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

I recently submitted a request for investigation of the above noted accounts, 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 these accounts are fraudulent though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system 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 TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX ( es ) XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 Experian is 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.. I need the account corrected now! 

XXXX XXXX
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

Independent Dealers Advantage, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to GLOBAL LENDING SERVICE regarding the reported unauthorized inquiry on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Debt collection

I am XXXX XXXX XXXX. On XX/XX/XXXX received a letter dated XX/XX/XXXX from Mary Cobb Attorney at Law on behalf of XXXX for a {$490.00} debt that is incorrect. The amount owed should be XXXX. In fact, XXXX  owes me. I called this law firm on XX/XX/XXXX at XXXX and told them that this was a mistake and that I do not owe anything, and they blew me off and said that they are only a debt collector. On XX/XX/XXXX, the {$490.00} dollars was reported on my credit reports. Now, I can not get financing to fix my roof that was damaged in a XXXX that recently hit my town. On XX/XX/XXXX, I called the law firm again and told them that they sent wrong information to the credit bureau, and they told me to mail receipts to them and they will resolve. I mailed them the info by certified mail on XX/XX/XXXX. I called the Law firm on XX/XX/XXXX to confirm they received, and they said they received and sent to XXXX for validation, however, they never validated the information before my information was sent to the credit bureau XXXX The law firm said that it would take 30 days. I contacted the Law firm on XX/XX/XXXX to follow-up on status, and the person I spoke to is now say 60 to 90 days, and hung up in my face after I told her that I was going to report them and XXXX to the Consumer Financial Protection Bureau XXXX 

XXXX XXXX was fraudulently debiting money from my bank account for a device that I had cancelled, and I have proof that it was cancelled. Both the Law firm and XXXX are reporting wrong information on my credit report that is having a negative impact on me getting financing to fix my roof during a rainy season. I am a XXXX citizen, and I they think they can ignore me. 

I would like XXXX and Law Firm to remove the incorrect information from my credit report, and I would like XXXX to pay me back all of the money that they were debiting from my account ( {$560.00} ).
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calls me up to 2 times a day.. Monday-Friday, for the last month, number comes up as scam, sometimes leaves a message, but otherwise keeps calling ... .to many dates to type how many times they have been calling me the last month..
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested the credit bureaus to do a debt validation of a few item for accuracy. they completed the investigation and stated the information was correct. i decided to do a thorough research myself and found improper inaccuracies on my report after their investigation. XXXX and XXXX also found the same inaccuracies and removed the items as required under the fcra. In accordance with the FCRA, the following creditors have violated my rights under 15 USC B 1681 sec 603 15 U.S.C C 1681 SEC 602. States i have the right to privacy 15 U.S.C C 1681 SEC 602. States a consumer reporting agency can not furnish an account without written instruction XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX, I am writing to bring to your attention a persistent issue regarding my personal credit report. I have made multiple requests through investigations and disputes to have the following credit remarks removed : XXXX CLOSED Account Number : XXXX XXXX Account Status : CHARGE_OFF Owner : INDIVIDUAL Account Type : REVOLVING Creditor Classification : LOAN_TYPE : CHARGE_ACCOUNT Original Creditor Name : XXXX XXXX  XXXX XXXX XXXX CLOSED Account Number : XXXX XXXX Account Status : COLLECTION Owner : INDIVIDUAL Account Type : OTHER Creditor Classification : FINANCIAL Loan Type : DEBT_BUYERS_ACCOUNT Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Despite my previous attempts, these remarks have not been fully removed from my credit report. I have taken the necessary steps to rectify this situation, including sending multiple certified letters, but have not received a satisfactory resolution. I strongly believe these remarks are fraudulent and, therefore, request their immediate removal from my credit report.

In accordance with the Fair Credit Reporting Act, specifically Section 623 ( a ) ( 1 ) ( B ), I wish to remind you of the provisions outlined. This section states that if a consumer notifies a furnisher that they dispute the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a Consumer Reporting Agency ( CRA ) without providing notice of the dispute.

Therefore, I kindly request that you take immediate action to remove the aforementioned credit remarks from my personal credit report in accordance with Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act.

It is crucial to rectify this matter promptly to ensure the accuracy and integrity of my credit history. I expect that you will act in accordance with the guidelines outlined in the Fair Credit Reporting Act to address this issue appropriately.

Please inform me in writing of the actions taken to remove these fraudulent remarks from my credit report within 30 days of receiving this letter, as mandated by the Fair Credit Reporting Act.

I appreciate your attention to this matter and your prompt resolution of the issue. I trust that you will adhere to the provisions outlined in Section 623 of the Fair Credit Reporting Act to ensure my rights as a consumer are protected
Product: Checking or savings account

a Debit card linked to my HSA account was sent to my address on XXXX but I moved on XXXX  I never knew the card was coming as my current one was valid until XXXX. I never got the card but in XXXX, there were cash advances and unauthorized payments on the card. I had not activated the card or set up a pin so not sure how this card was able to be used. Furthermore, it is a HSA card so not sure how this was able to be used for cash advances and non- health related items I did not see the transactions until this month when looking at my year end spend for my HSA XXXX Below are the dates, amounts, and transaction details. I have contacted the company and they have opened a fraud claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account at Bank of America on several occasions had money taken without my permission. On XX/XX/XXXX I filed a claim for {$2700.00}, on XX/XX/XXXX they put the money back into my account. On XX/XX/XXXX, after requesting to have my funds released I got the okay to go and get them. I go to a branch where I am greeted by a very unprofessional employee. The employee refused to give me my money and went so far as to have my account locked. I needed this money to pay my rent or I was going to be evicted, with XXXX kids and not s single place to take them. The next day I go to receive my money and again, after being told by more than one employee I could get my money, again they done the same thing. Because of Bank Of America I lost my home. My kids and I have been sleeping in a car for 4 days and still have nowhere to go.
Product: Credit reporting or other personal consumer reports

Today, I received two letters from Equifax sent on XX/XX/XXXX, which asked me to send personal information again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX is showing up on my credit file as a charge off account and that {$700.00} was written off. 

