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

I'm genuinely perplexed. No matter how many times I assert that I'm the one behind this letter, it seems the message is continually overlooked. Let me clarify : I'm the individual instigating these disputes under my own name. However, this particular item is unfamiliar to me. I fail to comprehend why you're labeling these as fraudulent or posing a high risk. The documents I've submitted are authentic, they're mine, duly filed with the appropriate agencies, and they support my stance. Let 's set the record straight!

Firstly, I'm aware that under FCRA Section 619, obtaining information under false pretenses carries severe penalties. Any individual knowingly and willfully obtaining information on a consumer from a consumer reporting agency under false pretenses may face fines or imprisonment, or both, as per Title 18 United States Code. 

Crucially, I have never shared my documentation with anyone else, which seems to be the basis for the claim of high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ), if a consumer reporting agency reasonably determines that a dispute by the consumer lacks sufficient information to investigate the disputed information, they may terminate the reinvestigation.

Furthermore, under 617 Civil liability for negligent non-compliance ( 15 U.S.C, 1681o ), any person negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, along with the costs of the action and reasonable attorneys fees in the case of any successful action to enforce liability under this section. 

Here is the list of items that are unknown to me : XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX Has validate 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across the three major credit bureaus - XXXX, Equifax, and XXXX XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/2020, while Equifax reports the open date as XX/XX/2020 and XXXX is reporting XX/XX/2020 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, XXXX and Equifax, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXX XXXX  Balance : {$1300.00}, XXXX XXXXXXXX XXXX XXXX XXXX : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  Credit Card XX/XX/2022 XXXX XXXX XXXX  Credit Cards XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 2022
Product: Debt collection

This company attempted to collect on a XXXX XXXX debt that was paid in full. I contacted XXXX XXXX and researched with them and they were not showing a debt owed to them and could not find where anything was reported to this debt collection company. They were showing I was paid in full especially since I had current services with them. I contacted the debt collected company back and informed them off this and they said they would report it and have it removed. This was in XX/XX/2014. The account RECENTLY has been ADDED back onto my credit report and is showing as an open account and they are attempting to collect on it again.
Product: Debt collection

This letter serves as a direct and final demand for you to immediately cease reporting any and all information regarding the collection account youve placed on my credit report. You are in blatant violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), which specifically prohibits debt collectors from communicating false, misleading, or deceptive information to third partiesincluding credit reporting agencies.

Let me make something abundantly clear : furnishing information to credit bureaus is absolutely a form of collection activity. By continuing to report this account, you are intentionally using credit reporting as a weapon to pressure me into paying a debt, which is underhanded and deceptive. Youre not fooling anyone by disguising this as anything elseits nothing more than an attempt to extort payment by damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report a few month age and i notice some Unauthorized inquiry on my consumer report. I reach out to XXXX, XXXX and TransUnion because this is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 for unlawfully obtaining my ( consumer reports ). Without my authorization or a permissible purpose is a violation the FCRA See 15 usc 1681b.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to CFPB.XXXX. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of ab sudden the account is reappearing 6 months later with a balance of {$2300.00}. This account was paid off.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and REMOVE them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I boarded a cruise to XXXX. While visiting different ports I purchased jewelry. The jewelry came with appraised value. I came home from the cruise and had the jewelry appraised. The appraised value was approximately {$.00} on the dollar of my purchase. When I wrote the company, they did not respond to me. I engaged an attorney and was told that the company would only recognize a particular firm/individual to perform appraisals of their jewelry. We found the appraiser and forwarded the results and request " return '' slips to return the junk. They refused and added my account to the credit reporting agency ( s ) as non-collectible debt. I disputed the debt with Equifax, XXXX and XXXX. My letter included the appraisals, emails, letters from attorney, etc. 
Equifax agreed with the company after a 10-day review. XXXX did not respond nor did XXXX XXXX I disputed the results of their investigation because there was no time for them to XXXX through all the documents and not clearly understand that ( 1 ) a Ph.D. Gemololgist and Professor at our local college did the appraisal as they requested ( 2 ) I attempted twice and was given exactly the same response.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to Transunion. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX 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. The XXXX reporting agencies are also in violations of ... XXXX XXXX XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. I also have a FTC report that was submitted to Transunion and clearly disregarded. 
Please remove XXXX ( XXXX ) - ( XXXX ) XXXX was removed and illegally place back on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, Transunion took more than 30 days to complete my investigation XXXX XXXX XXXX
Product: Mortgage

