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

Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries.

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the follow
ing inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting or other personal consumer reports

Equifax has had a settlement fund that they've been paying out to people, so I'm reaching out because i absolutely deserve reimbursement. To make a long story short, my bank ( XXXX XXXX ) said i had an account that i didn't actually have a few years back, so i pulled my credit reports which caused you to make like a dozen mistakes, the most recent being the face you just cost me {$300.00} and i want that money because you are literally the only reason why i didn't get it ( proof shown below ). Here are the complaint id numbers for the previous cfpb complaints in order # XXXX # XXXX # XXXX # XXXX The original complaint i sent in mainly focuses on the issues that are relevant now. You outright refused to help, so much so that i had to send in an additional XXXX  complaints afterwards and still never received an official answer. You did every but what you were supposed to, that being " helping me ''. I wasted at least a dozen hours sending in complaints on here, on the phone with you, pulling credit reports at XXXX and XXXX to keep an eye on my identity since you refused to help, etc. The actual time you caused me to waste is likely much higher though. For crying out loud, i was still pulling my credit reports a year after the first complaint because you literally refused to help me. About the only thing you actually did for me was place a freeze on XXXX credit bureaus, which leads to me loosing the {$300.00}. I recently tried signing up for a XXXX  checking account because they were offering a {$300.00} bonus if someone direct deposited {$500.00}, but i received a message after trying to make an account that i wasn't allowed due to a credit freeze ( XXXX  pulled a soft inquiry ), the credit freeze that you placed on my account more than 4 years ago and you never even gave me a way to unfreeze the credit either, but i managed to find a way. I then reapplied to XXXX  but i was denied again. They sent me a letter in the mail a few days later saying they couldn't verify me, which only happened because of the credit freeze you put in place because you refused to let me do anything else, even going as far as to refuse to let me have an actual credit report with you in the first place.
Product: Credit card

Closed a chase business preferred ink credit card in XXXX of 2023 due to terrible customer service and back talk from XXXX of the csrs who denied my legitimate insurance claim for an item that was stolen after purchase. Purchase protection was supposed to be XXXX of the perks of this XXXX XXXX card. 

I have several other chase accounts and was able to still see the account in my Chase portal up until last month.

Today, I needed a statement from the closed account and logged in and the account was not there. 

Called XXXX number for Chase, talked with XXXX different people, XXXX of whom swore the account never existed. Had to give my social security number to people in XXXX and the XXXX ( and now I have to put a flag on my credit report because of this ) who still couldn't find it. 

All of this took more than an XXXX. 

I'd like Chase to be fined for removing an account from my portal and then pretending the account never existed. I'd also like to be compensated for the XXXX I lost. My hourly billed rate is at {$150.00} ( can provide invoices as proof ). 

I still have the actual ( though canceled ) credit card in my possession to 'prove ' the account 's existence.

This situation is unacceptable.
Product: Debt collection

Weekly I receive mail from this company Jefferson Capital Systems LLC, Pursuant to 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is in fact a violation. This company has reported a collection account on my consumer credit report as well which has affected my reputation as a consumer, and has not allowed me to use my credit resulting in severe stress. I will file for litigation due to the stress this company has caused me, I will give this company the chance to cease all communication with me through all mediums. In fact I have sent a cease and desist as well as a debt verification which will be attached below, I will also give this company the chance to delete any reporting what so be on any credit reporting bureau involving this account as soon as possible. Jefferson Capital Systems LLC has 30 days from the receipt of my cease and desist and also my debt verification to respond, if no result or response resulting in deletion, so be it litigation is shall be.
Product: Checking or savings account

I have an account that is charged off which I am 100 % positive that it is fraud. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

accordance with the fair credit reporting act account XXXX XXXX XXXX  has violate my rights 15 u.s 1681 secction 602 a.states i hace the rights to privacy 15 u.s.c 1681 section 2 : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.
Product: Debt collection

Filed with XXXX XXXX for inaccuraties on XX/XX/XXXX, XXXX Filed for debt validation on XX/XX/XXXX, XX/XX/XXXX with COMMERCIAL ACCEPTANCE COMPANY for the amount of XXXX which is incorrect. COMMERCIAL ACCEPTANCE COMPANY failed to show me proof of validity of orignal contract with a wet signature. Also COMMERCIAL ACCEPTANCE COMPANY failed to show me the contract with them specificaly they have violated my rights under 15 USC 1692g and reported to XXXX AND XXXX who reported it on my credit file violating my rights under 15 USC 1681.
Product: Debt collection

