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

I am writing to formally request the blocking and deletion of the following account and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are fraudulent. 
The following account must be blocked and deleted immediately : XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good Morning I recently reviewed my credit report and noticed an account that was not reporting accurately.I had a charge off status for over 5 years of something that I paid off in 2019 a charge of {$180.00} dollars the report number is XXXX with Florida XXXX XXXX XXXX XXXX 
The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> to XXXX XXXXIm now requesting respectfully to investigate this account and update these payments to paid on time immediately. 

Thanks for the help and prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




TransUnion NAME : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER XXXX XXXX XXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and upon review I found multiple inaccurate or fradulant inquries listed to my credit report. I have written letter after letter and still have not be able to have unverifiable inquries removed from my credit report. This voiltation under 15 U.S. Code 1681b - Permissible purposes of consumer reports is continuing to damage my creditably and I have not given any such wirtten consent to have my credit report ran for credit. Please review inquries that are inaccurate and unverifiable. I am requesting that they be delated. 

XXXXL XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Assignment clause Notarized letter of debt purchase Signed contract from original creditor I am disputing this account. I ask for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company still needs to update the credit report as reflected on the statement provided in the last complaint open. The original account was signed with XXXX, and XXXX is taking the payment automatically from the XXXX account shown in the attached statement. Also, I have noticed that the credit report reflected an " ND '' for one month, along with the other incorrect late payments. The carelessness of this company is harming the score and report while the payments are made on time consistently.
Product: Debt collection

The creditor XXXX has been reporting false and inaccurate information regarding old student loan debt to all three major credit bureaus. After filing initial claims against their reporting in XXXX, the creditor sent threatening letters stating that payment was due immediately or that I would be sued in court for the debt. When I disputed their claims again they sent a threatening letter demanding that I file a police report regarding my claims or to risk legal repercussions regarding the debt. More recently on XX/XX/XXXX after speaking to the creditors Loan Representatives to dispute their claims and requesting payment and billing information which was refused to me, the creditor is now furnishing even more false and inaccurate information with the three major credit bureaus intentionally to damage my credit standing. One agency as dropped my credit score XXXX points do to the negative/false inaccurate information. The accounts managed by this creditor is closed, but they have recently begun reporting the debts as open and with current missing payments. This reporting status means that the creditor is attempting to collect a debt in direct violation with the Department of Educations Pause on Student Loan collection, which covers defaulted student loans. This is also a violation of the stop collections protections given under the borrowers defense to repayment claim which was filed on this loans by XXXX. The accounts are also listed as charged off but theyre still carrying a balance. This creditor has also violated FCRA and FDCPA consumer protections in their reporting and attempts to collect on the alleged debts. I ask that XXXX be reprimanded for these actions and practices under applicable laws. I also request that this creditor remove all accounts/information regarding this inaccurate debt with all credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. Code 1681 a ( 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. 15 U.S. Code 1681 b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Which has no been done correctly. 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Which was not done and was not informed of the investigation when it was done. They did not email me or send reinvestigation letter at all. The information was not verified at all. I eve tried to get online and was unavailable to access. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. They never really did and investigation at all. They continue violet my rights and all these accounts should be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, Consumer Adjustment Co add a derogatory marks on my credit reports perXX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Consumer Adjustment Co has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FACTUAL DATA made an inquiry on my XXXX and XXXX credit report without my consent. I have no clue who FACTUAL DATA is, what they do, why they would want my credit report. XXXX and XXXX didnt care they just gave the information and dropped my score XXXX points with XXXX XXXX Im attempting to refinance my house and if this bogus inquiry into my credit report causes the loan to fall through or the interest rate to increase Ill hold FACTUAL DATA, XXXX AND XXXX RESPONSIBLE. I will even ask my attorney of my options in dealing with this situation.
Product: Credit reporting or other personal consumer reports

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. 

