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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a Suntrust fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against XXXX, Equifax and XXXX for their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous communication with them regarding inaccurate credit information, they have failed to take appropriate action to rectify the situation. 

I received a copy of my credit report which revealed the following errors : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX I carefully reviewed the FCRA, specifically 15 U.S. Code 1681, Congressional Findings and Statement of Purpose ( a ), which emphasizes the importance of accuracy and fairness in credit reporting. Accordingly, I requested the removal of the aforementioned items from my credit report, as they are not associated with me. Furthermore, I provided clear evidence supporting the inaccuracy of these entries. 

Despite my explicit request and the legal obligations outlined in the FCRA, XXXX, Equifax and XXXX has failed to conduct a proper investigation into these disputed items. They have neglected to recheck the accuracy of the entries with the respective creditors who reported them. As a result, these erroneous accounts remain on my credit report, damaging my creditworthiness and violating my consumer rights. 

According to 15 U.S.C. Sec. 1681i ( a ) ( XXXX ) ( A ), XXXX, Equifax and XXXX is required to complete a reinvestigation within 30 days of receiving my dispute letter. However, they have disregarded this legal time frame and have not provided me with an updated copy of my credit report, as mandated by the FCRA. Furthermore, they have failed to comply with the requirement to send notices of corrections to anyone who received my credit report within the past six months. 

I kindly request your intervention in this matter to ensure that XXXX, Equifax and XXXX fulfills their obligations under the FCRA. I believe their actions constitute a violation of my consumer rights, and I seek appropriate remedial measures to rectify this situation. I request that a thorough investigation be conducted and appropriate action taken against XXXX, Equifax and XXXX for their noncompliance with the FCRA. 

Furthermore, I request that you provide guidance on how I can further protect my consumer rights and seek redress for the harm caused by XXXX, Equifax and XXXX 's actions. I believe that their negligence and failure to comply with the FCRA warrant severe consequences, as this affects not only my financial well-being but also my overall trust in the credit reporting system. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your assistance in protecting consumer rights and ensuring fair and accurate credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments for loans over 10 years old from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.
Product: Credit reporting or other personal consumer reports

I contacted Experian.com in regards to XXXX XXXX showing on my report. This account should never have been reported to the credit bureaus in the first place as this account was paid in full prior to being reported as a collection account. This account was paid in full on XX/XX/year>. I notified XXXX XXXX  XXXX and was confirmed that this account would be removed from all bureaus back in summer of 2023. As per 15 US Code 1692 ( g ) and ( c ) this account must be removed, since this complaint was not properly investigated each time I submitted a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in willful noncompliance with FCRA 605B ( a ). 

On XX/XX/2019, I sent by USPS ( tracking # XXXX ) all of the attached documents, which fulfill the requirements for a mandatory block of tradelines under FCRA 605B ( a ).  According to the tracking info, Equifax received my documents on XX/XX/2019. FCRA 605B ( a )  requires fraudulent accounts be blocked WITHIN 4 BUSINESS DAYS when receiving such documents. It has now been 6 business days, and the accounts are still appearing on my credit file.

Today, the 6th business day since Equifax received my documents, I called and spoke to a customer service representative. The representative informed me that the documents had been received, and it may take up to 30 days for an investigation to be completed. This is illegal. FCRA 605B does not allow for a time extension to conduct an investigation. The fraudulent accounts must be blocked within 4 business days. 

Willful noncompliance with the provisions of the FCRA are punishable by fines and attorney fees as described by FCRA 616. 

XXXX and XXXX  have fulfilled their duty to block these accounts, but Equifax seems to believe it is above the law. 

The accounts in question are : XXXX XXXX XXXX XXXX, ACCT # XXXX, Amount : {$1000.00} XXXX XXXX XXXX, ACCT # XXXX, Amount : {$1400.00}
Product: Credit reporting

On XXXX XXXX, 2015 I have contacted Trans Union about a XXXXPublic Record being reported on my consumer report, I provided letter ( s ) and a copy of my police report and fraud victim identity theft affidavit in support of my dispute. The name of the creditor that reported the Public Record to Trans Union is ( XXXX ). I further advised Trans Union that when i reached out to the court they advised me that the information I 'm providing is not correct or not the same on the court records. Therefore someone used my name to file for this fraudulent Bankruptcy account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Barclays bank of Delaware did a hard inquiry on my credit profile without me knowing. I never gave my consent to this inquiry. This happened on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, thank you for taking the time to solve my complaint. 

On XX/XX/21 I sent a letter inquiring about incorrect and unknown events on my credit report. As i am writing this more than 60 days later, I have not been contacted or received a response. This is extremely frustrating because I have went through the proper channels to report this error in hopes of fixing it but that has failed me. My disputes are being ignored which is intolerable now at this post 60 days mark. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it will soon be almost 90 days to the date of my letter submissions so I am begging that these be deleted immediately. This is having a negative effect on my quest for a new home for me and my children. These accounts need to be promptly deleted or I will immediately file for litigation due to the emotional toll and stress this has caused me and my family during our new home search. I have also been informed that my information was impacted by the Equifax data breach and could be in the hands of the wrong person which is where the unwanted reports on my credit file came from.
Product: Prepaid card

