23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX 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 XXXXXXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XXXX XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my debt dispute journey by sending a certified letter to all three agencies, XXXX, XXXX and Equifax on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, XXXX XXXX XXXX. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota XXXX ID, XXXX XXXX, XXXX XXXX XXXX ID card, social security card and Court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't sent 10 or more letters certified to all 3 bureaus about inaccurate information on my report that is severely impacting me with getting a home. I have requested validation and nobody has responded this is a FCRA VIOLATION and I want these inaccurate items of my report. 

XXXX Acct # XXXX - I have spoke to XXXX and removed my late payments I should have XXXX late payments on my credit report. It is still showing late payments for XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX  Acct # XXXX - I DO NOT HAVE ANY AGREEMENT WITH THIS COMPANY AND ARE REPORTING INACCURATE INFO ON MY REPORT. THEY WILL NOT RESOND TO ME - FCRA VIOLATION. 

I would like these items to be deleted asap off my report. I've attached screenshots for your reference, thank you.
Product: Checking or savings account

Called upgrade on XX/XX/year> to get updates on 3 disputed transactions all of which were told the same response of they did not receive the paperwork that they send me. This is not true all was send back to them. I requested this to be escalated and was told it will be with no continued result. I mailed all supporting documentation with that was requested of me back in the envelope provided with the letter they sent me upgrade continued to say they do not have it. account remains overdrawn for one transaction that was unauthorized and have not received credit for the other 2 billing errors all of witch the paperwork with supporting documentation was provided within the time frame.
Product: Checking or savings account

I opened my account with Huntington Bank on or around XX/XX/XXXX through an offer on their website that stated I would receive a {$400.00} checking bonus for completing the following activities. Open a new Huntington Perks Checking account with your promotion code by XX/XX/XXXX. Set up and receive total qualifying direct deposits of {$500.00} or more within 90 days from account opening. I have had my employers direct deposit going into this account in the amount of {$1100.00} bi weekly since XX/XX/XXXX. The offer also stated they could post the bonus 14 days after the account being opened which would have been on XX/XX/XXXX so to be safe I gave it a little more time and called them to try and correct the error here on XX/XX/XXXX. I was informed that nothing could be done as they do not see the promotional code applied to my account. This in my opinion was a ploy to try and obtain new customers without paying the offered cash bonus and is extremely deceptive.
Product: Credit reporting or other personal consumer reports

XXXX  , Tranunions, XXXX  didnt remove late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to remove unauthorized accounts on my credit report under 15 USC 1681a3. Equifax never obtained any consent from the creditor and did not have permissible purposed to give XXXX XXXX access to My credit report. Equifax violated my right to privacy and have been unfair and partial towards me. 15 USC 1681b2 requires Equifax to have permissible purpose before giving access to my credit report. On XX/XX/2022, Equifax representatives informed me that they could not provide a copy of my consent, or permissible purpose provided by the fraudulent creditor, because they did not have any and did not require it in order to give access to my credit report. This call is recorded. Equifax failed to assure the maximum accuracy of the information concerning me as it relates to my credit report. 15 USC 1681e ( b ) makes it clear that it is the job of Equifax to assure the accuracy before placing false information on my credit report. Equifax informed me that they do not have to do that and if I do not agree with that the creditor has placed, it is my job to contact that creditor. Equifax informed me that they do not conduct an investigation, they give the information to the creditor, and if the creditor says it is valid, they will continue to furnish the information. This is a direct violation of the Fair Credit Reporting Act. 15 USC 1681i states that Equifax if responsible for looking at my information and making an impartial, fair decision with respect to my privacy. 
In their last response to my investigation, Equifax admitted to not investigating my dispute. They gave the information I produced to the creditor ( including the identity theft report and police report ), and allowed the fraud to continue reporting on my account. This is harmful to me and my life. This is hurting my children and myself. This is illegal and a violation of the FCRA. Equifax does not abide by the law and must be held responsible.
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, 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 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 or other personal consumer reports

This account narrative reads verbatim account close by credit guarantor however, this account is still able to be pulled on a rent score report therefore enabling me to be able to find housing. There is no balance on the account as the account has been closed since XX/XX/2021, there is no reason for this to continue to hinder me From finding a place to stay
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as XXXX, XXXX, Equifax etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.
Product: Credit reporting or other personal consumer reports

My credit score has been destroyed and I have done nothing wrong. Equifax is only changing my credit score when it makes my score go down. There have been multiple situations where they had incorrect information on my credit report and when I disputed it, they removed it but score didn't go up. Proving that they have rigged it against and me and are illegally discriminating against me because of the color of my skin and my gender. 

