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

I am submitting a formal complaint against XXXX, Equifax, and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. I disputed an alleged charged-off account ( Account XXXX : XXXX ), and despite multiple attempts, I have not received proper verification or resolution within the legally required timeframe of 30 days. By law, this account must now be permanently removed from my credit reports. 

The timeline is as follows : XXXX. XX/XX/year> : I submitted my initial dispute to XXXX XXXX XXXX XXXX, requesting : A full account history, including payments, charges, and delinquencies. 
Documentation substantiating the charge-off date and the 48 months of negative reporting. 
Proof that the reported information complies with FCRA standards for fairness and accuracy. 
Their response failed to provide any supporting documentation, citing an issue with my address, despite it being correct and matching the one on my original letter. 
XXXX. XX/XX/year> : I resubmitted my dispute and requested a reinvestigation, which was received on XX/XX/year>. Over 30 days have now passed with no response from the furnishers or the credit bureaus, which is a clear violation of FCRA 611 ( a ).

Under the FCRA, if disputed information can not be verified within 30 days, it must be permanently removed from my credit reports. Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), credit bureaus are prohibited from reinserting disputed information unless full verification has been provided. XXXX has already reinserted this account once without proper verification, compounding this violation. 

Resolution Requested : I am requesting the immediate and permanent removal of this charged-off account ( Account XXXX : XXXX ) from both my XXXX and Equifax credit reports. Additionally, I demand : XXXX. A thorough investigation into the non-compliance of XXXX XXXX XXXX XXXX, XXXX, and Equifax. 
XXXX. Confirmation that this account has been deleted permanently and will not be reinserted on my credit reports. 

The continued reporting of this unverifiable and disputed account is a violation of my rights under the FCRA and is causing significant harm to my financial stability. By failing to meet their legal obligations, these parties have demonstrated a disregard for federal consumer protection laws. 

I have included a copy of my initial dispute letter sent on XX/XX/XXXX, XXXX well as proper identification.
Product: Debt collection

On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bought my medical debt. At first they continually called and harassed to make payment for something I knew nothing about. After I checked my credit a few weeks later I could see my score dropped due to the XXXX XXXX. Next time they called we agreed to set up a payment plan if they would delete this account off of my credit once paid. I have fully paid earlier this year and the collection was not deleted. When I called and asked them to Delete, they claimed it was nothing they could do. 
After researching I could n't find any information about this company doing business in the XXXX XXXX XXXX. I would like this account to be DELETED if possible as promised by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know XXXXXXXX XXXX  - XXXX - company nor ever did business with this company. The Credit bureaus HAVE FAILED TO PROVIDE VALID PROOF of ACCURACY!! Upon challenging this, I noticed as A result of challenging this account with the Credit bureaus they stated this account as verified and accurate. They are reporting inaccurate and unverified information on my report. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are they not practicing XXXX XXXX Compliance? It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. They have failed to provide me with a copies of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX XXXX- to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized document does not constitute verification. 

In the absence of any such documentation bearing my signature, I request that this account be immediately deleted from the credit file. 

Also In accordance with the Fair Credit Reporting act 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 an account without my written instructions. And continued violations under 15 U.S.C 1681 and 15 U.S.C 1692 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance.

Please DELETE this account while this account is being investigated. Please send an updated copy of dispute results and Full copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no cunsumer 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: Mortgage

I was approved for a repayment plan in XX/XX/XXXX. I became unemployed after the repayment plan was approved and was instructed by a supervisor to write a letter stating that I would like to be considered for the unemployment plan instead of the repayment plan. The supervisor never told me that if I wrote that letter for unemployment that the repayment plan would no longer exist for me. I was denied for the unemployment plan due to me not living in my home which the supervisor did not explain to me either. You have to live in the home to qualify for certain programs with this mortgage company. I spoke with a supervisor on XX/XX/XXXX and her name is XXXX - ID # XXXX. She told me that she was going to send a note to the underwriters to add the repayment plan back to my account. I called the mortgage company on XX/XX/XXXX to follow up and make sure that the repayment plan was back on my account. The repayment plan was added back on that afternoon and I spoke to a SPOC representative by the name of XXXX ID # XXXX and she put in a request for that information to be emailed to me. I received a call on XX/XX/XXXX from a representative of Freedom Mortgage and he said the call was to follow up with me to let me know that the email was being sent to me regarding the repayment plan being back on my account. This morning, XX/XX/XXXX, I received a call again from Freedom Mortgage instructing me that there was not a repayment plan in my account and I would need to submit a new packet for modification. I asked to speak to a supervisor which ended up being the same supervisor XXXX that I spoke with last week. She also stated that the payment plan was not active on my account and again, she would send a note to underwriting for verification. This process has been very confusing to me and I need help on how to resolve this issue before my home is placed in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian through the US mail to dispute XXXX XXXX XXXX XXXX account that is reporting on my credit report several times. After each investigation, I received a correspondences letter that read they verified the information as correct. I then proceeded to request copies of the documentation they have used to verify the information, specifically the contract, note or other instrument bearing my signature that was used to verify that I had a contract with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian did not provide any of this documentation that the law states they have to provide but only sent a letter that I received XXXX/XXXX/XXXX. This letter stated they would not reinvestigate this account. Again, per my last letter that was sent certified US mail on XXXX/XXXX/XXXX with tracking XXXX I specifically asked to provide proof of this alleged item with the instrument bearing my signature and nothing was ever provided.
Product: Credit card or prepaid card

I purchased Vitamin C serum from Neiman Marcus. When I opened the box at the store, the serum was missing so I asked for a manager and she stated she refunded my purchase. Well, it showed for 4 months and the customer service team at Capital One would not believe me and credit my account. 
I ended up writing the XXXX and then Neiman Marcus cleared my account ( please see the letter ) BUT, they closed my account in XX/XX/2020 and they never sent me a closure letter. 
I called the other day and when I spoke to customer service they stated they closed account due to non-payment of a charge.
Product: Credit reporting

A significant discrepancy in remaining tax liability, state accounting incorrect and was disputed over a lengthy time period. Once an agreement was achieved we could move forward. Lein has been released and is required by law to be updated to reflect accurate status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Trans Union Is governed by 15 USC 1681 and they violated my rights numerous times.

