23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Fraudulent Activity on my credit report I am writing to dispute the actions of EQUIFAX and laws they have broken against my rights as a consumer. 

These items are fraudulent and in violation of many laws for the following reasons : EQUIFAX is violating my privacy rights as a consumer according to 15 U.S Code 1681 ( a ) as far as accuracy and fairness of credit reporting and 15 U.S. Code 1681 ( b ) in not adopting reasonable procedures in accurately reporting my credit as a consumer.

Reporting transaction history is illegal and another violation of my rights by EQUIFAX according to 15 U.S Code 1681a ( d ) ( 2 ) ( A ) ( i ).

EQUIFAX has also violated my rights as a consumer according to 15 U.S Code 1681b ( a ) ( 2 ) as there has been given no written consent by me. This is also in violation of the Fair Credit Reporting Act.

My rights, stated in 15 U.S Code 1681c ( a ) ( 5 ), which says no consumer reporting agency may make any consumer report containing any adverse information besides the conviction of crimes, are being violated as well by EQUIFAX. 

According to 12 CFR 1022.3 ( h ) this is identity theft, because I did not give my consent to EQUIFAX, which is a crime and violation against another one of my rights.

EQUIFAX is being asked to block this information from my consumer report as per 15 U.S Code 1681c-2.

EQUIFAX has also violated the rights given to me as a consumer in 15 U.S Code 1681e ( a ) & 1681e ( b ) for allowing DEPT OF EDUXXXX XXXX XXXX  XXXX to furnish this information on my credit report in violation of FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ), and by not maintaining reasonable procedures to assure maximum possible accuracy of my information as a consumer.

5 U.S. Code 552a ( 4 ) states that it is illegal for EQUIFAX to have any item, collection or grouping of information about me as a consumer, including my education and financial transactions while at the same time containing my name or other identifying numbers. This is in violation of my rights.

5 U.S. Code 552b states that EQUIFAX violated my rights in disclosing this information without my written consent.

EQUIFAX has also violated my rights in regards to 5 U.S. Code 552b ( 12 ), as they have not obtained consent from me to disclose my information to any other consumer reporting agency in accordance with section 3711 ( f ) ( 1 ) ( E ) ( iii ) of title 31.

I am requesting that EQUIFAX have the item removed.

Enclosed is a copy of the fraud report I filed with the Federal Trade Commission. Please investigate this matter and contact the nationwide credit bureaus to have them delete or block the disputed item ( s ) as soon as possible. 

Warmly, XXXX XXXX Enclosures : A copy of my State ID & A copy of my filed identity theft report,
Product: Credit reporting or other personal consumer reports

These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by Affirm and were sent to XXXX XXXX for collection. 

XXXX XXXX never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to XXXX ( credit report agency ) but nothing has been done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked this account, I saw immediately that the payment history is inaccurate. XXXX  reports all OK payments yet XXXX  reports all CO. I want this account to be investigated and removed due to inaccuracies. Please help me get them out of my reports.
Product: Mortgage

On XX/XX/year>, I received notification from XXXX XXXX that my homeowner 's insurance policy had lapsed and that my home was uninsured. Upon calling them they informed me that my payment was due on XX/XX/XXXX and that they received payment from Mr. Cooper Escrow on XX/XX/XXXX. Their policy did not have a grace period and my coverage was terminated. Upon calling Mr. Cooper, whom this complaint is against, they stated that they sent the check out on XX/XX/XXXX. I called XXXX XXXX again with a Mr. Cooper representative on the line and again the insurance said my policy was cancelled and they would not reinstate it. The agent from Mr. Cooper said that it was my responsibility to find new coverage. This all happened while I was at work so I had to leave XXXX hours early to address this. Mr. Cooper 's response of " find new coverage '' is unacceptable. I pay them on time every month and it is their responsibility to pay my insurance on time as well. On a side note, it is nearly impossible to get a human at Mr. Cooper. I had to pretend I was defaulting on my mortgage to be transferred out of the never-ending phone tree and speak to a human.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a citi bank credit card, and filed a report with them, closed the account. From what citi bank tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00},
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against EverBank for their failure to properly address a XXXX transaction issue that has severely impacted my financial situation and well-being. 