My husband and I are looking for a new house. We were pre-approved by XXXX lender. 
Unbeknownst to me my husband decided to contact Quicken loans to check on refinance rates for our current home. While at work he spoke to a representative who gave him all of my credit information to include a credit card in my name only and the outstanding balance.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquiries that were not mine on there.
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. 
Account name : 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: Debt collection

LVNV sent a notice by mail recently stating they purchased an alleged debt from XXXX  XXXX that is being serviced by Resurgent Capital services however another notice sent by XXXX XXXX XXXX stated that they have the same alleged debt from XXXX  XXXX as well. I am certifying I have no knowledge of this alleged debt and to return back to the original creditor.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the account with XXXX XXXX and includes several inaccuracies that need correction. 

The account information in dispute is as follows : **Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$25000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) - **Date Reported : XXXX XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) - **Balance Owed : ** {$21000.00} - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by Experian and XXXX - XXXX Rating : ** Derogatory - XXXX Description XXXX ** XXXX - XXXX Status : ** Account not disputed - **Creditor Type : ** Credit Unions - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff - **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Unpaid balance reported as a loss by the credit grantor ( Experian ), Charged off account ( XXXX ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX and Experian XXXX, XX/XX/XXXX ( XXXX ) - **Term Length : ** 60 Month ( s ) - **Past Due Amount : ** {$21000.00} - **Account Type : ** Unsecured loan - **Payment Frequency : ** Monthly XXXX XXXX XXXX  - **Credit Limit : ** {$0.00} - **Two-Year Payment History : ** Inconsistent reporting across the bureaus This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across XXXX XXXX Experian, and XXXX XXXX 
XXXX. **Date Reported : ** Different reporting dates across the credit bureaus. 
XXXX. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
XXXX. XXXX*High Balance and Balance Owed : ** Discrepancy in high balance reported by XXXX XXXX 
XXXX. **Creditor Remarks : ** Differing comments about charge-off status and loss reporting. 
XXXX. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters have been sent to all XXXX credit Buearus in reference to these accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. All XXXX of these accounts are inaccurately reporting on my credit report. From mix matching account numbers, invalid account numbers, last reported and last activity dates are wrong. I have been sending letters since XXXX of 2022 in reference to verifying these accounts and correcting the eras. Per the FCRA, IF THE ACCOUNTS CANT BE VERIFIED THEY MUST BE REMOVED FROM THE CREDIT REPORT. Reference 15 U.S.C code 1681e- Compliance procedures : ( b ) Accuracy of report.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute and Intent to Pursue Legal Action Under 15 U.S.C. 1681m Dear EQUIFAX, I am writing to formally dispute several inaccuracies on my credit report and to notify you of your obligations under 15 U.S.C. 1681m. Despite my previous attempts to rectify these issues, they remain unresolved. As such, I am considering pursuing legal action to seek damages for your non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified the following issues on my credit report : 1. Incorrect Addresses : My credit report contains old addresses that do not belong to me. I have previously requested that these addresses be removed, yet they remain on my report.

2. Unauthorized Selling of Information : It has come to my attention that my personal information has been sold to other creditors without my consent. 

3. Closed Accounts : Despite my requests, you have refused to remove closed accounts from my credit report. 

4. Reporting of Charged-Off Debts : It is my understanding that charged-off debts that have been sold should no longer be reported on my credit report. However, these debts continue to appear on my report. 

Under 15 U.S.C. 1681m, you are required to ensure the accuracy of the information you report. Failure to comply with these requirements can result in liability for damages, including statutory damages of up to {$1000.00} per violation, actual damages, costs, and attorneys ' fees.

I am requesting the following actions : 5. Removal of Incorrect Addresses : Please remove any addresses from my credit report that are not associated with my current or previous residences. 

6. Cessation of Unauthorized Information Sales : Immediately cease selling my personal information to third parties without my explicit consent.

7. Removal of Closed Accounts : Remove all closed accounts that are inaccurately reported or have been previously requested for removal.

8. Verification and Removal of Charged-Off Debts : Provide verification of any charged-off debts that you continue to report. If these debts have been sold, they must be removed from my credit report. 

If these issues are not addressed within 30 days of receipt of this letter, I will pursue all available legal remedies to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response confirming the resolution of these issues. 

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

Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX Child support My personal business Exposed