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

I am writing to re-dispute several accounts on my credit report that were recently verified without providing proper verification documentation. These accounts appear on my credit report but lack the necessary substantiation to confirm their accuracy. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the validity of these accounts due to the lack of proper verification documentation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive this documentation to ensure the accuracy of my credit report. 

I kindly request that you provide the necessary verification documentation for these accounts, including details about the source of the information, the account history, and any supporting documentation that establishes their legitimacy.

I expect to receive this documentation within the legally mandated 30-day period, as outlined in FCRA Section 611 ( a ) ( 6 ) ( B ) ( ii ). Failure to provide this documentation will result in my continued dispute of the accuracy of these accounts, and I reserve the right to take further legal action to protect my rights under the FCRA. 

If you require any additional information or documentation from me to assist in this verification process, Thank you for your prompt attention to this matter. I trust that you will uphold the principles of accuracy, fairness, and consumer protection that underpin our credit reporting system.
Product: Consumer Loan

To whom this may concern, I applied for a credit card with Capital One XXXX XXXX XXXX and was turned down on XXXX/XXXX/2015 and a few months back. The attended asked me if I kept a balance on my credit cards and when I said No. She told me I was turned down although I have excellent credit. Further, I received a offer from the Capitol One XXXX Reservation : XXXX, Access Code XXXX. I called this XXXX to apply. Please help
Product: Debt collection

I recently reviewed my Credit Report and observed a collection account was documented on my credit report by Enhanced Recovery Company. I sent Enhanced Recovery Company ( ERC ) a letter requesting a Validation of Debt. They never responded. I called ERC on or about XXXX/XXXX/2016. I spoke to a female representative which was very rude and unprofessional. She did not want to help me and I told her I never want ERC to contact me via by phone or by any other means. Yesterday I received a call from a female Representative from ERC which was also rude and unprofessional. Like the previous Representative she did not want to help to resolve the matter. I have PREVIOUSLY Filed XXXX complaints with CFPB regarding XXXX other Debt Collection Agencies trying to collect the same alleged debt that is not mine ( XXXX ). Each collection Agency claimed that I had an outstanding balance to XXXX and each Agency had a different amount owed. I do n't have XXXX I have a different provider for my cell phone service. The Fair Credit Reporting Act requires ERC to notify me regarding this alleged Debt and they never did. Any claim by ERC that they did previously notify me is without merit. My previous 3 complaints with CFPB case # ( XXXX ) XXXX and # ( XXXX ) XXXX and # ( XXXX ) & XXXX confirmed that this debt is not mine in their response to CFPB. This arbitrary action by ERC is unlawful & unethical causing a defamation of my character and damaging my credit worthiness and credit score. It is obvious that these XXXX Debt Collection Agencies mentioned in this complaint play games and pass the alleged debts to one another in attempt to collect money that is not owed by using scare tactics.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states that " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and XXXX XXXX XXXX XXXX is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX  is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed immediately.
Product: Debt collection

I have tried to resolve the issue by contacting Synchrony Bank since XXXX. I have contacted them about this Lowes account on several occasions to inform them that it was identity theft. The last Statement I received was on XXXX for {$10000.00}. They always respond with they will do an investigation but always have come back with I am still responsible for the bill. I have also had the same problems with Synchrony Bank concerning TJX dating back to XXXX for a statement of me owing them over {$2100.00}. I have contacted business consumer alliance in regards to this matter however After two attempts they did not get a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$2500.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX  days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies have inaccurately attributed a bankruptcy listing to the US Bankruptcy Court as the source of this information. This data can not be substantiated or validated, as the courts do not engage in the verification of bankruptcy listings. Instead, this information was obtained from a third-party reporting agency and should therefore be removed.

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if the credit bureau is unable to validate information with the original creditor, they are obligated to remove it from the consumer 's credit file. The Bankruptcy Courts have also confirmed that they do not furnish informat
ion to credit reporting agencies and do not validate or confirm public records. These records are collected by credit reporting agencies and third-party providers, and they are not validated by the U.S. Court system due to privacy laws. 

Inquiries made to the U.S. Bankruptcy Courts have verified that Experian Credit Bureau has never validated or verified these public record entries on my credit report, nor will they do so in the future. It has been emphasized that the U.S. Bankruptcy Courts are not liable for the misuse or dissemination of incorrect public records, often reported by third parties without the consumer 's knowledge.

Given the potential violation of the Fair Credit Reporting Act, I am requesting the immediate permanent deletion of the bankruptcy information associated with my social security number from my credit report. Experian Credit Bureau is also required to provide me with copies of all documentation related to these Public Record Accounts, including any court orders or authorizations bearing my signature, which would authorize the inclusion of this information in my credit report. 

