23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are extremely adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. im demanding the inaccuracies be deleted now. 
Here are the items I am asking you to verify as accurate : XXXX. XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, This is my third/fourth attempt to have the following fraudulent accounts removed from my credit report. Experian and Equifax continue to auto-verify these accounts without proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). I have now obtained a notarized identity theft affidavit and am demanding full compliance with federal law.

Fraudulent Accounts to Be Deleted Immediately : XXXX Account # : XXXX ( Experian, Equifax ) XXXX XXXX XXXX Account # : XXXX ( Equifax ) Legal Violations by Experian & Equifax : Experian and Equifax are violating the FCRA 1681c-2, which requires credit bureaus to block fraudulent accounts immediately upon receiving a valid identity theft report. 

Additionally, under FCRA 1681i, they are required to conduct a proper reinvestigation, which they have failed to do by relying on automated verification processes instead of contacting the actual creditors.

Fair Resolution to This Issue : I am demanding the following : Immediate and Permanent Deletion of the fraudulent accounts listed above. 
Written Confirmation from Experian and Equifax that these accounts have been removed.

Compliance with the FCRA, ensuring that all future identity theft disputes are properly investigated and resolved as required by law. 
A Formal Statement from Experian and Equifax explaining why these accounts were not removed in the first dispute, despite sufficient evidence of fraud.

Failure to comply will result in further legal action, including potential claims under FCRA 1681n, which allows for damages of up to {$1000.00} per violation, plus punitive damages and attorney fees.

I expect Experian and Equifax to resolve this matter within 15 days and provide written confirmation of the deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

i FILED A COMPLIANT WITH cfpb AGAINST XXXX XXXX XXXX because they reported a payment late on an auto lease when it was not The account in question was with XXXX XXXX XXXX XXXX I got an apolgy from XXXX and a promise to correct the status XXXX and XXXX subsequently corrected my report ... Trans Union did not I have disputed with TU 3 times ... spoken on the phone with TU for hours and still my report shows this account as 30 days late for the XX/XX/XXXX payment which is absurd because i never made a payment in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX because the car was turned in early I received a final bill and it was paid by the XX/XX/XXXX due date I don't know what it is going to take to get TU to fix my credit report. I am at my wits end with them and hopeful that the CFPB may get some action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I share an XXXX credit card with my wife XXXX XXXX. On her Equifax credit report, it shows there is a remaining not paid balance of {$250.00} with XXXX. But on my Equifax credit report, it shows the XXXX balance is paid off with a XXXX balance. My wife 's credit score is much lower because of this discrepancy and we were denied on a home loan because of it. When I called Equifax, they said they had no idea why XXXX had not reported on my wife 's report in one month, and they suggested I call XXXX for assistance. When I called XXXX, they too had no idea and suggested I call Equifax for assistance. I honestly feel like my wife is being targeted due to her XXXX. 

Last update of her Equifax credit card balance was exactly one month ago. Not only that, every time we use our XXXX card, within the hour we pay off the entire balance. It's not fair that XXXX reports the balance immediately to the credit agencies, but XXXX doesn't report the IMMEDIATE same day payments. 

I need an answer why my report is different from my wife 's 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was a customer with XXXX XXXX. I was not done with my plan and XXXX  XXXX did not complete the original service I was supposed to receive. This is not related to the " Lifetime Warranty '' that no longer exists. 

I started using their aligners in the winter of XXXX and was scheduled to be completed by the summer of XXXX. While in treatment, I saw my dentist. He said that my bite was not correct and that the aligners XXXX  XXXX provided actually made my bite worse. I contacted Smile Direct, who offered to alter my plan. They sent me a kit for new aligners and pictures. I uploaded the pictures to their portal and shipped the molds of my mouth. 

The following week they folded. 

Now, I get an email and a text from XXXX XXXX XXXX every five-ish days stating that my account is past due. I've offered to pay {$500.00} just for them to leave me alone. I can not pay a company that did not complete their original agreed upon service.
Product: Bank account or service

I opened a citi bank gold checking account with a coupon code for XXXX XXXX bonus point if I complete the requirement for the bonus. I met the requirement got the confirmation from citi that I will be given the XXXX XXXX point in 3 month. But after three month. Cit told me that they will not honor what they said adn will not give me the XXXX XXXX bonus points. 
I ask citi to honor the promotion and give me this bonus code.
Product: Credit reporting or other personal consumer reports

I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested CAPSTONE CREDIT & COLL to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing you because I saw some things in my credit report was inaccurate. Therefore, I am writing to request the method of verification for the following disputed item ( XXXX ) : Disputed Item ( XXXX ) : Account Name : XXXX Account Number : XXXX Reason for Dispute : They reported a charge off to my credit report month after month, but the account has only bee charged off one time. This is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information.

" Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as it is required by law.
Product: Bank account or service

I have an account with SunTrust Bank, from which I have never ordered checks. SunTrust bank cashed XXXX forged checks out of my deposit account and then charged numerous overdraft fees from those checks and other debits from the account. I called the next day to report the counterfeit checks, but they are saying that they will take 7-10 business days to " investigate. '' These checks are obviously counterfeit. They look like they were made from a copy machine, they were from a SunTrust Bank with a PO Box , and they were signed " XXXX ''. SunTrust now refuses to release my money back to me because of their mistake while they hold onto my money for 7-10 business days. This is an absurdly long time to investigate something that is a clear case of fraud because of their lack of security.
Product: Debt collection

Debt wasn't found correct lawsuit was dropped. XXXX filed a suit from mOss Law firm regarding a a XXXX debt and then dropped the lawsuit after motion for discovery in 2019.
Product: Credit card

I am formally disputing the reporting of a charge-off account from Discover Bank on my credit report. This account is being erroneously reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, and I request its immediate removal.