XXXX XXXX reduced my credit limit in XXXX of XXXX  from {$8000.00} to {$970.00} when I had never missed a payment. I contacted XXXX and told them that I would pay off my balance right now if they restore my account and not destroy my credit. They refused and wouldn't let me make a payment. I tried to make a payment and they would not allow me to. 

I disputed the months that they reduced my credit limit with Equifax and uploaded screenshots to prove when they reduced it. Equifax changed the months that this happened but DID NOT CHANGE MY CREDIT SCORE. THIS IS ABSOLUTLEY IMPOSSIBLE and is more proof that the system is rigged against me. 

Equifax also reduced my credit score XXXX points when someone opened an XXXX account in my name. After I finally got the dispute removed, my score didn't increase at all. 

THIS IS MORE PROOF THAT THIS IS ILLEGAL AND THIS IS MORE PROOF THAT THE SYSTEM IS RIGGING EVERYTHING AGAINST ME. 

Why don't you cowards post the REAL rules that you want people to follow?? Why do you cowards post one set of rules and then go by another? Why not openly give the rules, instead of creating traps for people?

The economy is a scam and is not based on money or payment history and is only about unwritten rules that nobody will tell anyone what they are.

I was given 0 % APR for 12 months and then when I used it, they destroyed my credit and never missed a payment. That means that they set a trap and have no interest in making money. This isn't about money and this is illegal and unconstituional.
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 Account # XXXX, XXXX XXXX XXXX late payments ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

I also understand that according to federal law 15 U.S. code 1681s-2 ( a ) ( 1 ) ( F ) ( I ), an accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the cover period
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I settled a debt owed to XXXX/XXXX through a third party collection agency dynamic recovery solutions on XX/XX/2020. I have disputed this with the credit bureau and webank/fingerhut still shows this account as being owed. I have contacted both companies and I need this settled in full trade line removed from my credit report
Product: Vehicle loan or lease

XXXX I tried to log into my US auto sales account to make an online payment due for XXXX. I then learned this company closed and sent all accounts to XXXX XXXX XXXX. I was not in default or in bad standing. The company did not inform me of any changes. I try to pay the payment on XXXX and it will NOT allow me to pay i get an error " generated token failed '' I have paid the same amount on the same exact bank info since XXXX i was not aware period this was happening. I now have a charge to pay the account that is new as well ... .2nd issue i have is we are not told anything about changes and the debt collections XXXX  has my payment the same, but wrapped up in my car payment i am paying for services i no longer have such as my GAP insurance and servicing fees that are no longer applicable. I am not understanding how this is legal to send my account ( hundreds of people ) to a 3rd party company XXXX warning and still charge same amount for services they do not provide. my payment is XXXX every 2wks that has built in a fee for title, GAP, and servicing. XXXX  does not provide these services so i feel it is fraudulent due to having me pay " make believe '' services and it is not " real ''. I do know i owe my car payment, but i feel legally this is not right. we should have those services taken off the amount we pay monthly due to not receiving them. I am unsure how to pay this debt collector because they state they do not have my contract and will not have my title, that they are simply there to collect debt. I purchased this car in XXXX, i have my loan amount under XXXX but this is not right. i have my car loan sent to " collections '' when i was not defaulted. What do we do for paying the services not provided. looking at my contract when purchased the car i am paying little over XXXX for these services and they are no longer offered to me at no fault of my own. The US auto sales gave XXXX warning for any of this and i find it unjustifiable to pay a debt collection on my credit report even when i did my part up until this business closed. How can i get this debt for services OFF my total payments left and 2nd how do i even make the payment if i only get " error ''. This is happening to hundreds of people XXXX  warning XXXX answers to questioned asked. XXXX had long wait times and hangs up on people while asking questions about their portfolios.
Product: Credit reporting or other personal consumer reports

Family Educational Rights and Privacy Act ( FERA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERA applies to any public or private elementary, secondary, or post-secondary school remove all student education records. XXXX XXXX XXXX ( b ) Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I have requested to remove the educational records from the consumer report.
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 FS # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  # XXXX The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XX/XX/2022 ''
Product: Prepaid card

XXXX refunded 25 payments that total {XXXX} on XX/XX/2023 back to my flex spending account called the XXXX XXXX but the funds did not get returned until this date XX/XX/2023.