To comply with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are obligated by federal law to physically verify the original signed consumer contract and/or judgments for all accounts and public information reported on credit reports. Failure to do so could lead to the inclusion of fraudulent or erroneous account information.

If this unauthorized public record information is not removed from my credit report within the next 30 days, I reserve the right to pursue legal action against the EXPERIAN Credit Reporting Bureau. I will seek damages of no less than {$5000.00} for various reasons, including but not limited to defamation, negligent enhancement of identity fraud, violation of the Fair Credit Reporting Act, and Consumer Financial Protection Bureau regulations. 
Please make these credit reporting agencies comply, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was allowed a forbearance and was told the months would be added to the end of the loan. When this timeframe expired, JP Morgan Chase demanded the total amount due in forbearance instead of adding the amount due to the end of the loan. I do not have {$5000.00} almost to pay the arrears and foreclosure is pending. I applied for mortgage assistance and was denied stating my situation was not temporary. I am so frustrated. I have applied to XXXX agencies for pandemic assistance but am awaiting a decision which can take XXXX weeks longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

This afternoon I had noticed one of my XXXX XXXXXXXX accounts specifically my ( XXXX XXXXXXXX XXXX XXXX Credit Card ending in XXXX ) had disappeared from the online app I called into XXXX XXXXXXXX. I spoke with a representative & the fraud department whom informed me that Equifax reported a fraud/security alert on this account which triggered it to be shut down. 

I did not authorize this and explained to XXXX XXXXXXXX I did dispute some items with Equifax although not one of my open accounts with XXXX XXXXXXXX were included in those disputes!!! 

They asked me to reach out to equifax which I did and the representative denied reporting negatively on this account & went as far to say that this account is not even being reported on my equifax report. 

I am currently on Vacation. I do not travel with debit cards. I travel with my XXXX XXXX XXXX. I specifically brought this card to use on vacation as it had a XXXX balance. 

So you can now imagine the Chaos this has caused. SHAME ON YOU EQUIFAX! 

Also after opening the disputes on closed accounts & some credit inquiries none related to this account I received repeated letters a total of five asking me to send in proof of address & identity as Equifax claims the first copies of these I sent in was iledgible. 
I did accommodate & send in the information they requested a second time making sure it was ledgible. 

At this point I feel as if I am being harrassed for disputing inaccuracies. 

Equifax does not have my permission to send security/fraud alerts to any of my accounts that are not in dispute! 
I also have 2 recorded phone sessions one with a XXXX XXXXXXXX representative, & one with XXXX XXXX Fraud department regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account MEDICAL XXXX - collection account XXXX XXXXXXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX  XXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

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

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

In XX/XX/XXXX, I received mail from XXXX XXXX XXXX regarding a debt of {$780000.00}. There were purchases made at XXXX that were not made by me. I had cleared myself of this debt with XXXX XXXX XXXX  as it was a case of identity theft and I thought everything was resolved. But in XXXX XXXX, I received yet another mail from a different debt collection company, Portfolio Recovery Associates LLC, stating that I have a debt of {$7700.00}. Apparently purchases were made at XXXX XXXX during XX/XX/XXXX. I have never made such purchases with XXXX XXXX or anywhere for that specific amount of money. After receiving this letter I have called Portfolio Recovery Associates and XXXX regarding this issue. Both companies are now aware of this situation. Details regarding my personal information such as my social security number were incorrect. I do not know how my personal information was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint regards : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX I have several old/closed accounts with " XXXX XXXX XXXX  '' on my XXXX credit report. One of the accounts was shown as derogatory since XX/XX/XXXX ; but the remaining three accounts had always been showing in good standing, but now those remaining accounts are showing " derogatory '' as well. These accounts are now being reported as being included in a " Chapter XXXX wage earner plan ''. This is false/incorrect reporting.These accounts have NEVER been derogatory and I need XXXX XXXX XXXX  to correct this issue immediately. 
I spoke with a XXXX  representative and I was told that they report whatever a creditor reports to them. I called XXXX XXXX and my call was forwarded to a customer care representative who looked at the accounts in question, but was not able to do anything, as the credit reporting department was not available. A copy of my XXXX  report showing the accounts is attached. One copy ( XX/XX/XXXX ) shows the accounts paid in good standing, and one copy ( XX/XX/XXXX ) shows the accounts in a derogatory status. I did not dispute these accounts, so no change should have occurred on my XXXX  credit report ; XXXX XXXX should not have reported this information to XXXX.