I bought a Vanilla visa gift card at XXXX XXXX on XX/XX/XXXX, however the card is not accepted anywhere, so I called for a replacement. The customer agent confimed that the replacement is sent on XXXX and will arrive with in XXXX business days. After XXXX business days, i reached back, they told me to wait XXXX business days which is XX/XX/XXXX, that's the latest deadline for the shipping. I asked to get a refund by check if I still did not receive my card by then, the agent agreed. At the end of XX/XX/XXXX, I still did not receive my card. I called vanilla, all they did is let me wait " a few minutes '' to look into the case, then let me listen to system music for XXXX hour without anyone responding. I tried multiple times, and they refused to provide me a case number to do a credit card dispute.
Product: Credit reporting or other personal consumer reports

Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following accounts : I have disputed these accounts multiple times with the credit bureaus ( XXXX, XXXX, and TransUnion ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are inaccurate, my disputes have not resulted in the correct of these accounts from my credit report. The continued presence of these negative accounts on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. These accounts should be promptly correct immediately : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Product: Mortgage

My father who is now decreased, had been fighting an illegal foreclosure battle with Wells Fargo in XXXX. My father filed an appeal with local courts only to be denied. To sum it up he lost his home was forced to relocate etc resulting in financial hardship. I am the heir or next of kin. In recent light of the Wells Fargo settlement case I would like to know how and what is needed to move foward and receive compensation for the settlement for said claim for the financial injuries that occurred within the above-mentioned time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Jdmnt was awarded for an old apt complex back in XX/XX/XXXX for {$850.00}. They are reporting it to credit as XXXX as of XX/XX/XXXX, I filed a dispute with the credit bureau and they responded with a copy of the contract and fees that didnt even add up to the amount they are reporting, so I filed a 2nd complaint and they mailed a document in the mail that just said the debt is valid. I have reached out to the company since XX/XX/XXXX requesting different documents and they have yet to comply. On XX/XX/XXXX I served them certified mail with a notice to validate the debt and provide documents because I disputed the amount they are reporting. They are not allowed to contact me while in dispute and they called me that same day to tell me they received my attorney general complaint and document and that it was fwd to a mang, but wanted to know what my intentions were with the debt. I advised when they provide documents to me to substantiate there claim then I would get back to them. They also called me again today XX/XX/XXXX @ XXXX, I just rejected the call due to them not being able to contact me and they are well aware of that as they are violating The Fair Debt Collection Practices Act by contacting me. I have documentation that I will also attach.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a dispute pertaining incorrect items on my credit report, and it has been well over 30 days and I have not gotten the investigation results.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act, I sent this company a request to validate a frivilous account they had reported on my account. The company responded refusing to provide any proof and persevered with reporting this frivolous account on my credit report.
Product: Credit reporting or other personal consumer reports

This company is publishing, selling and or providing an alleged public record to XXXX credit agency without my written instructions.

15 US CODE 1681 ( a ) ( 2 ) ( b ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( b ) Conditions for furnishing and using consumer reports for employment purposes Pursuant To 15 USC 1681n ( Civil Liability For WillfulNoncompliance ) {$1000.00}
Product: Student loan

In XX/XX/2023 I applied for IDR plan which I qualify for through students.gov. They used irs data retrieval tool to get tax information and submitted all necessary documentation to Mohela. My IDR application was denied due to needing additional income information that was already provided by students.gov.I submitted another application. The next day I contacted Mohela and verified income and submitted another application for IDR for the third time. Upon looking on Mohela.com both applications showed canceled status on XX/XX/23 XX/XX/23. I called again on XX/XX/23 due receiving a letter stating my obligation for payment by XX/XX/23 which was different from student aid that quoted XX/XX/23. I contacted Mohela again where I spoke with supervisor shy who resubmitted application and stated it was not processed correctly she quoted 1-2 days for processing and new IDR information. I asked for something in writing stating this she stated a letter would be mailed in 5-7 days. Upon calling today to verify whats going on with my account a new trainee XXXX stated that it would take 5-7 days to process. This is insured I have been waiting since XX/XX/23. This can affect my credit negatively and this entity has not clear answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. I am writing this notice to dispute and remove some incorrect and erroneous items that are illegally reporting, and damaging my credit report. First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law 73-10 which suspended the Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes wjich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Listed below are the accounts that I DEMAND be removed IMMEDIATELY. 

XXXXXXXX XXXX XXXX  ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX STATUS UPDATED- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX STATUS UPDATED- XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX STATUS UPDATED- XXXX XXXX
Product: Checking or savings account

I opened up a checking and savings account with Bank of America online and deposited all my funds from my previous bank and my Direct deposit with my company to this account to open. I was mailed a letter stating the account was closed due to they could not verify my identity and I received no notification from them in attempts to try and verify my identity. They are now withholding over {$1000.00} of my hard earned money for investigation. I physically went into the bank opened up an account and it has been longer than XXXX business days and they are still withholding my funds and not providing any details as to why its not being released back to me even after verifying I was indeed the person who opened the account to include my direct deposit matched the account name and personal information provided on the account they closed. I have called and spoke to many representatives and am getting the run around stating they dont know when my funds will be released to me. I dont know what further action I can take with Bank of America to get my funds released back to me.
Product: Credit reporting

Transunion has my name listed as XXXX My name should be listed as my state id which is XXXX and only listed as XXXX as the other names are fraud.
Product: Credit card

Please examine the enclosed documents. I urge the bureau to initiate an investigation into these accounts, which falsely report me as late even though I have never been late on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated due to inaccurate information being reported using permissible purpose ( XXXX ). My rights have been violated by a block of information resulting from identity theft ( XXXX ). I have been denied bank loans due to these violations ( XXXX ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of XXXX. EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXXXXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately