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

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've have several things on my credit report that's not mine. Help me get them off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a mortgage in the amount of {$300000.00} in my credit reporting and my husband 's credit reporting. Supposely this mortgage was taken out on XX/XX/XXXX and it was closed and paid on XX/XX/XXXX. This mortgage never happened. XXXX XXXX XXXX XXXX can not find any documents signed or any records of the mortgage. I have been living in my house for 18 years since XXXX. Now I'm trying to refinance and this i affecting everything. We have never refinance the house and the only reason why we are refinancing now is because out sone is in the XXXX XXXX and we want to visit him. I have tried for the past month to take case of this situation. I have provided every document they have requested. Everytime I call I wait 30 to 40 min. My call gets passed to 2 and 3 reps and still I can not get an answer. I need this problem resolved ASAP. Because this is affecting our lives and XXXX XXXX XXXX XXXX simply does not care. They need to resolve this and take this off this mortgage for all the credit reporting companies.
Product: Debt collection

This is Extremely unfair and disturbing that I could dispute a debt and it continues to be damaging to my credit reports for years and years after Ive disputed. I reached a settlement amount and paid it ( receipt attached ). I was originally told by the customer service agent that a letter could not be sent to me of the settlement terms which was very deceptive. After paying the settlement amount, the account was to be deleted from my consumer report and it never was. Wells Fargo Bank, XXXX, doesnt have any right under Federal Law to continue to report accounts to the reporting agencies damaging the consumer reputation and credit worthiness. Again, the Wells Fargo account and erroneous information noted is extremely damaging and this debt needs to be deleted from my consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute withExperian about the unverified XXXX  XXXX  Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit card or prepaid card

I was approved for your XXXX  credit card at a particular credit limit about three months ago. Yesterday, without any notice, this credit limit was decreased significantly. There have been no defaults, delinquencies, or negative marks on my credit report since the initial approval. I have paid more than the minimum due with each payment and my income has not changed. The excuse I received from customer service was that the third-party team who initially approved the application missed some things. Sorry, that's not my fault. I have upheld my end of the credit relationship. 

Had I known that my credit limit could be decreased at any time ( for no good reason ) and without advance notice ... I would not have applied for this card. But now I'm stuck. If I cancel the card, that will have a negative impact on my credit report because of the short length of time the account has been open.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection reporting that should be removed by XXXX XXXX XXXX
Product: Debt collection

I received a letter from Resurgent Capital stating I have a debt of XXXX i have no knowledge of this debt. I later contacted XXXX who has no knowledge of a account ever being in my name or any order ever being placed in my name. I asked them to contact Resurgent an clear this up they ( XXXX ) stated '' We can not. '' I spoke with XXXX XXXX from Resurgent Capitol whom stated " We cant contact XXXX. '' Im not sure of how these people received my name and address however i want my personnel information out of their computer system. I have not purchased anything from them. Its fraud.
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 XXXX Account Name : DPT EDXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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

i noticed inquiries on my credit report that i do not AUTHERIZE and i contacted the all XXXX credit agency and was to to report to, IDthief and i have done so and the idtief report is attached please remove and delete from my profile
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I set up a Coinbase XXXX  and purchased XXXX  and XXXX XXXX, I subsequently tried to sell the XXXX and XXXX XXXX a few days later. Coinbase XXXX did not let me sell the XXXX XXXX as they were " Unable to Determine Fee ''. I tried to sell the tokens for several days, and then filed a complaint with Coinbase that I could not sell the XXXX XXXX asset. They provided several steps to try and rectify the issue, and I followed their instructions, but the problem persisted and I was still unable to sell. The value of the asset dropped from around {$13000.00} when I tried to sell, to a current value of {$5500.00}. 

Additionally, XXXX suggest I transfer my XXXX XXXX assets to a different digital wallet provider, essentially removing them from any responsibility to pay reimburse the lost {$8000.00} due to their system error ( I have this in an email from them ). Throughout this troubling process, I could always purchase more XXXX XXXX if I wanted, but still couldn't sell any, which certainly looks extremely shady on Coinbase 's part.
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 FIN Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Contact : ( XXXX ) XXXX Account Number : XXXX Reference Number : XXXX Dear Sir or Madam, I am writing this letter to formally dispute the legitimacy and ownership of a debt claim reported under my name related to an account with the original creditor, XXXX XXXX XXXX XXXX XXXX they sold this debt once it was reported as a fraudulent account to XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by your agency as of XX/XX/XXXX. According to the record, this account was assigned to your agency with out my permission by the previous company which is a violation of my consumer rights. 