Legal Basis for Complaint Violation of IRC 6050p The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to issue this form, not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law.

FCRA 1681s 2 ( a ) ( 1 ) ( A ) CFPA 1036 ( a ) ( 1 ) ( B )
Product: Debt collection

ECSI has attached a debt to my credit and willfully violates an automatic stay order of my chapter XXXX bankruptcy in defiant violation of the Fair Credit Reporting Act ( FCRA ). They were notified on three occasions ( via mail, phone and email ) of bankruptcy filing by my attorney and myself. XX/XX/XXXX in the XXXX XXXX of California chapter XXXX was filed on my behalf by attorney XXXX XXXX case # XXXX. ECSI refuses to remove the debt from my credit in clear violation of FCRA. 

Further, the debt is for a student loan allegedly dispersed to me in 2004. The last year I attended XXXX XXXX was XX/XX/XXXX. This charge is fictitious. 

The misreporting of this information has had a negative impact to my credit. It has also recently caused me to be declined for credit. The stress of trying to correct this with the company has been both burdensome and time consuming.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions # XXXX ( XXXX ). Asset Amount is= XXXX XXXX XXXX # XXXX ( XXXX ). Asset Amount is XXXX CREDITORS DISCOUNT & AUD
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights as a consumer regarding inaccuracies on my credit report, which I believe violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 sections 602 and 604 ( a ), as well as the Fair Credit Billing Act ( FCBA ) under 15 USC 1666B. 

Per 15 USC 1681 section 602, I have the right to request the disclosure of my credit report and any information contained therein. Despite exercising this right, I have discovered inaccuracies on my credit report that are adversely impacting my creditworthiness and financial well-being. These inaccuracies were found in [ specify the items or accounts in question ]. 

Moreover, under 15 USC 1681 section 604 ( a ), I am entitled to accurate and complete reporting by consumer reporting agencies. However, the inaccurate information on my credit report provided by [ Name of Creditor/Collection Agency ] has not been rectified, despite my efforts to dispute the entries. This failure to ensure the accuracy of the information being reported has resulted in unjust consequences for me as a consumer. 

Furthermore, pursuant to 15 USC 1666B, I am entitled to fair and accurate billing practices. The erroneous reporting by [ Name of Creditor/Collection Agency ] has not only damaged my credit score but has also led to unwarranted financial repercussions due to the misinformation provided. 

I urge the Consumer Financial Protection Bureau to initiate an investigation into this matter and take appropriate action to enforce my rights under the FCRA and FCBA. Specifically, I request that [ Name of Creditor/Collection Agency ] be compelled to correct the inaccuracies on my credit report and refrain from further violations of federal consumer protection laws.
Product: Debt collection

I had submitted the payment online to the XXXX for services provided by XXXX XXXX XXXX. The payment went through but then I started receiving communications from XXXX that I owed XXXX XXXX Even after submitting multiple screen prints, confirming that the payment went through, they chose not to work with me and send the information to the debt collector - Creditor Advocates. I suspect this is not the first time they tried to force someone to pay twice for their services. I had to call XXXX to withdraw my payment back on XX/XX/XXXX. I had paid the credit collector on XX/XX/XXXX. Please take a closer look into their billing practices.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and I saw some hard inquiries that did nor have PERMISSIBLE PURPOSE. I also attached evidence. 

Lists of unauthorized inquiries that dont have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I attempted to file a identity theft report, I mailed a letter to each creditor Experian, TransUnion and XXXX for inaccuracies on my report and violating my rights under regulated too 15usc and 15-81 and other violations under these laws 15usc 1681b and 1681c-2 I have also exercised my rights under regulated statues.. and have requested they provide me with proof of there attempts to fix the errors and breached information. I am aware of my rights through the fair credit reporting act and requested through investigation into all inaccuracies witch included invalid addresses phone numbers and no proof of my concent to obtain any of my bills or bank statements and vehicle repossessions.. failing to notify me of investigation results properly these alligations undermine consumer protections and perpritrate the illusion of inaccurate information on my credit report. I am concerned my dispute has been mishandled in a similar matter and under the FCRA they are required to conduct proper investigation into my disputes and inform me of the results in a comprehensive matter. Not providing me with the information they rely on if the disputed information was verified as accurate.. so I would like to insure that incorrect or unverifiable information is corrected or removed from my credit report, if the investigation concludes the information can not be verified I am requesting the immediate removal or correction from my credit report. Furthermore I have requested written confirmation of the actions taken to in response to my dispute, sense theyve failed to resolve the matter I have reserved my write to reach out to you guys for assistance. Under 605b this information should have been removed with in four days. Letters were sent out to each credit beruo couple days ago and nothing has been done to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian by phone & letter regarding a XXXX XXXX  account that is reporting inaccurate on my credit report but have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau last XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX