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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy
which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ar y consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX ( Original Creditor : 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

The account with XXXX XXXX is what Transunion keeps allowing to report on my credit file with them and through them while XXXX and XXXX has suspended reporting this creditor who purchases bad/old debt and harasses me for money. I've never done business with XXXXXXXX XXXX nor do they have my permission to report on my credit files. I have been flagged for my XXXX XXXX  Federal XXXX due to this illegal act and breach of the Fair Debt Collections Practices Acts.
Product: Money transfer, virtual currency, or money service

Multiple fraudulent transactions, months of unauthorized access to my account and information. Refusal to reimburse fraudulent charges, refusal to submit investigation information, refusal to follow cfpb ftc and fdic laws, Lies submitted to cfpb regarding resolution that was never upheld. Failure of the cfpb to take corrective action.
Product: Debt collection

I have disputed National Credit Systems and sent them a copy of police report and National Credit Systems continue to harassing me by reporting a fraudulent item to XXXX credit report. I have sent National Credit Systems and XXXX copy of the report.
Product: Credit card

On XX/XX/2024, I received a credit card from Capital One that I never applied for. I immediately call the number on the credit card. Inform Capital One of this issue, and they mentioned they would investigate on their end on XX/XX/2024 I received another mail from Capital One that the investigation was closed. The mail informed me that the information is updated to the credit reporting agencies to remove the Capital One account. I made an account on XXXX, XXXX, and XXXX. I freeze and add a 1-year fraud alert.
Product: Credit card

So my account was closed because my bank declined payments.. ok fine. Later on then my online banking stops working so now im unable to sign in and see my account and pay my bill. I don't know when my bill is due. Im not getting any mails or phone call. Yesterday I called XX/XX/XXXX and I tried to just pay both account off I was able to pay XXXX off for over {$600.00} the other one with a {$300.00} they won't allow me to pay they keep transferring me to multiple departments and telling me I can't pay. Then they said there's an account from XXXX that was a fraud application but won't provide information to me. 

Anyway im writing because I will like to pay the accounts off. Also the account that had a balance of $ XXXX they said the last payment was in XXXX and if this is true then they will report my credit late this makes no sense as I have no access to account to check and pay!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Transunion credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Transunion. 

In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent accounts be deleted from my credit report immediately. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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

When shopping for a car you have XXXX and only get hit with XXXX hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just XXXX hard inquiry. i got hit twice in XXXX month XX/XX/XXXX and XXXX XXXX thats XXXX  days apart that should not have hit me with hard inquiries multiple times. the companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX, GA XXXX RE : Demand for Removal of Late Payments on Credit Report SS # : XXXX Re : Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my records.

I demand this item to be DELETED from my credit report ASAP. 
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The late payments never happen. Delete account under FCRA 168 Under Section 168 FCRA this Late Payments Dated XX/XX/XXXX and XX/XX/XXXX does not match my records nor the original creditors records to what reflects on my credit report there-fore this item MUST be deleted under this law. If not, Attorney Costs & Court Action will follow. 

My consumer report is extremely valuable to me and I wish to advise you that willful non- compliance is a violation of Section 1681n of the Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation. After your investigation please provide me with an updated credit report as well as the names addresses and telephone numbers of the individuals that have been contacted. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.

These failures align with my experiences. On numerous dates, I submitted disputes to [ XXXX, Equifax, XXXX ] regarding inaccuracies on my credit report, The credit bureaus returned their findings stating that the information was " verified as correct. '' However, no evidence or explanation of the investigation process was provided, and the errors remain on my credit report.

Under the FCRA, credit bureaus are required to : Conduct thorough and timely investigations of disputed information.

Remove or correct inaccurate, incomplete, or unverifiable information from a consumer 's credit file.

By failing to investigate properly and continuing to report incorrect information, the credit bureaus are in violation of the FCRA.

These errors have negatively impacted my credit score, leading to financial harm, including : Higher interest rates on loans.

Denial of credit or other financial opportunities.

Emotional distress from repeated failed attempts to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of the fcra these are unauthorized and should be removed immediately
Product: Debt collection

Company ( XXXX XXXX ) is reporting owed amounts of {$30000.00} on my XXXX and my XXXX  reports. This is debt from an S-corp " XXXX XXXX XXXX XXXX XXXX '' from over 2 years ago. This is what I was told by the original creditor, XXXX XXXX XXXX. I have sent many documents to the credit reporting companies for dispute. They have recognized that this isn't a valid " personal '' debt. Because I was a signer for the Company XXXX XXXX XXXX XXXX  XXXX, they have been harassing me for the past 2 years. And just recently decided to attach this debt on my personal report, which I am still trying to figure out how they were able to do this without my SS #. After this debt is removed by the reporting agencies, they intend to keep reporting it over and over again. This is a violation of Federal law to falsely report on one 's personal credit when the original purchase was through a XXXX XXXX XXXX # for an incorporated business.
Product: Mortgage

My name was fraudulently forged on a quit claim deed dated XX/XX/XXXX at XXXX. My ex-husband wife XXXX XXXX forged my name giving up my interest in the property. I did not sign the document at all. I had the property in bankruptcy that was filed in XXXX to save the property. I have texts showing that I was negotiating with my ex-husband in XX/XX/XXXX trying to come up with an agreement to sell property. The mortgage company excepted the payoff without verifying all the information making sure it was not forged. I have filed a police report. Even on the document that was forged an address that was used for me I never resided at the address. The address used was an old former address of XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A creditor is reporting an account negatively on my report, but has not established ownership of the account nor investigated the account for accuracy.
Product: Money transfer, virtual currency, or money service

Over the years I have not kept dates and times of transactions! I notify them each and everytime and everytime I get no help or no refund!
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX XXXXXXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report 6.The inquiry was not authorized XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 FIRST  CHOICE/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on FIRST CHOICE/ XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit card or prepaid card

I have had a Citi AAdvantage Platinum Select credit card since XX/XX/XXXX, if I remember correctly. One of the benefits promised by this card is a {$100.00} voucher for XXXX XXXX, awarded annually as long as you met a {$30000.00} spending threshold within the account year and renew the card for another year. It has recently occurred to me that I have not received this benefit since XX/XX/XXXX. I have spoken to a friend who has the same card and he too has not received this benefit in recent years. I have contacted the credit card company via their online chat, their corporate XXXX account, and their call center on XX/XX/XXXX to seek a resolution : they have been unable to determine when my last voucher was issued and have been told to initiate a dispute with the airline and transferred me to the airline. Since my credit card is a deal between me and Citi, I believe it is their responsibility to resolve this situation.
Product: Consumer Loan

I have been trying since XXXX to get Wells Fargo Bank to resolve an issue regarding a payment on my personal loan. The payment was made in a branch and was applied to my home equity loan account in error. 

I did not realize the error until I was contacted by the personal loan department to let me know that my payment was past due. 
When speaking with them, I looked at the receipt and realized the payment was applied to my home equity loan. 
The representative with Wells Fargo indicated that he would get with the home equity department and have the payment reversed and applied to the personal loan account. 


After this conversation, I monitored both accounts to see if the issue had been resolved, still no resolution. 
At this point, I contacted both the personal loan and home equity departments who promised the issue would be resolved. 
I even received a letter from a senior representative to let me know, the bank had resolved the issue an the bank was waiving the late charge that occurred on the loan. 


After the personal account was not updated and my account was 25 days past due, I made another payment to keep it from going over 30 days and being reported to the credit bureau. 
During this process, I have spoken to a representative from Wells Fargo 's home equity and personal loan departments at least once a week. 

After being so angry about this whole process and with no resolution in site, I decided to pay the loan off. I applied a payoff to the personal loan only to be contacted by Wells Fargo to let me know the payoff was short. 

I told them when they could get the payment that should have been posted to the loan applied, they could deduct the difference and send me a check for the balance. This was two weeks ago and the issue has still not been resolved.
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 advocacy group assisting me due to XXXX XXXX debt 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  of Debt XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX BALANCED {$0.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan with the company called Upgrade. Initially they requested my XXXX which I was told that was all they required, I sent in. Then they requested my banking information along with my identification ( driver license ), I forwarded. Then over a week later I was asked for a picture id along with me holding the id and to take a picture with it next to my face. Before I can sent it, I had a call and message on my phone number that I had listed on my credit reports due to fraud. I did not have the same number on my application solely because I wanted to reassure that whatever organization in which I apply for credit would go according to protocol and contact me at the number listed on my credit file to verify my identity. Well, the gentleman XXXX called and left me a message to call back on my number XXXX and I did and again, I called him from the phone number listed on my credit report. Well, a few hours later, I received the letter via email saying I was denied as a result they could not prove my idenity, Well, I do not know what they based that off of. I sent all the documents they requested immediately, they contacted me on the number on my credit file and they just requested id with me holding the id next to my face and to take a pic and send it to them, which I did not have that opportunity which would have easily substantiated who I am and they still should accept that as proof. I did not submit as I just received the request but after receiving that request, they contacted me by phone, again, Upgrade contacted me on the number listed on my credit file for fraud, I requested to speak to someone other than the agent XXXX and spoke to someone by the name of XXXX who I thought would comprehend what I was saying but she did not. You have all my personal information which supports who I am and you did not give me the opportunity to submit a picture of me holding my id next to my face which was also proof of who I am. If you were not going to use my face pic holding my id, why would you even send that as an option. You just called me today ; however, I submitted my application about two weeks ago, so you could have did a phone verification initially credit pull and if you were not satisfied that it was me, it was no need to request all of my personal information you have and also request another picture id with me holding the picture next to my face. I can not believe a company would be so unfair. I went through all of this over two weeks, which the company indicates fast funding which is false, for this company to do this, this is extremely upsetting.
Product: Credit card or prepaid card

I bought a charge card some months ago, after about a week or so ago. I tried putting money on the card and now I can not load money into the card and NetSpend is hanging up on me everytime I call. I can not receive the money I got from XXXX  XXXX because NetSpend refuses to answer my calls or return my money from XXXX XXXX? Is there anything I can do or just take them to Court?