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

I am writing once again to dispute the inaccurate and incomplete information currently listed on my credit report. Despite having sent multiple letters over the past several months, the following account remains unresolved, and I demand immediate removal : 1. XXXX XXXX Account Number : XXXX **Repossession Status** This account contains erroneous and incomplete data, which violates my rights under the **Fair Credit Reporting Act ( FCRA ) **. I am requesting that the account be removed from my credit report immediately.

# # # Reasons for Dispute Under **15 U.S.C. 1681e ( b ) **, Experian is required to maintain accurate reporting of credit information. The discrepancies and incomplete data on this account are in direct violation of this requirement. Additionally, **15 U.S.C. 1681i ( a ) ** mandates that, upon receiving a dispute, Experian must conduct a reasonable reinvestigation and correct or remove any unverifiable or inaccurate information.

# # # Legal Grounds for Removal 1. **Accuracy of Reporting** : Under **15 U.S.C. 1681c ( a ) **, inaccurate, incomplete, or unverifiable information must be promptly corrected or removed. As this account is not properly reported, it must be deleted immediately.

2. **Fraudulent Information** : **15 U.S.C. 1681s-2 ( a ) ** mandates that furnishers of information to credit bureaus report only accurate data. If there is fraud or an error found in the information, it must be deleted from the consumers credit report.

3. **Protection from Harmful Reporting** : **15 U.S.C. 1681h ( e ) ** protects consumers from harm caused by inaccurate information. If negligence or willful misconduct in reporting is found, the information must be deleted. This account clearly falls under this provision.

4. **Identity Theft Protections** : According to **15 U.S.C. 1681c-2**, fraudulent information must be blocked or removed upon proper notification. The account in question should be removed as it is unverifiable.

5. **Precedent Case Law** : In **Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) **, the Supreme Court confirmed that credit reporting agencies are liable for reporting inaccurate information. Furthermore, in **Richardson v. Experian Information Solutions , Inc.** , Experian was held accountable for failing to correct inaccuracies after being notified.

# # # Supporting Documentation Enclosed, you will find copies of : - My identification and proof of address.

# # # Request for Immediate Action Given the ongoing nature of this issue and the violations of my rights, I demand that this account be **removed immediately** from my credit report. If I do not receive a resolution within the required timeframe, I will be forced to escalate the matter by filing formal complaints with both the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Office of the Attorney General**.

Please confirm in writing that the investigation is complete and provide me with an updated credit report reflecting the deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand under the Fair Credit Reporting Act all information should be correct and accurate.
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account 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 has hurt my ability to obtain credit. This company is reporting inaccurate Account number, inaccurate opening dates, inaccurate reporting dates, and Last reporting dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint which is requesting validation on an account in my file. The account is mistakenly reported and I believe that the account 's records are false. Please fix the negative status of the listed account : XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

From my pay check I directly deposit {$500.00} and the rest goes in my other back account from a different banking institution. Navy federal took payment from my checking account to make a credit card payment that was due. Taking that payment cause my account to overdraft. Then I was charge a fee for the overdraft. If the bank didnt take the money out of my account the funds would have been there to cover a charge. I was going to make the payment from my other checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Charge amount XXXX, XXXX XXXXXXXX XXXX charge amount XXXX, XXXX XXXX XXXX charge amount XXXXXXXX XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX charge amount XXXXXXXX XXXX XXXX XXXX charge XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right 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 reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

please delete all following accounts. 
XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 or other personal consumer reports

I attempted to dispute this account but Experian disabled my access to do so. 
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

1.Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

2.Account name XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

3.Account name XXXX XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

4.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
For this account I have been contacted by a collections agency I believe that my personal information has been compromised or sold. I did not authorize this company to access my personal information or credit file. 

