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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXXXXXX XXXX Account # : XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6900.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. 
Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. 
There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. 
One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. 
Thank you for understanding. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit and fined Equifax. Alleging systemic issues such as failing to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Equifax has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

This bank has shut down my account and my childrens accounts beginning the evening of XX/XX/2020 for what they felt was fraudulent activity. I immediately called and informed them that the activity was my own and nothing fraudulent. They claim there was nothing they could do. It is now XX/XX/XXXX and my account is still locked out. I do not have access to any money whatsoever, creating a financial hardship for me. Their advocacy advisor XXXX XXXX does not return my calls. Their XXXX  team does not respond. The bank claims there is no way to reach their own fraud department to immediately turn my account back on. This is uncalled for and punitive to treat a customer this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : However, there are some confusion in Equifax which currently affecting my credit report. Please make any necessary modification on my record as soon as possible.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address the presence of fraudulent items on my credit report. Upon reviewing my updated report, I noticed that some of these items have been removed, for which I thank you. However, some fraudulent items still remain. I kindly request that the three credit bureaus remove the following fraudulent items from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Checking or savings account

To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Case # : XXXX XXXX. Account # : XXXX XXXX. Name : XXXX XXXX XXXX. Tel # : XXXX ( Cell ) / Email : XXXX XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX KS, XXXX My name is XXXX XXXX. Id like to dispute unauthorized transactions from my checking account on the XXXX, and XXXX of XXXX, XXXX. And I also request to update my current address given above. 
I had moved to XXXX  from XXXX  in XXXX, XXXX and XXXX havent checked my checking account balance for a while because there wasnt any branch of Citibank here in Nebraska. Meanwhile, identity theft made several deposits to my account and withdrew my money from my account on the XXXX, and XXXX of XXXX, XXXX. 
I came to realize that my account was bounced by overdraft and Citibank automatically closed my account. So, I couldnt access internet banking to get bank statements in order to report this issue to the police. I tried to contact Citibank representatives to report this issue several times but they told me that the investigation was processing now and I need to wait until Citibank will contact me. So I visited branches of Citibank in California and reported the unauthorized transactions. They told me the same thing. 
I have been waiting for the reply for XXXX  months but I havent received any response from Citibank. This morning, I called Citibank customer service one more time and got the information on how to appeal this issue to XXXX XXXX XXXX XXXX XXXX directly. And I requested to update my current address and contact number but the representative wasnt able to do that. So, I would like to request to change my current address and phone number as well. I look forward to hearing your answer about the unauthorized transactions from my checking account and starting out the investigation about my request immediately. 
If you have any questions regarding my request, please contact me at any time. I appreciate your help. 

XXXX XXXX
Product: Debt collection

Resurgent Capital Services continues to harass me with letters & uses deceptive collection practices after they have been notified to STOP all communications. CEASE & DESIST. Ref ID XXXX I never had an a/c with Resurgent Capital Services/LVNV Funding or XXXX XXXX XXXX  XXXX. 

Have requested numerous times for proof Resurgent Capital Services/LVNV Funding even owns this alleged a/c by XXXX XXXX   XXXX  XXXX. ( original creditor ) & are authorized to collect alleged debt in the amount of {$2500.00}. Resurgent/LVNV ignores request.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with transunion. looking at all the data on my file this has caused alot of denials. this issue needs to be resolved asap. this has been my 2nd attempt to notify the credit bureaus to review my file an update the list items needed to delete an XXXX my credit report. please remove all requested items in the files asap.
Product: Debt collection

I have been receiving at least 10 phone calls a day from XXXX XXXX at XXXX for the past month and a half. I have had to block them and they still keep attempting to get through. I also have written to HSBC numerous times to advise that they contact me via correspondence. They keep telling me that I have to call XXXX. I keep telling them to address me via email or written correspondence and that I do not answer telephone calls, please stop. We are going in circles and the telephone keeps ringing and has become intolerable
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that the accounts and inquiries listed below be blocked and deleted from my credit report in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to Be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date : XX/XX/XXXX Subject : Address Update and Removal of Outdated Addresses Dear Sir/Madam, I hope this letter finds you well. I am writing to request an update to my address information in your records and to have certain outdated addresses removed from my credit report. Please find below my updated address details : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX Transition Address ( if applicable ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I kindly request that you update my information accordingly. Additionally, I would like to request the removal of the following outdated addresses from my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( Date : XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 5. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Date : XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( Date : XX/XX/XXXX ) 7. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I appreciate your prompt attention to this matter and request that you make these updates to my credit report as soon as possible. If you require any further information or documentation from me to process this request, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your assistance in keeping my credit report accurate and up-to-date. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I have never agreed to do business with these creditors. These accounts are fraudulent. 