I have a medical bill that's reporting on my credit report that XXXX hasn't removed. It was upward of {$700.00} but I believe it's reporting less than {$500.00} now. I've constantly been receiving phone calls every week to pay off the remaining debt. The medical bill is from XXXX  not exactly sure about the month, but I want to say XXXX or XXXX. I'm in the process of trying to get funded for my new business and due to the medical bill showing collection on my credit report, business nor personal funding is do-able. Could you please help me in order to get this medical collection removed off my credit report? Thanks in advance and hope to hear from you soon. Take care!.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. XXXX XXXX updated the loan status to the three credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my Equifax report & showing closed delinquent with a 0 balance on myXXXX report. As a result the errors have dramatically affected my overall credit scores as well as Fico scores related to auto financing. I have disputed the errors & requested updates from both XXXX & Equifax but nothing has changed or been removed. The errors on the Equifax report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. Equifax blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX correctly updated the information & XXXX updated most of the information correctly ( with the exception of status being delinquent instead of current ).
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Report Information Dear Experian I am writing to formally dispute the following information on my credit report. The details of the disputed item are as follows : Account Name : XXXXXXXX XXXX Date of Dispute : XX/XX/2024 I previously submitted a dispute regarding the accuracy of the information listed above. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive all documents that were used in the investigation to verify the disputed information. 
I hereby request that you provide me with the following mandatory documents as required by the FCRA : XXXX. A copy of the original signed contract or agreement for the account in question. 
XXXX. Detailed records of all communications between the creditor and the XXXX XXXX XXXX regarding this account. 
XXXX. Any and all evidence used to verify the accuracy of the disputed information. 
Please ensure that the provided documents clearly verify that the information reported is 100 % accurate and true. If you are unable to provide these mandatory documents, I request that the disputed account be deleted from my credit report immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a 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 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. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of XXXX5 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A fraudulent account on my credit report I have not opened is still on my report
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX -- - XXXX # XXXXDate opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Checking or savings account

I was getting my unemployment and my stimulus checks I was putting them in my chime account I thought everything was fine nothing changes every week I was filing exact same thing and then one week they just decided to close it and ever since then I didnt know there was anything I could do about it I just read an article that told me to write you guys and Id like to get my money back I dont know how much is in there probably about {$5000.00} Ive been complaining to everybody That will listen but nothing so far hopefully you guys can help
Product: Credit card

App statement balance for the bill was not actually the full amount. When paid it left a small balance two months in a row. Both months I was charge for the full bills interest plus fees even though I was choosing pay the full statement balance. Chase refused to do anything about it and said that i should be the one doing the math to verify their information is correct.
Product: Student loan

I have student loans from Navient. I called and had my student loans put into deferment while I was in school. Well I found out that since I was only taking one class they had to be put in forbearance. I called them to have it done. Well it turned out it was not done, I had emails and letters saying that I was past due on a payment and it was reported on my credit report as late. I am still in school and after calling they were finally put in forbearance. However they said they would not take it off my credit report as late because they do not do that, it will stay on there as late.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting or other personal consumer reports

I made a payment to settle my account on XX/XX/XXXX! I was told after 10 business days my credit will be updated. I was also generated a letter stating my account has been settled but yet Westlake still reporting on my credit report!! PLEASE FIX THIS. Its causing so many problems. Really a defamation of my character! Fix it! And compensate for the rejection of my home for me and my kids due to this nonsense!
Product: Credit reporting or other personal consumer reports

I am listed as a authorized user on a XXXX credit card account number XXXX, I would like to get this removed from my credit because I did not ask to be a authorized user on this card
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive try several times to fix this issue and to no avail nothing happens. I will disclose the last letter that was sent to the agency. also please be aware that I am the one writing this letter. there is no 3rd party involved. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXX # XXXX was a charge off on XX/XX/2023. Since then the account has been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You didnt investigate this account properly after I asked you to do it TWICE and has violated my consumer rights. You neglect to show an 100 % accurate reporting is also violating those rights. In demanding a deletion of the following account : XXXX XXXX XXXX account # : XXXX
Product: Credit card

My TD credit card had 3 unauthorized transactions from XXXX ( Total amount around {$130.00} ). Those transactions were posted to my account on XXXX I reported to the card company but the company declined my claim. The company said it could not determine those transactions were fraudulent. 

My card number is XXXX. Please see attachment for the detail of those 3 unauthorized transactions with XXXX
Product: Credit reporting or other personal consumer reports

Hi so Ive recently checked my credit report and saw accounts reporting that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and noticed I had fraudulent accounts on my report these accounts on my report and they are hurting my ability to obtain credit.