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

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : 1. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX XXXX. Police Report filed with my local law enforcement agency.

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within four ( 4 ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights.

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are fraudulent.

The following account must be blocked and deleted immediately : UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1000.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card

Since XXXX XXXX I was charged by XXXXXXXX XXXX XXXXXXXX to 3 different cards two of the cards were from XXXX and the other card was from Capital One. I submitted a dispute a long time ago and after too many calls to XXXX and Capital One, I was finally going to get the money ( so I thought ) and its now basically XXXX of XXXX and I still havent gotten the money back. By the way its {$360.00} and some change. I just Capital One to ask whats going and why I havent received the money back and they said that since this is taking too long they want to proceed with the dispute anymore. And they kept asking for the same information I already resubmitted a few times ( bank statements from both banks with the transactions and dates ) and I also tried to get the money back from the merchant but it looks like no one wants to do their job. And its not {$5.00} Im disputing. And that money I was using it to rent a vehicle to make money with driving it for XXXX. Anyways. Thats a brief summary of what happen. And Im so stressed out and frustrated. And my doctors recommendation is for me to do yoga, meditate ; and keep my levels of stress as low as possible due a XXXX XXXX  and this isnt helping. So I dont know what else to do to get the money back. And Im poor and just lost my job and I need this money. So the complaint is against Capital One and XXXXXXXX XXXX XXXX. Thanks in advance for your help.
Product: Credit reporting or other personal consumer reports

XXXX has an incorrect account listing of an account with Affirm on my credit report. 

I attempted to make a purchase using affirm through XXXX. However XXXX  canceled my order immediately after completing checkout. Affirm has never refunded my {$500.00} down payment, nor have they terminated the never existent loan. 

They continue to report to XXXX  a loan that does not exist and refuse to refund my down payment. 


XXXX has been notified of this multiple times by multiple channels. Including a previous complaint utilizing this process, with which they never responded and simply lied, stating they did.

Both companies are in very serious wrong doing and both are abusing this system right in front of your eyes. Take action on them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for reporting inaccurate information on my credit report, specifically indicating that I do not have a credit score and providing a lower credit score than my actual rating. This erroneous reporting has caused me significant financial hardship and distress. 

I accessed my credit report from Experian and discovered that it falsely indicated I do not have a credit score and reported a much lower credit score than my actual credit standing. This incorrect information has adversely affected my ability to secure credit, resulting in higher interest rates and denial of credit applications, which has caused severe inconvenience and financial strain. 

I have made numerous attempts to contact Experian to resolve this issue, but my efforts have been met with inadequate responses and lack of corrective action. The failure to rectify these errors in a timely manner is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has continued to cause me undue stress and financial difficulties. 

In addition to rectifying my specific complaint, I request that the Consumer Protection Bureau ensure that Experian improves their accuracy and responsiveness in handling credit reporting disputes. It is imperative that consumers are provided with reliable credit information and timely resolutions to any discrepancies. 

I kindly request that the Consumer Protection Bureau investigate this matter and take appropriate action against Experian to enforce compliance with their legal obligations. I also seek your assistance in correcting my credit report to reflect accurate information and prevent further financial harm. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

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

Around XX/XX/2018 Equifax used another reporting agency to add a account. I was disputing a XXXX XXXX account where I submitted a XXXX credit report to reflect what the accounts should look like ( paid in full ). On that report XXXX  listed a account I was in the process of disputing XXXX. I called Equifax who states that XXXX sent over the information. I then kept on asking for the proof like some sort of contract with my signature and equifax refused to give me the proof where they got the account from. I finally called the creditor who stated any account closed for several years they wouldnt have reported on. They even wrote me a letter stating they could not find a account in my name during there search. When equifax used my XXXX report on a totally separate matter they broke the law under FCRA. I demand if they cant produce actual correspondence with creditor XXXX with a Auto loan contract to remove the closed account. Each reporting agency has there own way to collect data on a individual using something other then the creditor to verify a account is morally wrong. Again im demanding proof of the correspondence between XXXX and equifax. If nothing is found this should be removed per the FCRA. I have recently submitted a dispute but that dispute shouldnt exist. No matter what case I have for XXXX  at this time with equifax should be removed if proof cant be produced how they aquired it. Its a bit odd this account showed up when I submitted a credit report from someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and Equifax are both showing several accounts showing open by Dept of Education and XXXX for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to XXXX and the Dept of Education. I even sent letters to the XXXX. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, Account : XXXX from XXXX 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.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my credit. XXXX XXXXXXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX.
Product: Student loan