The reported balance is {$340.00} and the original amount of XXXX. 
Please be informed that I have no knowledge or record of incurring this debt under the terms stated and hereby assert that this account is fraudulent or mistakenly attributed to my identity. The distress and financial impairment inflicted upon me by this erroneous claim can not be overstated, as it significantly impacts my creditworthiness and access to financial services. I can not believe XXXX XXXX XXXX XXXX would do something like this that is not only overwhelming but criminal. I will be taking legal action to rectify this matter. 

Given these circumstances, I demand immediate action on your part to investigate and rectify this situation. Specifically, I request : 1. Detailed documentation proving my responsibility for this debt, including any contracts or agreements signed between myself and the original creditor, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. A complete history of the account from the original amount owed to the current claimed balance, including an explanation of all charges that have led to the balance increase.

3. Evidence of your authority to collect this debt, including proof that this debt was rightfully assigned to your agency by the original creditor. 
4. Immediate cessation of all collection efforts and reporting of this account to credit bureaus until this matter is resolved. Furthermore, should this debt be proven invalid or not belonging to me, I demand its complete removal from my credit reports and a written confirmation of the same. 
Failure to adequately address and resolve this dispute within 30 days of receipt of this letter will compel me to take further actions, including but not limited to seeking legal counsel and filing complaints with appropriate consumer protection agencies. 
The continuous reporting of this fraudulent or mistaken debt has caused me unwarranted stress and financial harm. I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The loan is with LendMark Financial. I received a letter to settle this but decided to evaluate the handling of this loan first. I responded to the settlement letter and requested my payment history. I discovered my payments were not deducted properly and I still owed a larger balance than I should have. I have not anything further from LendMark since I requested the payments I already made be used to settle my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my XXXX XXXX. I have submitted multiple complaints to XXXX XXXX XXXX requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA XXXX XXXX, if verification is not provided, XXXX XXXX XXXX are obligated to remove these disputed items from my XXXX XXXX. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my XXXX XXXX Thank you for your attentiontothisissue. Attached you will also find my XXXX as XXXX and mXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Fidelity Rewards Credit Card, issued by Elan Financial Services issued a duplicate credit card for my account to an unauthorized individual in another state. I caught it and informed them ; I was forced to get a new card. Fidelity ( Elan ) has made security on my account so tight, I gave up using it and attempted to close the account. Balance is XXXX ; I requested the account be closed on XX/XX/XXXX ( sent to the Office of  the President @ Elan ). I have not received a response. I sent an email to XXXX XXXX, CEO of Fidelity as well as XXXX XXXX, Head of Customer Core Journeys. I did not receive a response. I then emailed XXXX XXXX, CEO of Parent of Elan, US Bank Corp. and XXXX XXXX, Senior VP @ US Bank Corp. and. I haven't received a response.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my TransUnion credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my TransUnion credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness.

I demand that TransUnion immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights.

Please provide written confirmation of the deletion of these accounts within ( 4 ) days of receipt of this letter, as mandated by federal law.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized credit inquiry that appeared on my credit report. I am disputing the reporting from XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX. Upon reviewing my credit history, I discovered the presence of a hard inquiry dated XX/XX/XXXX from XXXX XXXX XXXX XXXX that I did not authorize or initiate. I am also disputing unauthorized credit inquiries from XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. 
Per 15 U.S Code 1681 ( b ) Permissible purposes of consumer reports, Except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. A consumer shall notify a consumer reporting agency through the notification system maintained by the agency under paragraph or by submitting to the agency a signed notice of election form issued by the agency. 
Upon receipt of notification of the election of a consumer under through the notification system maintained by the agency, a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency and provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established at the time the consumer provides notification through the system. 
The inclusion of this inquiry has raised significant concerns as it has adversely impacted my credit score and financial standing. I have attached supporting documentation, including copies of my credit report highlighting the unauthorized inquiry, as well as evidence of my non-engagement with the aforementioned creditor during the stated timeframe. 
Per the FCRA as a federally protected consumer, I am have opted out of all authorization that I, the consumer, may have given you. Per 15 U.S. Code 6802 all written, unwritten, verbal or non-verbal authorization has been opted out of effectively immediately and indefinitely. 
I have urged XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX to conduct a thorough investigation into this matter and promptly remove the disputed inquiry from my credit report. Given the potential implications on my creditworthiness and financial well-being, I requested that this issue be addressed within 30 days to ensure the accuracy and fairness of my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

It has been a battle going through this and I am sending a complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that CREDIT BUREAU immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605b. Please delete the following accounts as soon as possible : XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}