On XX/XX/year>, my sister, who banks with EverBank, sent me money through XXXX. However, a week later, my banking institution, XXXX XXXX XXXX XXXX ( XXXX ), flagged the transaction as suspicious. XXXX initially claimed it was a general fraud concern, but later stated that my sister had placed a not authorized hold on the transaction. This claim is entirely false. 

My sister has repeatedly contacted EverBank, seeking clarification and proof that she did not initiate a reversal or fraud claim against the XXXX payment. Despite multiple attempts to resolve this issue, EverBank has failed to provide any written confirmation or manager intervention to correct the matter. 

As a direct result of EverBanks failure to provide this information, XXXX has restricted my account, leaving me unable to access my funds or conduct essential financial transactions. This has caused me extreme stress and physical hardship. 

XXXX has informed me that they require a formal correspondence from EverBank confirming whether the transaction was mistakenly flagged due to an internal error or if there was an actual dispute reported on my sisters behalf. Without this documentation, I am left in financial limbo, unable to regain control of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Chase Sapphire Reserve credit card. I have been a customer of Chase since XXXX. I was charged a late fee for missing payments for the month of XX/XX/XXXX and XX/XX/XXXX. I have always been enrolled in autopay since XXXX. I called up their customer service team and they found that autopay on my account got disabled due to technical issues on their system. The customer service agent re-enabled auto-pay and my payments went through. The customer service agent also reversed late fees and interest fees on my account. However, he failed to update the payment history. This has been getting reported as a missed payment to credit bureaus since XX/XX/XXXX. I recently got my credit report in XX/XX/XXXX for a rental application and found this reported missed payment. I called Chase credit services team on XX/XX/XXXX and they reviewed my account and the notes on my interaction with the customer service agent on XX/XX/XXXX and found that the agent failed to update my payment history. They agreed to fix this issue and send the updated status to credit bureaus. 

I pay {$450.00} as the annual fee for owning this credit card and availing Chase services. Their failure to report the correct payment history to the credit bureaus impacted my credit score significantly which led me to pay more on mortgage rates, insurance premiums and my rental fees for the past 3 years.
Product: Credit card

On XX/XX/XXXX I submitted a transaction dispute for {$260.00}. Provisional credit was applied and the dispute was eventually closed. Eventually, on XX/XX/XXXX I closed this account. Today, XX/XX/XXXX ( nearly 2 years later ), I received a statement requesting payment for {$9.00}. I contacted the company via live chat and was told this is in relation to the dispute for {$260.00} that the agent stated was not resolved in my favor. Per the Fair Credit Billing Act, the card issuer has only 90 days to research and resolve the dispute. This is far outside of this period and the amount does not even match what was originally disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I received a copy of my XXXX  credit report from my dispute. I am uploading the incorrect information. First off this account has monthly payments each month. It is showing an empty box of no payment last received. 2nd issue isnt the last payment was not on XX/XX/XXXX I make payments every month. Next my balance is not {$4700.00} it is less than that.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Unfortunately my dad took out credit cards in my name while I was at school. I still have another year of XXXX XXXX but there are XXXX accounts that are not mine and I have no way of paying these charges he racked up. I have contacted the XXXX major reporting agency as well as the credit card compainies and they are still reporting this to be my debt. Please help. The accounts are as XXXX XXXX XXXX XXXX XXXX XXXX Not one of those charges is mine nor did I sign up or agree to have those cards. Thank you
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX  and concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are direct violation of the Fair Credit Reporting ACT ( XXXX  Account number # XXXX ) has violated Several my right. 
15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : ; it also states that I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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 {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regrading this account CONN CREDIT CORP XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXL XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.
Product: Credit reporting or other personal consumer reports

This company pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

I disputed the account with XXXX on XXXX or XXXX occassions. The information came back verified but updated. The information on my credit report is still incorrect. The account is reading ccount charged off. {$14000.00} written off. {$4500.00} past due as of XX/XX/2024. I was never notified the account was ever in collections, or that they were charging it off. When I contacted XXXX I was told the past due was only XXXX and that I can make the payment in the month of XXXX. I disputed the information, but XXXX keeps reporting this incorrect past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DO NOT KNOW HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE BUT I AM CERTAIN THAT THEY DO NOT BELONG TO ME SO I AM ASKING THAT AN INVESTIGATION AND REMOVAL OF THE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.