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

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following XXXX XXXX XXXX. I am requesting that you promptly update and delete this unknown account. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days of receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account :
Product: Credit reporting or other personal consumer reports

ive sent a letter via mail asking experian to remove all old addresses i have been doing this since XX/XX/year> this issue is still going on they have failed to delete inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case XXXX previously opened was not addressed. Transunion blatantly ignored my requests. Someone else at Transunion already disclosed that XXXX XXXX was able to change the report to his name at which time Transunion put a security alert on my account ( without notifying me of the breach ). So now they are dodging my questions and this issue is not resolved. Below are my questions : 1. When did XXXX XXXX access my account and make the change?

2. Why wasnt I notified?

3. Why isnt there a stop in the system to prevent this from happening?

4. To change the report to his name there should be documentation requested from him that substantiates his request. Why wasnt this obtained?

5. What assurances do I have that this will not happen in the future?

6. Now, more importantly, why did Transunion ignore my questions about the security breach. Today I received an email from Transunions escalation team. It covers up the fact that they allowed XXXX XXXX to change my report to his name and failed to notify me. It reads as follows : Hello XXXX XXXX XXXX, We have reviewed your complaint along with the information you provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. 
According to our records, on XX/XX/2023, a temporary lift, with an expiration date of XX/XX/2023, of your TransUnion security freeze was applied per telephone call received. Please note that in order to manage your TransUnion security freeze online, you must create a XXXX XXXX XXXX account. Please visit Visit www.transunion.com/credit-freeze for more information. 
Currently, your name and address reflect as provided within this complaint on your TransUnion credit report. 

Please review my previous complaint. Transunion did not address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, XXXX XXXX XXXX # XXXX, XXXX Experian, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Product: Credit reporting or other personal consumer reports

Im disputing this amount because the balance was paid off for this vehicle another company brought the vehicle for the amount of {$13000.00} and the credit agency is stating i owe an balance of {$14000.00} when the account was written off for {$13000.00} because another company brought the vehicle I dispute this in XX/XX/year> and still hasn't gotten an response from the credit agencies.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXXCC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : CAPITALONE Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

Chexsystems has failed to notify me of the reinvestigation of my dispute of an account by the name of XXXX. I never received any written notice of reinvestigation. That is another violation as stated in 15 u.s code 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX are reporting wrong information on all my credit reports, in the month of XXXX XXXX they report a late payment of 30 days and then on XX/XX/XXXX they report a 90 days of late payment. HOW CAN THIS BE POSSIBLE??? 
See attachments I DEMAND RIGHT NOW ASAP THAT THIS ACCOUNT TO BE REMOVE FROM MY CREDIT REPORT DUE TO FALSE AND MISLEADING INFORMATION. 

Also XXXX XXXX sold this account to XXXX XXXX XXXX with all my personal and confidential information like SSN, NAMES, BIRTHDAY, ADRESS etc etc. 
The FCRA prohibit all of this, check The FCRA sections 604, 609, 611, 613. 

Since the year XXXX I am requesting copys of the receipts that shows for how much XXXX XXXX sold this account to XXXX XXXX XXXX with all my confidential information. 
Till this day XXXX XXXX are not cooperating with my person and have not send the requested receipts.
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 U.S.C 1681. CREDITOR-1.USDOEXXXX Account # XXXX CREDITOR-2. XXXXXXXX XXXX Account # XXXX CREDITOR-3XXXX XXXX XXXX  Account # XXXX **CREDITOR-4.XXXX  XXXX Account # XXXX CREDITOR-5.DEPT OF EDUCATIONXXXX Account # XXXX CREDITOR-6.XXXX XXXX XXXXXXXX Account # XXXX CREDITOR-7. XXXX XXXX XXXX Account # XXXX CREDITOR-8.XXXX Account # XXXX15 U.S.C 1681 Section 602 A states that 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.
Product: Checking or savings account

On XXXX I made a reservation through XXXX with a payment of XXXX. I selected my reservation dates of XXXX through XXXX. When I received confirmation, days were taken off of my reservation. I tried contacting the host and the response I received was " the days I want are not available ''. When I made the reservation online the dates were available and selected. On XXXX I opened a dispute/chargeback with my card company. On XXXX I received an email from XXXX stating THEY cancelled my reservation and would provide a full refund due to the reservation not being legitimate. XXXX disputed the chargeback from my card company and won the dispute. I have contacted XXXX countless times about this refund I was promised and they are now declining to work with me about this issue. I have documentation stating they cancelled my reservation and have promised a refund on numerous occasions. I have sent all documentation to XXXX they wanted to try and solve this but they are not responding to me now and I get disconnected when I call them. I opened a claim with XXXX  and it is now closed because XXXX will not contact me to try and resolve this. My bank/card company is not helping me with this matter either. They keep telling me they are not receiving the information they've requested. I have sent them all documents via mail and email on multiple occasions. When I call them about this issue they claim there is no one I can speak with to resolve this issue. My card is through Wisely pay card services.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ).

The debt in question is as follows : Account Name : EASTERN ACCOUNT SYST Amount Alleged Owed : {$130.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report.

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my [ credit card/bank statement/account ], indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXX/XX/year>XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I certified mailed a formal dispute letter to LexisNexis Consumer Center, to which they signed for on XX/XX/2019. 

LexisNexis violated Federal law per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) by not responding back within 30-days. 

LexisNexis failed to respond within 30 days by not providing their Method of Verification, copies of any documentation bearing my signature of the accuracy, compliance and reportability of their listing which they maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has Incorrect personal Information is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names Transunion XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX CARDS XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

I attempted to use Annual Free Credit Report.com to obtained my credit file, Experian block my online attempts said I had to use regular mail to request said report and made the consumer wait and additional 14 days to get a copy of their report in direct violation of the FCRA. 

I received report # XXXX for XX/XX/2022, and noticed Experian had deleted the following ( 2 ) Loan accounts from said report : XXXX  XXXX XXXX XXXX XXXX {$17000.00}, and Personal Loan account {$13000.00}, both accounts are currently open in good standing without any late payments. 

Experian removal of both loans accounts intentionally lowered the consumers credit scores and ability to obtain additional loans. This act of removing open lines of credit was based on race and designed to lower the credit scores of Americans of XXXX decent and blocking the consumer ability to obtain said credit reports online and delaying the consumers ability to correct any information blocked said consumer from obtaining timely financing. 

I am therefore requesting a investigation into this practice asking the CFPB to enact and enforce laws and provide consumers from this abusive practice and fine Experian for this deceptive business practice that may affect millions of American of XXXX decent.