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

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 a my file at XXXX 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 items 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. 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 item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$24000.00},
Product: Mortgage

In XXXX we got corrected bills due to a property tax exemption. We immediately sent the corrected bills to the loan servicer, Mr. Cooper. In XXXX when property taxes came due they paid the old amounts. We contacted them as soon as the payment came out stating that they paid the incorrect amounts. We contacted our local tax offices and they stated that a refund had been sent on XX/XX/2022. For the city tax {$53.00} was refunded to our servicer and for the XXXX XXXX XXXX tax a refund {$310.00} was refunded. According to Mr. Cooper no refund was ever sent for those accounts. We have contacted them multiple times and submitted 3 cases with all of the documents provided to us. We are just wanting the money refunded to our escrow.
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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

Complaint Letter to the CFPB Regarding Credit Report Errors XXXX XXXX XXXX, XXXX Country XXXX XXXX XXXX TN XXXX Phone Number XXXX XXXX XXXX Email Address XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX RE : Fair Credit Reporting Act ( FCRA ) Complaint - Inaccurate Information on Credit Report Dear CFPB, ( I was trying to buy a house when I realized that there was damage on my reports. I have asked multiple times to remove errors which is a declamation of my character-but no response ) This letter is a formal complaint regarding inaccurate information on my credit report. I am writing to you today under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g and 15 U.S.C. 1681 ( a ) ( 4 ), which guarantee the accuracy of consumer credit reports.

Dispute Details I have identified inaccurate negative items on my credit report. These negative items such as I have written a total of 7 letters and in the last letter sent out I added all information into one letter. 
Charged-off Accounts : ( In violation of 15 U.S. Code 1601 ) Collections : ( In violation of 15 U.S. Code 1692c ) Bankruptcy : ( In violation of 15 U.S. Code 1681a ( 2 ) ( B ) ) Late Payments : ( In violation of 15 U.S. Code 1666b ) Repossessions : ( In violation of 15 U.S. Code 1601 ) Hard Inquiries : ( In violation of 18 U.S. Code 1028a ) I have already disputed these inaccuracies directly with all three major credit reporting bureaus ( XXXX, XXXX, and TransUnion ) in writing. ( Attach copies of your dispute letters to the bureaus as evidence. ) Impact of Errors The presence of these inaccurate negative items on my credit report has significantly damaged my ability to obtain credit. This has had a detrimental impact on my financial well-being and has caused undue stress. ( Errors have affected you, such as difficulty obtaining a loan, credit cards, higher interest rates, or inability to mortgage loans ) Request for XXXX I request that the CFPB investigate this matter and ensure that the inaccurate negative items are removed from my credit report by all three credit bureaus. 
I am confident that upon investigation, you will find that the disputed information is inaccurate. I am available to provide any additional documentation you may require to support my claim. 
Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have found that inaccurate information continues to be reported, despite my previous disputes. The bureaus have verified this information as accurate, but I have provided proof with the attached letter showing it is incorrect. This ongoing reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation of disputed information. 

Continuing to report these inaccuracies without proper verification is also a violation of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, which requires furnishers to update and correct any information they provide to credit bureaus that they know or should know to be inaccurate. 

I respectfully request that this inaccurate information be removed from my credit report immediately, as the evidence I have provided shows it to be erroneous. Failure to remove this information could result in further violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a month now I have been getting an error message every time I try to review my credit report with Equifax. I keep getting a message that my report is blank. I reached out on XX/XX/2023 and spoke with an agent who said that she was escalating it and I would be notified when its fixed. When I called the agent never asked me for the code. This is such a hassle because I am in the process of repairing my credit to get read for home buying and cant access the information I need.
Product: Credit card

The company Fortiva has provided misleading information when it comes to submitting online payments and their customer service is horrible. I normally pay all my credit cards online because I feel safer if I am able to submit an online payment. Every time i have tried to submit a payment online the website it always under maintenance no matter what time of day it is. Which leads me to believe that this method of payment is not available. This is very misleading as mentioned on the statement this is a method of payment.
Product: Credit reporting or other personal consumer reports

I asked the Bureau who was the furnisher of the Information that I requested Be Deleted.The Response was The Bankruptcy Court.Which was a Lie.I did not consent to any of this information being shared.
Product: Debt collection

On XX/XX/XXXX " NATIONAL CREDIT SYSTEMS INC '' began to report a {$8500.00} collection account to my credit report. The original account is an apartment complex named " XXXX XXXX  ''. I have never lived at this apartment complex and this account is a result of identity theft. I have made a police report with my local police department as well as filled out an FTC Identity theft report and sent it in to " NATIONAL CREDIT SYSTEMS INC '' and they refuse to stop reporting this account to the credit bureaus! This is a violation of the Fair Credit Reporting Act. They should not be reporting this account to the credit bureaus after receiving my police report. I sent the Police Report in XX/XX/XXXX last, but have sent it multiple times in the past.
Product: Credit reporting or other personal consumer reports

