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

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXXXXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the r
eporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : 9866 Delete this account.

2. there is some inaccurate information reporting.

CAPITAL ONE Account Number : 51780577 Delete this account.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CREDITACPT Account Number : 10279 Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CREDITACPT Account Number : 10279 Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CREDIT COLL Account Number : 2240 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), h

as violated several of my rights. 15 U.S.C 1681 section 602 A.Clearly states that I have the right to privacy. 15 U.S.C 1661 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 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry.

Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.

Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX FTC REPORT ATTACHED
Product: Debt collection

I do not know who is CCS. I contacted XXXX and requested how I own money and under which contract that is based. XXXX never provided a signed contract. I am under the FCC Affordable Connectivity Program. XXXX has a contract with the FCC. If the FCC stops paying the service ends. I have no liability under this Gav. program. Service started on XX/XX/2023, and ended on XXXX XXXX XXXX by FCC.
Product: Checking or savings account

I have a navy Federal account where I was involved in a scam being taken place against me. I thought I was applying for a loan. The person called me and already had all my information and said I was eligible for a loan. I did provide the person with my access code. They ended up putting {$2200.00} in my account and snatching it back out. When I called Navy Federal they advised me someone had disputes transactions on my account and when they issued a temp credit they transferred the money out. Navy Federal ended up holding me at fault and closed my account saying I owe the money. I provided them the phone numbers they called from, email address, and forms they had me fill out regarding the loan. Im not sure why they couidnt follow the money since it was transferred out. I can provide more info if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit report check through Experian, and it's lists an XXXX XXXX XXXX account that I've never used but states a balance of {$14000.00}. I have never used this account. I believe it is fraud.
Product: Debt collection

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request LVNV FUNDING provide me with competent evidence that I have any legal obligation to pay LVNV FUNDING a balance of {$1700.00}.

At this time, I will also inform LVNV FUNDING that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by LVNV FUNDING or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If LVNV FUNDING are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, LVNV FUNDING must provide the proper documentation in regards to the following 4 questions below : 1 ) SEND ME A DETAILED LIST OF ALL THE HISTORY OF PAYMENTS MADE BY ME ON THIS ACCOUNT # XXXX. 

2 ) I WANT TO SEE THE SIGNATURE THAT I PUT ON A CONTRACT GUARANTEEING I WOULD PAY LVNV FUNDING LLC.

3 ) I WOULD LIKE TO SEE ANY INSURANCE CLAIMS FILED ON THIS DEBT.

4 ) I WANT PROOF THAT LVNV FUNDING LLC HAS THE CHAIN OF TITLE TO COLLECT ON THIS DEBT. 

Without any of the following questions being answered and without proper documentation from LVNV FUNDING. The consumer will not have been afforded his right to due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.
Product: Student loan

In XX/XX/XXXX, MOHELA without written noticed moved my account to a new servicing platform. I did not receive my monthly bill on time to pay it before the due date that month, and in addition, they made it so I could only pay via mail by check due to this transfer to a new servicing platform. I sent a check for my total due balance of all my loans combined, a total of {$250.00}. The check was soon cashed by MOHELA per my bank account. When I next checked in the first week of XXXX, my account had been transferred and was marked as being past due. I called. I was then told I had sent my check to the wrong address and so it would take awhile for it to be processed into the new system. The address I sent it to was the one on the bill, and again, they had already cashed this. Next time I check, it was on the account, and even though I proceeded to pay XXXX 's bill, again in total of {$250.00}, it continued to say my account was past due. I contacted customer support again who stated they would put in a ticket to find out and I would hear back within XXXX business days. I gave it XXXX and called, only to be told that they had made an error and had only applied the check to XXXX XXXX instead of the full total of all my loans. They stated they would put in a ticket and have this fixed, give them XXXX business days. That came, I called, and was told, no, you're wrong, there's no ticket, but now there is, and it will be XXXX business days. I am then advised to pay only what I usually would per month. I proceed to do so, each time being hit with " your payment is late. '' 30 days pass, I call and I'm told it'll actually take another 60 days and that they had never said 30 days. I proceed to call every month this year and pay only what I owe. In XXXX, the customer service representative stated there'd been XXXX work done on my ticket and he sent it to a team to address " ASAP ''. Come XXXX, I call and zero progress on my request to have their error fixed as I have never been late a payment since graduating college in XXXX. The customer service representative that time put my account for the month of XXXX to XX/XX/XXXX into temporary forbearance/deferment so that it will no longer send me messages about a late payment. Except, this does not fix the actual issue that MOHELA has completely failed to resolve this issue as they have said they would time and again. My payments will become due again XX/XX/XXXX. I do not know if it will continue to state that I am overdue. I do however feel that it should not have taken nearly a year to resolve their error in applying my check to only XXXX loan instead of all my loans as I had marked on my bill. I do not feel that they can act with integrity and I fear that they will try to get more money out of me than I owe because of this error. I fear paying them because I am never certain if they will actually process my payment correctly. I still pay them, but it has broken my faith in them to fulfill their role as my service provider. I have never had this issue with my previous service provider, and I am disappointed that MOHELA has the contract at all considering how they have badly handled it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence did a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

With Chapter XXXX Bankruptcy Also these inquiries XXXX/XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX. 
XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX, XXXX  ( XXXX ) XXXX XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX, XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX/XXXX  Inquiry XXXX XXXX XXXX, XXXX Closed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Money was withdrawn from my account in California to the total of XXXX dollars. This has been going on for over a month. I have a police report,signed all affidavits. For over a month all I hear is 5 days , 5 days. They are not being truthful. And very dishonest. Some  guy went into a bank in California and withdrawn my money and then proceeded to withdraw my money electronically 3 more times.i really need my money back Mr. XXXX XXXX  in the XXXX  NY branch hasn't been able to get the money back in my account
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 Balance : {$0.00}
Product: Debt collection

There is a collection listed which does not belong to me. I never received a notification or have ever been contacted by this company. I only know about it because I had my credit pulled. Please help me The account shows as Avante # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All last year I tried to update but no luck and I don't remember specific dates because it was several XXXX XXXX XXXX I have tried several times to update and remove inaccurancies with Equifax and they say Items are considered Current with Equifax. Formerly known as name is wrong, 2 addresses are wrong ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Employer is inaccurate not XXXX printed out my credit report and the inconsistencies with my credit report.They keep denying me the chance to update, inconsistencies. I call their customer service number and their very impatient and rude with me. I'm trying very hard to pay off all my debt now that i got a new job. I'm almost done paying off all my debt! I'm just trying to get a positive outcome. I just want to make sure I'm not paying off someone else 's debt. Thank you, have a great day.