They are listing these accounts under different names and on each bureau.
Product: Student loan

I received a notice from FedLoan Servicing dated XX/XX/2022 informing me that a PSLF certification form did not include the end date of employment. The notice did not identify the employer in question and did not provide any information that would enable me to identify the certification form allegedly missing this information. Due to that lack of information, I was required to call PHEAA and have now been sitting on hold for more than hour to speak with a " specialist '' for the sole purpose of obtaining a single piece of information that could easily have been provided in the written notice and which is absolutely necessary in order for me to respond to the notice. I tried the option of requesting a call back but that did not work and I was left with no choice but to wait on hold. PHEAA, which has profited enormously through its incompetence in student loan servicing, should be required to compensate me for the time irretrievably lost to said incompetence.
Product: Credit reporting

There was a previous reporting on my credit report from tropical financial credit union which was resolved and should have been deleted. When I disputed the item it was then placed back on my credit and I lost almost XXXX points on my credit. Please get this item removed from my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. I HAD TO REFILE MY COMPLAINT DUE TO THE COMPANY 'S RESPONSE. I REMOVED MY POWER OF ATTORNEY SO THEY CAN PROPERLY INVESTIGATE MY ISSUE. HERE IS MY COMPLAINT : We received your complaint. Thank you. 


I have reached out to Experian several times over the past two years about inaccurate information being reported on my credit report. All they have returned is correspondence reporting that the information is accurate. Due to this I became increasingly frustrated and decided to study the Consumer laws specifically XXXX XXXX XXXX XXXX. I was amazed to learn how unfair consumers are being treated in their daily activity. I learned in my sitution that Experian was violating XXXX XXXX XXXX XXXX ( a ) which says : ( a ) Communication with the consumer generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They are communicating information given to them that I never consented to them housing or recording. My Private information that never had my consent to be shared. I also realized that I never consented to Experian reporting information based off of my tax Id which is my social security number. I called the IRS and asked them do they have any interactions with Credit agencies to report credit information and the agent sternly noted that their is no such agreement. So I wondered how do these agencies even get my SSN number since I never expressed consent to do so as this IS MY PRIVATE INFORMATION. I also understood that according to XXXX XXXX XXXX XXXX that Experian was in violation of this law by communicating with third parties without my express consent. I have three businesses that I was trying to get started and I applied for XXXX loans for each of them and was denied due to Experian reporting information that I never consented to them reporting. Based on how I have been damaged, and based on these Consumer laws, I sent Experian an invoice for the damages that I have received based on their unlawful reporting. I provided them with an Exhibit for each violation. I also provided them with a copy of an XXXX search showing that none of the creditors that they are reporting who are claiming that I owed them a debt has a lien on such claimed debt which proves that they are Inaccurately reporting to Experian.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account Number : XXXX has violated my rights. Or 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a notice to Experian to investigate accounts on my consumer report that are inaccurate. I have not heard anything from them. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 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. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

It has been almost 40 days and I have not heard anything back. 

They are inviolation and the accounts need to be deleted from my consumer report.
Product: Checking or savings account

Hello, I closed my savings account with fifth third on XX/XX/2021 but they kept the account open and have now charged me a {$5.00} service fee on XX/XX/XXXX. Attached is a screenshot on a service representative closing my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I am having problem getting my refund with the American Express. They have given all types of excuses but no refund has been issued. It is going on for 3 weeks!
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo suddenly closed my account for " inactivity '' on XX/XX/XXXX, despite being active with the last transaction taking place on XX/XX/XXXX, only a month before. constantly checked my email to confirm I was being paid via Venmo as well. 

I constantly checked my email to confirm I was being paid via Venmo as well. Was told " After a period of inactivity, Paypal/Venmo will send the User an email ( sent from XXXX ) explaining that the account has been inactive for too long, and give a timeframe for transferring the funds out of the account. '' They claimed they send notifications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

NONE of this is true. I tirelessly searched through my inbox and archives, there was not a single notification and " XXXX '' does not exist otherwise it would have shown up. The closing of my account in XXXX was sudden and Venmo dismissed it completely. Escheatment laws define dormancy as inactivity of three of five years, not one month. I even send a screen shot of my inbox searching from XX/XX/XXXX to XX/XX/XXXX and there was not a single notification other than who I paid or who paid me. 

Also was informed there are no unclaimed funds as of now and they are asking for a Proof of Delivery letter ( XXXX ), which I forwarded to Venmo. Still no response. 

Venmo pretty much pocketed my money and ignored me possibly in an attempt to avoid any liability for their scam. I am not convinced otherwise. 

They just took {$160.00} from me and now there is currently {$140.00}, so I am down {$300.00} total for no reason. They will will not let me add a card or bank account to claim any funds, nor will they let me refund it back to people who tried to pay me. I am pretty sure XXXX is illegal.
Product: Credit reporting or other personal consumer reports

I recently removed my credit report and noticed an account that was reporting inaccurately. On my XXXX XXXX XXXX account XXXX, I have XXXX, 30 day late payment on this account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. The date in question is XX/XX/year> I am now requesting you investigate this account and update the payment to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

On XX/XX/2018 I requested validation for this debt! They sent me a contract with my DADs Signature! The apartment was never in my name just my DADs! I lived there for a week while waiting on school to start! I NEVER signed a lease with them or the original creditor!