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

I hope this letter finds you well. I am writing to express my deep concern and frustration with the persistent presence of fraudulent items on my credit report, despite numerous attempts on my part to rectify this situation. I have engaged in a series of disputes, provided extensive supporting documentation, and followed the established dispute resolution process, yet the fraudulent items continue to adversely impact my credit history. 

I initially reported the fraudulent activities and have since submitted multiple disputes, accompanied by comprehensive documentation and evidence substantiating my claims. Despite these efforts, the fraudulent items persist on my credit report, causing significant financial distress and impeding my ability to access credit on fair terms. 

Enclosed with this letter, you will find copies of all my previous dispute letters, supporting documentation, and relevant correspondence submitted during my repeated attempts to address this matter. The ongoing presence of these fraudulent items is not only detrimental to my financial well-being but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand the importance of a thorough investigation, but the prolonged resolution of this matter is causing undue hardship. I urge you to expedite the review process, conduct a comprehensive investigation, and take immediate action to remove the fraudulent items from my credit report. 

I kindly request that you provide regular updates on the progress of the investigation and a clear timeline for the resolution of this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  Balance : {$6400.00} - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX. XX/XX/XXXX.
Product: Student loan

Two private loans I have with them very discharged in my Chapter XXXX bankruptcy in 2015. Provided paperwork numerous times. My loan keeps getting rolled into forbearance then they show it over 120 days late on my credit reports. And getting daily calls for payment. Do n't know what else to do at this point. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I am notifying you that I sent a certified letter on XX/XX/year>, addressing inaccurate and unverifiable information on my credit report. Despite my request, you have failed to provide adequate verification or documentation for the following accounts : XXXX XXXX XXXX XXXX  ( Account Number : XXXX ), involving repossession without court approval in violation of 50 U.S. Code 3952 ; XXXX XXXX XXXX  ( Account Number : XXXX ), an unverified account with no obligation to this collection agency ; XXXX XXXX XXXX TX ( Account Number : XXXX ), an alleged debt with no supporting proof ; Purchasing Power ( Account Number : XXXX ), which contains unverified and inconsistent information such as the date last active ; and XXXX XXXX XXXX XXXX ( Account Number : XXXX ), an inaccurate account reported only by Experian. Your failure to comply with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( 5 ) and 1681i ( 7 ), violates your obligation to remove unverifiable information or provide a valid method of verification. Additionally, I am concerned by the recent CFPB lawsuit against Experian for sham investigations of credit report errors, which further questions the integrity of your reinvestigation procedures. I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.
Product: Vehicle loan or lease

When I first purchased my car back in XXXX of XXXX, the car a XXXX XXXX XXXX XXXX costed {$14000.00}. I put down {$4000.00} in a down payment on my car which would have brought the total cash payment down too {$10000.00} and my payments were discussed with me prior to signing off on any agreement. My notes were suppose to be {$290.00} every month on the XXXX of each month. In XXXX of XXXX I became current with my payments after I signed off on a agreement to extend my lease which never happened but the company has all of the information on their end to when I made an agreement about that. When I called them this past week on Tuesday XXXX XXXX, I was told my car was in the reposession status and that I owed a total of {$21000.00} on my car and that I signed off on a 21 % interest rate with the dealership WHICH IS COMPLETELY FALSE! I had no idea up until this week about the other receipt that the dealership kept that they did not give to me. I only have a copy of the one they have sent to me via email.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

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

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify information with the original creditor, they are required to delete that information from the consumer 's credit report ; this principle is generally understood as part of Section 604 ( a ) of the FCRA, which mandates that credit bureaus must remove inaccurate, incomplete, or unverifiable information upon dispute from a consumer. I have spoke with the bankruptcy courts and they confirmed that they have not or will never share information with credit bureaus or third parties. Equifax, XXXX and XXXX need to delete this information off my credit report. It has been more then 30 days since my last filed dispute.

By Law FCRA Bankruptcy 15 us code 1681A2b By law 15 us code 1681A2bXX/XX/XXXX loans. 
I have disputed this information with all 3 credit bureaus 3 times and they are refusing to follow the law of FCRA. I have no other choice but to file a civil lawsuit because of these bureaus violating my consumer rights. It has been more then 30 days for all companies to do whats right by consumers. They have failed to do this. I will be filing civil lawsuits against the companies.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these negative items from my credit report.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries, addresses, and names on my credit report from Experian I did not give any authorization to furnish on my credit report. Please block and delete the following inquiries, extra names, and addresses from my credit report : XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My real government name is XXXX XXXX XXXX 
My accurate address is XXXX XXXX XXXX. XXXX XXXX, AR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Debt collection

I received a bill from the medical revenue service, for a medical procedure I had on XX/XX/2021 at XXXX XXXX XXXX. 
They claim that they tried to contact me several times regarding the debt. I didn't receive any notice regarding this debt from XXXX XXXX XXXX. Not a bill in the mail, no email, and if they tried to call me they didn't leave a message. Instead it was sent to a debt collection agency which XXXX me off. Im gon na pay the bill because I received the service, but I dont like the way it was handled on their part.
Product: Money transfer, virtual currency, or money service

on XX/XX/18 a amount of {$450.00} was processed on XXXX and another one of {$100.00} on XX/XX/18. never received anything in return to the money. Bank said they couldnt do anything about it.
Product: Money transfer, virtual currency, or money service