According to 15 USC 1681 : I have the right to privacy and I did not give Trans Union written permission to furnish these accounts. 

I demand the accounts listed below be deleted from my record XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Jefferson Capitol calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Debt collection

In accordance with the Fair Credit Reporting Act United Collection Bure Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I submitted a request to American Education Services to apply a natural disaster forbearance in order to prevent my loan from defaulting. I gave all the information requested and every time, I received a letter stating they needed the same information they requested. Every time I called in and gave them the information and every time they restarted the request, stating that it was a computer issue. When they finally did put the forbearance through, they completely ignored the loan that I had been requesting the forbearance for and then they defaulted that loan. I had requested it specifically to avoid that happening. When I emailed them to address the issue, they completely ignored my email. It 's been a week and a half and I have received no response and the issue has not been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I'm trying to get a home loan processed. There is a freeze on my Experian credit report ( done by me previously as a response to an online data breach ). This freeze is preventing me from getting a mortgage. Experian is un-responsive both online and by phone to help me remove the freeze. On the phone I get hung-up on before being able to talk to a human being, and online I am unable to login to my account do to a website error. 

I'm looking for a lawyer which can help me remove the freeze, but thought it prudent to also file a consumer complaint. Unfortunately Experian doesn't let you talk to a human being as an individual, this is my last resort.
Product: Debt collection

After I found this collection agency, Mountain Run Solutions, on my 3 Consumer Reports I sent them a Notice of Dispute and Demand for Proof of Claim. I requested full verification of the alleged debt owed within 10 days or I would " construe their failure to comply as their absolute waiver of any and all claims against me. '' ( certified letter delivered XX/XX/21. ) I told them that since I hadn't established a financial obligation with Mountain Run Solutions, they have issued a False Bill by trying to collect by mail.

I outlined the US Codes that defined Mail Fraud, Creditor, Debt, Debt Collector. 

XXXX XXXX of Mountain Run Solutions responded to my Notice with another attempt to collect a debt, dated XX/XX/21, offering to delete the account from all credit bureaus in exchange of me paying a lower amount ( {$1500.00} ) than originally alleged to be owed ( {$2100.00} ). He also sent minimal verification documentation.
Product: Credit card

XXXX XXXX XXXX  Event was oversold, a safety hazard, delayed start and the tickets were not as described. Citi never sides with me and I had to reach out multiple times to the CFPB for them to give me a proper response. This time when they responded I was in XXXX XXXX  and was unable to provide the evidence they required. I would like to be able to provide the evidence required so I can get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

Account name. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C A. states I have the right to privacy.

15 U.S.C 1681 section 604 2 ; it also states a consumer reporting agency can not Burnish account without my written instructions USC 1681 see the section states no consumer reporting agency may make any consumer reports containing any of the following items of information and any other advise items of information other than records of convictions of crimes which antedates to report by more than seven years a person showing up furnish any information relating to a consumer to any consumer reporting agency if the person knows her as reasonable cost believe that the information is an inaccurate
Product: Debt collection

I have no knowledge of this Company and who they are but they have reported to the credit agencies. I have never signed a Contract with them. Please provide my signature and the proof of legal contract. Please also provide how you have verified this debt.15 U.S.C 1681e ( b ) ,15U.S.C 1681s ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is  complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from anxiety  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal installment loan account opened at XXXX On XX/XX/XXXX under the account number ( XXXX ), an loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX  a installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX and a collections account opened at XXXX collections on XX/XX/XXXX with a balance of $ ( {$130.00} ) that appears related to the aforementioned installment loan account opened at ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX inquiry from XXXX  mortgage that wasnt me so it was a fraudulent inquiry
Product: Credit reporting

Equifax has not responded according to the Federal Law. They say they are only a repository and do not have to have to investigate information that is being reported by a creditor. They refuse to delete outdated information and i want them fined. They are not above the law. They disputed my information with CFPB on XX/XX/2017 and they think that is enough. I again submitted a complaint that CFPB says they are working on this but there has been no response by Equifax. They continue to report outdated and non-verified information on my credit file. They are LEGALLY responsible to delete outdated and non-verified information. I AM DISGUSTED WITH ALL OF THE GOVERNMENT AGENCIES AND THE CREDIT BUREAUS WHO BY THE WAY ARE A " FOR PROFIT ORGANIZATION. '' IT IS UP TO THE CREDIT BUREAU TO REPORT ACCURATE AND VERIFIABLE INFORMATION. WHY AS CONSUMERS DO WE HAVE TO FIGHT FOR OUR LEGAL RIGHTS!!!!!!!!! THEY CONTINUE TO NOT SEND ME A FULL CREDIT REPORT. I WANT A FULL CREDIT REPORT AND NOT SOME STUPID PAPER ASKING ME TO REQUEST MY CREDIT REPORT VIA THEIR FORM. SEND ME A FULL CREDIT REPORT AND I MEAN IT!!!!!!!!!