I'm not receiving response regarding my concern I'm tried to fixed my credit but still no action please delete this inquires now Here 's the list XXXX XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX XXXX Date of inquiry : XX/XX/2024 XXXXXXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX Date of inquiry : XX/XX/2024
Product: Debt collection

In early XXXX, I noticed a collection account for Spring Oak Capital for {$1000.00}. I looked into the matter and learned it was the result of ID theft. I completed an FTC ID theft report XXXX and sent it to the credit bureaus as well as via email to this collection agency. The accounts were removed from the credit reports but months later reappeared. I disputed them AGAIN and this time I called Spring Oak Capital to reiterate my previous email which included the ID theft report and ask what I could do to get them to stop reporting this debt. This was in mid XX/XX/XXXX- the woman at Spring Oak Capital said that there was NOTHING I could do to dispute it with them but not to worry about it, the debt was being imminently returned to the original creditor and would not be reported by them anymore. The account has repeatedly reappeared on my credit reports and on XX/XX/XXXX they once again - despite having been provided with my ID theft affidavit - reported to XXXX that this {$1000.00} debt is valid notwithstanding my claim of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hi again with XXXX My student loan with XXXX is paid off I got an email stating a new loan was posted to my account they posted it under Missouri XXXX XXXX Loan I do not have a loan with Missouri XXXX XXXX can you please assist with that being removed off my credit report
Product: Credit card

On XX/XX/year> or around that time, my Cerulean card ending in XXXX was charged for XXXX XXXX a XXXX fee. The {$1300.00} was from a car rental company for a towed car I rented. I used the card to rent the car. I did not think that this credit card company would except charges over the amount of the credit limit. I have never had a card that does that. Normally a credit card would decline, or an agent calls you and asks if this is a fraud purchase. None of those happened. I did start to pay down this card. I have never heard from this card company by phone or in writing about my account. In XXXX the card company credited {$510.00} to my account. I did not ask them to do that, I hadn't disputed any charges on this card. No one could tell why this was credited. Then in XXXX a chargeback appeared on my statement. I called and asked what was the chargeback for? An agent told me it was from a dispute. I never disputed any amounts on this card. I was paying off the balance. At no time did XXXX call or communicate what they were doing. No representative could explain why this was done. This charge caused my credit score to plummet. What kind of company does this without notifying the customer by writing, email or phone? XXXX should have never accepted any charges over the credit limit.
Product: Payday loan, title loan, or personal loan

This company has been deceptive from the beginning. no full disclosure, somehow knows confidential information. XX/XX/XXXX ... ... requested documents ... ... .. XX/XX/XXXX sent follow up ... .... Someone called and indicated we spoke on the XXXX after the XXXX ... ... .... Multiple phone calls after cease and desist verbage. XX/XX/XXXX spoke with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

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 reporting 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. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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 involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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

My on time payments for XXXX and XXXX have not been reported to the credit bureaus. I have asked them to update but it has not been done
Product: Debt collection

YOU DID NOT COMPLY WITH MY INITIAL CEASE AND DESIST NOTICE. See cease and desist initial demands NOTICE on XX/XX/23. 

I demand the following actions be taken within 10 days of receipt of this letter : 1. Delete or remove all accounts from any and all non-affiliate 3rd party credit reporting agencies.

2. Delete or remove my nonpublic personal financial information from any and all consumer reporting agencies and your database or system of records.

3. Provide me a written response confirming the deletion of accounts from all credit reporting agencies and the termination of further collection efforts. 
If you continue to ignore my cease and desist demands i will file complaints with Governmental authorities for failure to comply under the FDCPA, FCRA and GRAMM LEACH BLILEY ACT for willful and non compliance along with identity theft with the Federal Trade Commission ( FTC ), Attorney General ( AG ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Florida office of insurance regulator, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESURGENT, LVNV FUNDING, XXXX XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX XXXX XXXX XXXX and I dont know over XXXX or XXXX inquiries, I have listed them, I also enroll all XXXX my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX breach and also the Xfinity data breach. My information is on the black web and its continuously being used and my credit is being ran several inquiries l to accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
Product: Credit reporting or other personal consumer reports

Approaching the XXXX mark from my anticipated monthly credit report update, I am becoming increasingly apprehensive about the prospect of XXXX, Equifax, and XXXX taking lawful measures to rectify the errors present in my credit reports. Despite my persistent efforts to address this matter from its inception until the present moment, there have been no discernible changes in the items I specifically requested for removal. It is imperative to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items identified by the consumer as resulting from alleged identity theft, no later than XXXX business days after the date of receipt. I have conclusively identified these items as being linked to the aforementioned crime, and I earnestly implore you to proceed with the removal of these fraudulent entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *********EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from TransUnion on XX/XX/2018 I noted a report called XXXX XXXX # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from XXXX XXXX. 

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.