Reason for Removal Request 1. Inaccurate Reporting & Non-Compliance Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers must ensure that any reported information is 100 % accurate and verifiable. This account has not met that standard.

Metro 2 guidelines require consistent and proper reporting codes, which this account fails to meet.

2. I Do Not Want This Account Reported at All This account should not be reported in any capacity. If Discover Bank can not validate this reporting in full compliance with federal guidelines, it must be deleted in its entirety per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

3. Charge-Off Status Is Causing Harm The continued presence of this inaccurate and unverifiable charge-off is negatively impacting my financial standing. If it can not be reported accurately and in compliance with Metro 2 standards, it must be removed.

Requested Action I request that this charge-off be permanently removed from my credit report immediately. If Discover Bank can not fully verify and substantiate this account per federal requirements, they are legally obligated to delete it entirely.
Product: Checking or savings account

I opened a suntrust account XX/XX/19 and deposited {$400.00} in savings and {$800.00} in checking. Today XX/XX/19 I cant use online account so I called they said my account will be closed. No provided reason and no access to my money. I called three different departments went to branch in person an tried atm. They would not give me info or my money. Ive had no money for basic needs lol gas, for, shelter I have no other way to get funds. They said I will get a check in mail of my money in 7-10 days after 5-7 day investigation. They refuse to help me or allow me funds to survive.. I did nothing wrong.. Im a hard workin RN!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Compliance on account, its been over 60days havent gotten a response therefore im reinterating my request in The Fair Resolution Box.
Product: Credit reporting or other personal consumer reports

The account name : XXXX XXXX the Amount of {$1000.00} has attempted to collect a debt that is not mines. 

I have asked Experian to provide a method of verification but I have not yet to receive my method of verification 's. 

Under the 15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Debt collection

I have contacted company and requested written proof of debt and personal liability which to date has not been provided. XXXX found the charges unrelated to service provided and denied claims. I dispute the accuracy and legitimacy of these charges. Further more this third party debt purchaser is reporting medical information in violation of HIPAA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bad business practices- I made several complaints directly over the past two years with correcting the payment amount, name change after speaking with manager ( s ) directly ; XXXX  legal documents, new ID card, copy of SSN card, emailed and faxed docs. And, the results are always none of the information was received. The very reason I chose to get away from this company MUSA/XXXX  , The vehicle was PAID IN FULL in XX/XX/XXXX ; XXXX. This company refuses to report the correct information for the payoff. Instead it totally deleted the account from the report, like before in correcting the monthly payment, which was incorrect. Ive called the company many times on this issue ; to reflect the correct balance of the est. $ XXXX + instead of a diff amount of $ XXXX. I called the credit bureaus, it shows there is no record of the company ; business started in XX/XX/XXXX, now its as if the account never existed. PLEASE REPORT THE CORRECT INFORMATION. BOTH NAMES ( XXXX XXXX ) REFLECT WITH XXXX. 

As of XX/XX/XXXX, I called XXXX and the account was closed/deleted for XXXX, which is still incorrect. Deleted all reporting history from XX/XX/XXXX, as if it never existed on the report. XXXX advised It does not reflect on the credit report. XXXX also advised because of this type of status, it will need to be re-added, then another dispute can be filed. The company/XXXX  tells me to wait and there is nothing more they can do and its on XXXX. XXXX stated it is NOT their issue and it needs to be corrected by XXXX/MUSA/XXXX/XXXX, whoever they are today. - THERE HAVE BEEN MANY NAMES. This company has not provided a paid in full letter, received a XXXX payoff from the dealership. They made attempts to block my number from calling customer service at XXXX and No response from the escalation requests. Outcome : TO CORRECTLY REPORT THIS INFORMATION TO XXXX WITH THE CORRECT BALANCE AS PAID. THIS IS THE ONLY BUREAU THE COMPANY REPORTS. Attaching the XXXX  company response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$3400.00}, {$1000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

Got a personal loan through regions bank to build my credit and was set up to auto withdrawal from my checking account in the amount of {$15.00} and was not made aware that there was a hiccup in the auto withdrawal process that caused a late payment without my knowledge. Have filed a complaint with regions bank but was no help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5700.00} XX/XX/XXXX XXXX XXXX  XXXX {$21000.00} XX/XX/XXXX XXXX XXXX  XXXX {$4400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to pay taxes on the companies that are listed on my credit report and they were also at the end of the time to be on my credit report. They sold these and wrote them as a charge off yet still remained on my credit. XXXX experian would not look into although it was for a different reason. The others would not acknowledge or remove their claim due to the fact they had collected something on the charge offs and the collection companies. I claimed over XXXX in income due to credit card debt and some was from over twenty years ago! How this is possible I do not know. But the XXXX I did not recognize XXXX of the cards and that is another complaint I got off track there is just so much. But there is no removal or anything like that stating they got something because it was from them not collections that was a separate 1099-c I also paid collections for the same amount same debt. XXXX write off on several same things. How can XXXX companies make me pay taxes twice?
Product: Credit reporting, credit repair services, or other personal consumer reports

See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX Mortgage reporters XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX Tenant Screeners XX/XX/XXXX
Product: Vehicle loan or lease

I am writing to formally requesting 1099A form related to the repossession/sold of my vehicle by capital one finance. 
account name : XXXX XXXX XXXX  account number : Vehicle make and model : XXXX XXXX XXXX XXXX : XXXX I understand that the 1099-A Form is necessary for tax reporting purposes, particularly in relation to the cancellation of debt and potential tax implications arising from the repossession of my vehicle.

Please let me know if any additional information is required to process this request. I appreciate your prompt attention in this matter and look forward to your prompt response.

Thank you for your assistance.

S