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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute FCRA Violation and Identity Theft-Related Data Reporting I am writing to formally dispute inaccurate and fraudulent information on my credit report, which is directly related to identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and protection from the fraudulent use of my identity. Despite providing an official FTC Identity Theft Report, TransUnion has failed to take appropriate action, violating multiple provisions of the FCRA. 

Violations Committed by TransUnion, Experian and Equifax.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) TransUnion, Experian and Equifax did not conduct a thorough and reasonable reinvestigation of my dispute, despite clear evidence of identity theft.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion continues to report fraudulent and inaccurate information, negatively impacting my creditworthiness.

Failure to Block Identity Theft-Related Data ( 15 U.S.C. 1681c-2 ) TransUnion is legally required to block fraudulent accounts upon receipt of my FTC Identity Theft Report but has failed to do so.

Fraudulent Accounts & Unauthorized Inquiries That Must Be Deleted Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Establishes that credit reporting agencies must conduct proper investigations. 
XXXXXXXX XXXX XXXX XXXX XXXX Reinforces that agencies must ensure accuracy in credit reporting. 
CFPB XXXX XXXX. XXXX Demonstrates regulatory action against failures to comply with FCRA obligations. 
My Formal Demand I demand immediate deletion of all unauthorized accounts and inquiries related to my identity theft. Under the FCRA, you are required to : Permanently remove the fraudulent accounts and inquiries from my credit file. 
Provide a written confirmation of deletion. 
Cease all reporting of these items to third parties. 
If these fraudulent items are not removed within the required timeframe of XXXX ( XXXX ) business days under 15 U.S.C. 1681c-2, I will escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ) and pursue legal action. 

Please send all written correspondence to the address listed above. 

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

XXXX XXXX XXXX has been reporting on my credit report since XX/XX/2018. 
I have NEVER done any business with this company and I dont know who they are. 
I need for this inquiry to be completely deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past XXXX years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Credit card or prepaid card

Over the past year I have been trying to get First Progress to resolve the fraudulent charges on my credit card. Anytime I have called I can't reach the fraud department. I reach the first representative that can't help me and that's as far as it goes. I filed a police report last year in regards to other fraudulent items. That's when I found out about these charges to my first progress card. I have filed a complaint with the XXXX XXXX XXXX and XXXX in regards to this.
Product: Debt collection

On XX/XX/2021 I submitted a complaint to the cfpb XXXX concerning American Express. 
I would like to understand why on XX/XX/2021 American Express contacted me by email stating heres confirmation of your recent address update. Were confirming your request to update your address for your card ending XXXX. We have also changed your address for any other accounts you specified at the time of request. 
I never sent Amex any request other than through you the CFPB which it is odd that they are communicating to me by email and not responding to you ( CFPB ). I suggest Amex is forging statements and documents which also is validating my claims that they are not following the proper Rules under the 15 USC 1692. I suggest Amex cease any fraudulent tactics and communicate directly by response to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called back in XXXX XXXX and found out that I had a credit alert on my account that I never placed on there. I provided all this information and found out that it was never removed. I tried to apply for a XXXX Credit Card months later and it was still on there. I have updated my cell phone and everything with Experian. Now I have to get another hard pull on my credit report because they did not do their job and to be honest not sure why they did not do their job or if they did it now. I think XXXX of those hard inquiries need to be removed. Because now XXXX has to re run my credit to see if the alert has been removed
Product: Credit reporting

THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFUL TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, Equifax and XXXX. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive discovered that my credit report has inaccurate personal information, which is causing multiple unknown and incorrect accounts to show up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  in  XXXX  Va  XXXX  (  XXXX  )  XXXX  pulled and sent my credit information to multiple banks not only without my consent but after I plainly told them I was working with them and another dealer and I wasnt letting either pull my credit until I saw who gave me the best offer. Well I had bought a car from  XXXX  a few months back and they evidently pulled my old application and used my information to do a credit pull anyway probably thinking theyd force a sale on me. I called them and asked them to remove these illegeal inquiries and they refuse. I have the text messages from them where I plainly stated they in no way had my permission to pull my credit and that they better not pull my credit. The next day my credit monitoring showed they still did it. I called and they told me I have to call the bank directly I did and this bank made it clear they work with dealers not consumers I want this company held accountable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company XXXX said I owe them {$450.00} for a debt that isn't mine from a medical facility I never heard from or ever been too. I currently have been a victim of identity theft and this is clearly a result from that. This company is rude and is fraudulent and have many complaints on them. The facility that the agency claimed contact them don't have no recognition of me in they system because again, I never been there and thy don't even use that company for collection. I have disputed this with all three credit places to remove this because its not me. It literally popped up on my credit report as new information. They put me in collection for info that is not mine. Be aware of this company they are trying to debate that this is me and clearly its not.
Product: Debt collection

The company said they would remove my the account off my credit report and they have not even tho I paid the settlement for a delete
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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.

Account Name XXXX XXXX Account Number : XXXX
Product: Student loan

I am a cosigner of XXXX student loans for my son who just graduated from XXXX University. I have been attempting to refinance the XXXX student loans with MEFA to obtain a lower interest rate. It has come apparent that there are errors in the allocation by MEFA, or its service contractors, in the allocation of principal and interest from my loan payments.
Product: Mortgage

We applied for a mortgage loan to buy a house through Citizens Bank in New York. My partner and I were given approval and all the terms were met and all the requirements submitted. We are about to close for the house and all of a sudden there's no movement on the application and there are no information from Citizens bank whats going on with the loan. We were given and approved for a rate and they just went radio silent. And the loan officer helping us can not give us answer. We feel like we being discriminated against. How can we get help for this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from  XXXX . I informed  XXXX  that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  XXXX . I contacted  XXXX  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited  XXXX  multiple times, it was to open accounts for my  XXXX  children or to address  XXXX  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during  XXXX  Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to  XXXX  that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this resolved with Navient and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to Navient who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call Navient. When reaching out to Navient they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX Southwest credit syte XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the account that is reported incorrectly. The XXXX account is reporting late 30 days on XX/XX/XXXX then 90 days late XX/XX/XXXX. This can not be possible! I know my rights as a consumer! I also have disputed this numerous times, but to no avail it has not been changed.
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. 
XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have 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 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

See attached. I am confused about the reporting of this closed account? Says its open and delinquent 60 days??? How is that possible, when XXXX is reporting as closed and no late payments?? You are INACCURATELY REPORTING and it is hurting me right now. It is preventing me from purchasing a home. 

Correct this or remove this account off of my report completely, immediately. 

If you can not accurately report then I do not give permission for this account to be on my credit profile. 15 usc 1681 ( b ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX has refused to remove a Fraulent account XXXX XXXX XXXX. I have previously submitted fraud reports ... im asking this account. r removed immediately under The Fair Crwdit Reporting act
Product: Credit reporting or other personal consumer reports

XXXX  I have multiple late payments on this account. That shouldnt marked as late according to section 1637 ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to 15 U.S. Code 1666b - Timing of payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date https : 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, credit repair services, or other personal consumer reports

I got injured and had XXXX XXXX and lost job, I was not able to pay bills, keep getting calls, so I changed phone number. come to find out XXXX XXXX reported to all 3 credit bureaus I was deceased. equifax didn't try to contact me to see if this was accurate instead just put it on my credit as dead