5.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
Product: Debt collection

Calling countless times a day from different numbers. Called 6 times on a Saturday between XXXX and XXXX. Now its Sunday morning ( currently XXXX ) and theyve already called twice since XXXX. They also call all through the week, but these weekend calls are ridiculous. This is harassment and needs to cease immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

My car that was financed through Ally Financial was totaled in XXXX, 2021. My insurance company XXXX XXXX XXXX paid off the balance on XXXX/XXXX/2021 ( XXXX ) After Ally was paid, as noted on the XXXX XXXX report, they reported to the credit reporting agencies that they had repossessed the car. My credit score dropped severly and I have been denied credit several times.
Product: Checking or savings account

I went thru a traumatic divorce, so my ex-wife did fraudulent checks on my account and the bank put a freeze on my accounts. My accounts were in Colorado. I was out of state on business and the bank called, so they froze my account, fast forward I moved to XXXX XXXX to start a new life but I end of losing my house and became homeless because I did not have access to any of my accounts. Eight years later I lost my trailer home due to Hurricane Ida, and now the fees are very high and some of my banks are overcharging ridiculous fees so I can not pay due to them charging daily rates and I have been in financial ruined by the banks not helping me to release the monies but also I have enough monies in each accounts at the banks that it would cover what my ex wife stole from me. I have been treated unfairly by several of my banks. It has caused mental and financial stress on me, to live the life I previously had. I cant get any help from the banks Ive talked to the banks in fact 4 of the banks and they all put daily fees so high that I have no money to pay but there is more than enough to cover the fees in all my accounts. I am a consumer and I have rights and have been treated unfair.
Product: Credit reporting or other personal consumer reports

XXXX  gas failed to fulfill its legal obligation under the FCRA to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The CFPB has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence, I provided causing harm to my credit standing. I am requesting IMMEDIATE corrective action to remove and amend the disputed accounts as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed a fraudulent account was added to my credit report. I created an identity theft complaint with the FTC to have the account removed from my credit file. Upon a more through review Ive also noticed several inquiries on my credit report that I do not recognize or give permission to view my credit. Please delete these inquires from my credit file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Failure to do so will force me to report your company to the Attorney General and seek civil penalties for not complying with the law. Also delete all addresses with the exception of XXXX XXXX XXXX XXXX XXXX , GA XXXX and all variations of my name with the exception of XXXX XXXX XXXX . Any incorrect addresses or names could have been used to establish fraudulent credit or used in an unauthorized attempt to steal my identity and establish creditXXXX 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
Product: Checking or savings account

Early XX/XX/2021 I was informed that my checking accounts was restricted and closed and I would no longer be able to access the accounts. Due to a scam for a job that gave me a fake bonus check that was a scam. After much devastating news and all my money being gone. there were still XXXX transactions being drafted from the account and XXXX overdraft protection being used. I received a letter in XX/XX/2021 confirming the closure of the accounts due to the overdrafts that caused charge off. Navy federal restricted my access and this also caused me not to be able to pay my credit cards either.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX is reporting information on my credit report that is not accurate in regards to what they are reporting for XXXX XXXX XXXX XXXX XXXX XXXX. I have tried via certified mail as well as on the phone to get them to delete the incorrect information yet they choose to willfully neglect this situation. 

I used the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  which was on XXXX XXXX, XXXX. They told us we needed to pay {$1500.00} prior to the XXXX and they would take whatever the insurance paid towards the procedure. We paid the {$1500.00} PRIOR to XXXX XXXX, XXXX yet they are INNACURATELY reporting that the payment was made on XXXX XXXX, XXXX and a {$25.00} payment made on XXXX XXXX, XXXX. NO PAYMENT WAS EVER MADE AFTER HIS BIRTH BECAUSE EVERYTHING WAS PAID IN FULL! 

I contacted the billing department on numerous occasions and spoke with XXXX and XXXX, the office manager. I told them they were reporting inaccurate information and they said they ca n't change a statement that was already printed and continue to report this innacurate information to the credit bureaus. They have violated the Fair Credit Reporting Act and The Fair Debt Collection Practices Act numerous times despite trying to resolve this and get them to report the correct information. 

I would prefer to solve this amicably and have them remove this from my credit report as it is inaccurate, a violation of The Fair Credit Reporting Act, The FDCPA and also over 7 years old as allowed by the credit bureaus. If they refuse to remove this I will be forced to take legal action in the XXXX Judicial Court In and For XXXX XXXX XXXX. 

I thank you in advance for your help and cooperation and look forward to an amicable resolution. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

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 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 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
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX  Account Number : XXXX {$890.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$490.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$890.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$490.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX XXXX  and the credit bureaus XXXX, Equifax and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.