Navient does not report to the credit bureaus on a consistent basis. I have been making automatic, ON-TIME payments to them since XX/XX/XXXX, and they reported those good payments from XX/XX/XXXX to XX/XX/XXXX. Then the next year, to XXXX, XXXX and XXXX, they reported my XX/XX/XXXX payment and nothing else the rest of that year. In XX/XX/XXXX, there were no payments reported until XX/XX/XXXX. They did report XX/XX/XXXX, and so far I do see that XX/XX/XXXX has been reported on time. I am asking that they report my on-time payments from XX/XX/XXXX and XX/XX/XXXX to the bureaus for me so that I may continue to build and improve my credit score.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Product: Debt collection

I am submitting this complaint against SELECT PORTFOLIO SERVICING, INC, at   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , Utah   XXXX   for violation of the FDCPA and the Michigan Statue of Limitations to collect a debt.
<P/>
Select Portfolio claims to have acquired the servicing rights for a debt that was transferred from   XXXX   in  XX/XX/XXXX . Prio r to  XXXX  transferring that debt to SPS,  XXXX  had declared the loan to be in default. The alleged loan is past the statute of l imitations to collect a debt in Michigan and SPS continues to send me harassing letters on a loan that has a due date of  XX/XX/XXXX 
<P/>
SPS claims to be the servicer of a loan in my name when : a ) It has not participated in any servicing activity, can not produce any contract of the servicing terms between Select Servicing Portfolio and the alleged client that it claims to be servicing a loan for or produce any evidence that it paid any money on my behalf to any entity.
<P/><P/>
SELECT PORTFOLIO SERVICING INC, continues to take the following actions : a ) Threating to take my property unless I sell my home to a third party to release a SELECT PORTFOLIO SERVICNG, INC lien on my property when SELECT PORTFOLIO SERVICING, INC does not own any lien on my property.
<P/><P/>
SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose and defraud me of my property.
Product: Debt collection

On XXXX XXXXXXXX at XXXX, I received an email from First Collection Services XXXX a Debt Collector. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. I demand that you cease all communication with me regarding this matter, as required by law. Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. Please provide the following information to validate the debt : XXXX. The original creditor 's name and contact information. XXXX. A copy of the original signed contract or agreement related to the debt. XXXX. Verification of the amount of the debt and how it was calculated. XXXX. Proof that you are licensed to collect debts in my state.
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 accounts ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to acknowledge or return payment of XXXX that shows on credit report it was made and deducted but doesnt reflect on report from XX/XX/2022 and has different balance amounts. And is missing a lot of information from credit report and I would like to seek damages
Product: Debt collection

Requested 1099-C and Debt verification From the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All with no response Please remove this from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. I previously disputed this with XXXX on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act. 

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information. 

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other 2 bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.
Product: Credit reporting or other personal consumer reports

There were hacking activities occurred at XXXX. Hackers got client information and posted fictitious amount with recent date on Transunion and extort XXXX client to pay the amount. I have XXXX data Breach letter and reached out to Transunion and XXXX with no responses. thanks.
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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

global lending services denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a )
Product: Student loan

As of XX/XX/2020 My Tax Return was taken from me due to XXXXt Student Loan. I was told that we would not lose our Tax Return this year due to Covid-19, I was going to get around {$2300.00} back and everything was taken. I am now trying to get back to work but without that money I am pretty much having to live and Friends and Family and  borrow money just to get by day to day ... I have not heard any word from the company that now has control over the loan amount ... I am pretty much living on the kindness of family to let me live with them until I can some how get back on my feet ... I would like to know why my tax return was taken if I was told it would not be ...
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I call XXXX about fraud activity on my credit they remove the accounts and place a fraud alert on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX credit they had delete this accounts from my credit report but I check my reports recently and the accounts are the I ask them this not me and that they had removed the accounts so why are they still reporting
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 Account XXXX Account Name : XXXX OF XXXX Account XXXX Account Name : XXXX BANK Account XXXX Account Name : XXXX BANK Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.