Account in question : XXXX account number XXXX
Product: Credit card

We attempted to use our credit card at a hotel. The card was denied and we left the hotel without checking in. The charge was later applied to our account. We asked the hotel to reverse the charge ; they refused to talk to us. We asked USAA to reverse the charge ; they have now denied it twice after we followed all of their procedures. USAA provided an invoice from the hotel with no signature or card holder address ( because we did not check in to the hotel ). USAA cited that we did not reply to a request to offer a rebuttal to the hotel manager 's false statement about our stay at the hotel and applied the fraudulent charge to our account. However, we did provide a written electronic explanation ( two times ) as well as a signed statement mail to them in a business reply envelope they provided. Neither USAA or the vendor provided a signed invoice or receipt for this charge and despite the many written and signed statements we provided saying that we did not authorize a charge from the hotel ( because we did not stay there ) USAA charged us for this fraudulent transaction.
Product: Debt collection

Requested copy of purchase agreement, original contract with signature, proof of collection authorization. This debt is not valid if can not provide these things within 30 days. This is the last time XXXX attempting validation before I bring this into court.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I notified my financial Institution, U.S. Bank, that i had lost a debit card back in XXXX XXXX XXXX. U.S. Bank cancelled the card and issued a new card. I alerted merchants of my new card that I had set up recurring payments with except I forgot one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In XXXX, on or about the XXXX of the month, while reconciling my checking account, I noticed a {$230.00} charge from XXXX XXXX XXXX. I called them and asked what the charge was for. They stated, my card they had on file was declined and in XXXX, they stated that U.S. Bank notified them of my new card so, the merchant charged me for four months of membership fees. I asked for a reversal, they agreed and, i asked to close my account, they agreed, fortunately. 

I then contact U.S. Bank to ask them how and why they gave my new card information when i did not authorize them to do so. I asked them if they were using a product/service called, " XXXX Account Updater Service ''. They said ( and I quote ), " We can neither confirm nor deny that we use that service ''. I replied that I was concerned about identity theft because a financial institution is supposed to only update merchants of new card information where the card has expired, not where the card has been reported lost or stollen. They would not tell me if they gave the merchant my information. I mentioned that I use the service in the course of my business at my employer and that I was knowledgeable of the rules surrounding updating merchants and that they were violating the rules. I asked to speak to a supervisor. They instead took my number and have never called me back. I also complained to US Bank 's customer service portal on their website and have received no response. 

U.S. Bank is releasing XXXX data, debit card information, to merchants without the knowledge or consent of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. XXXX date of last active is XX/XX/XXXX, Experian date of last activity is reporting XX/XX/XXXX and XXXX date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with Experian every month as a charge off and is reporting with XXXX as being paid on time. Date of last payment with XXXX and Experian are reporting date of last payment XX/XX/XXXX but with XXXX date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.
Product: Mortgage

My loan was modified and I made three payments as requested but then the loan was transferred and foreclosure action started. i applied two more times, they denied it without any reason why denied. they sent me no documents indicating the reasons. I engaged a lawyer to protect our interest. My lawyer got an extension and NationStar Mortgage promised that they will send documents for modification. They never did even though my repeated calling. Their answer was that they do n't have enough time for modification.
Product: Debt collection

GRB Law and the city of XXXX, PA I pay the city of XXXX all back taxes but the city sold my account to GRB LAW and they want me to pay them. 
This will be twice i pay the city know the collection agency GRB want me to pay them. I never had a contract with them and how did they get my data. On XX/XX/XXXX the XXXX XXXX refuse to hear me and gave me a order to pay the collection agency {$3000.00} this bill is pay in full and the collection agency are threatening me to put my house up for sale.
Product: Debt collection

I disputed multiple times this incomplete inaccurate false collection with Experian and requested investigation proof of wet ink signature no lawful results provided.
When requested verification validation letter via   USPS    certified mail the address provided per Experian to my surprise the letter came back undeliverable address, not a valid address, providing reports of false, inaccurate and incomplete info which is a violation of the fcra, not doing due diligence and not protecting consumers.
Product: Credit reporting or other personal consumer reports

Never had an account with XXXX XXXX or XXXX and I did not apply for any of these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX for the account opened XX/XX/2020 with account number XXXX and XXXX XXXX XXXX XXXX for account opened XXXX XXXX with account XXXX. Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX XXXX XXXX XXXX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.