I sold a book on XXXX to a XXXX XXXX XXXX on XXXX ; The transaction of {$240.00} went through Paypal and the after fees the amount of {$240.00} was deposited to my account. The transaction ID was XXXX. On. XX/XX/2020 While checking my account I noticed that this amount had been refunded to Mr. XXXX on this same date. I think that this transaction had just occurred or had occurred close to the time I found out about about it. I thought that this action was by some kind of hacker that had in some way gotten into my account. So I immediately changed my password and tried to inform Paypal of the unauthorized refund. I don, t know how successful I was about this because of the " virus '' I had to write up my complaint. During this last week Paypal has insisted.that I had made the refund and I insisted I didn't. I also pointed out I was out the book and the money. No one ever had asked for a refund or returned the book. Paypal couldn't really tell who had authorized the refund but said it was me..They never checked who they had sent the refund to. During this time they have stopped my complaint on their site. I found on XXXX the address, phone #, and Email of Mr. XXXX. I tried to call him but the phone had been disconnected and no answer to my E-Mail. ( .I also found an XXXX  in the past by XXXX for XXXX XXXX, not that this has any bearing on the present case. I did not authorize the refund of {$240.00}. I think Paypal did. I have not had my book returned. I want Paypal to refund my money-
Product: Credit reporting or other personal consumer reports

In accordance w/the Fair Credit Reporting Act. The list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX Account for XXXX XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number:XXXXAccount name XXXX XXXX Account Name : XXXX XXXX Account number XXXX XXXXAccount name XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX/Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXXAccount name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXXaccount holder social number Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 604 A. section 2. A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting negative information in reference to a student loan account. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal.
Product: Credit card or prepaid card

I sold items on XXXX platform and buyers has received the items and the normal procedure is to release funds once the carrier confirms receipt of the delivered item by a online tracking system which connects to XXXX, paypal, and the carrier site. Since my prior complaint against paypal my account funds are being held although it is not common practice to do so. I am unable to remedy a solution by contacting paypal or XXXX. The funds are being held and I am being told they are not being held although I have not received any funds and the funds appear in my account with a unnecessary hold placed on these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC.
I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, 2017 claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, 2017, with all three credit reporting agencies for them and those hard inquires have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I paid a vehicle off. XXXX XXXX dealers service told me that the account is paid off. I have put in numerous disputes with TransUnion explaining that the car was paid off but they still have the account open and says I owe XXXX on the loan. Always say the debt is mine and will not be removed from my credit report. My score has dropped tremendously due to the debt I owe. Please help I am raising my XXXX grandchildren and I have been working on my credit to possibly purchase a home near there school. Thank you for your time and assistance with this matter. I hope to hear from you soon. Have a great day. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancy Details : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect. According to my records and verified payment history, I made all payments on time during this period. These inaccuracies negatively impact my credit report and do not reflect my financial responsibility. 
Evidence Provided : To support this dispute, I have attached the following documentation : Screenshots of payment records from my online account showing that payments were made on time for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my previous dispute correspondence, demonstrating that this issue has been raised before but has yet to be resolved. 
Other relevant documents, such as account statements and communication with the creditor, confirming the accounts good standing during the disputed months. 
Legal Reference : As per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate information. Additionally, section 15 USC 1666 ( b ) outlines the requirement for accurate and timely reporting of payments.

Request for Investigation and Update : I kindly request that you : Investigate this account and update the payment history to reflect " Paid As Agreed Never Late '' for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Provide a detailed description of the investigation process, including procedures and evidence used to verify the accuracy of the reported late payments.

Timeline for Response : In accordance with the FCRA, I expect a written response to this dispute within 30 days. If verifiable proof of late payments can not be provided, I request that the inaccuracies be corrected immediately.

Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution. Please contact me directly if additional documentation is required. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Subject : Urgent Request to Review and XXXX XXXX under FCRA Section 623, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with Account Number XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( TILA ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction XXXX have further implications for both tax reporting and compliance. 

According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel XXXX debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This XXXX include a charge-off on their financial records If you have reported this account as a charge-off or have ceased collection efforts, you XXXX be required to issue a Form XXXX to both the IRS and myself, indicating that XXXX debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

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

Today XX/XX/year> I still have not gotten a fraud indicator removed from my credit profile. Equifax is refusing to remove it. Every time I call they say that there is no fraud on my credit but I have proof of my credit profile saying that there is a credit profile status of me being a fraud victim and also. My credit profile stating that information is blocked due to police or DMV report ID Theft victim. 

Equifax has lied to me several times and said it was removed but hasn't removed it at all. Even the credit lenders that pull my credit see it on my profile. I even mailed a letter to the credit bureaus with my information because at first they said it was a internal error and to send a letter and it would be removed. I have over 20 inquiries on my credit and none are approved cause its a fraud statement so equifax need to remove all of the inquiries and the fraud statements ....
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX in XXXX of 2022 I reached out to Experian to remove inaccurate information on my consumer report. Instead of my consumer report being processed in accordance with federal law Experian elected to follow whatever procedure they have come up within their own institution, which is the reason I have had my information compromised as a consumer in their data breaches willful negligence and disregard of the law.
Product: Student loan

I was attending XXXX college still in my first term before they decided to close their doors. They encouraged me to take out a loan from a company named asfg. The loan amounts to XXXX with 12 % intrest. I did not get to complete my first term nor did i receive any credits and they are still holding me liable for the loan. I do not believe i owe for the loan taken out for an education i did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy