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

To Whom It May Concern, I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention.

It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These alleged negative claims lack sufficient evidence to support their accuracy and compliance with legal guidelines. Therefore, I demand the expungement and deletion of all derogatory and adverse markings associated with these accounts. 
Furthermore, I insist on your compliance with the Fair Credit Reporting Act ( FCRA ) and METRO 2 reporting requirements. You are obligated to provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. 
Failure to do so within 30 days will result in legal action, including but not limited to filing a claim in federal court. 
I want to emphasize that my intention is not to dispute ownership or responsibility for these accounts. Rather, I seek transparency and accountability in the reporting process. If you are unable to substantiate the claims made in my credit report, I expect them to be promptly removed or updated to reflect accurate information. 
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to this dispute. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft from my x wife i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal and against the law i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with 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 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and never mailed or emailed me or called me and this is illegal and the XXXX are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Equifax XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i purchased 3 phone lines for my son and 2 granchildrenfor {$140.00} amonth.start auto pay XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, then i cancelled because not applicable to the children and my son 's phone can not get the right internet connection because his phone is hwawei . also al three phones are ours.come XXXX, they bill me again, i call XXXX XXXX, i said why do you still charge me when i was already cancelled. she said sorry for that, maybe it is just late .so what she did was gave back the XXXX $ to my bank account. and said try to tell your bank to cancell payments .which i did.XXXX comes, i call again why is XXXX XXXX asking for payment again? she answered, sometimes it take time to upload the collection. just disregard .you are ok in my end. nothing to worry. XXXX, i got letter from XXXX XXXX saying final notice and will be sent to debt collector, past due balance of XXXX $ XXXX XXXX received letter from credit company .i call them and connected me to XXXX XXXX and said she can not check what is my balance about she need passcode .go get new pin from the store where you get internet. went to store said go call them. we can not open. XXXX XXXX talk to ariel ask me to go to store again and ask for new pin to peek on account and to talk to him when i am there .XXXX XXXX store people don't like to talk to him at first. said they were able to open but don't see anything wrong with the account. they keep me going back and forth to call XXXX XXXX and go to store. and nothing was done properly. until now credit company is bothering me with the said balance not paid but they can not explain what it is specifically. please help me resolve this matter. we have also sent letters asking for explanation but did not answer at all.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Mortgage

I applied for a VA mortgage through USAA, they sent me a pre approval of XXXX and then followed up with a loan contract and fixed interest rate of 3.5 %. The loan officer then stated that they could no longer offer me the loan and gave me the wrong credit information when I attempted to add my spouse as a co-borrower. They kept describing themselves as a conservative institution and that my business would be better elsewhere. This is after the loan officer stating that they completed XXXX VA loan the previous month.
Product: Money transfer, virtual currency, or money service

PayPal closed my account/permanently limited and the payments to me is on hold for the reason that I am underage but I am already XXXX years of age, and I already submitted the copy of my driver 's license for my verification. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal as my payment option for my XXXX XXXX to the client thus it's an intangible item And a non shipment transaction. The goods and services Delivered and used to the client is an electric format.
Product: Debt collection

My complaint is that they call in increments of every 10 minutes and leave voice messages each time. They begin promptly at 8 am and will call at least 40 to 50 times prior to 12 noon. I may get a brief break before they start the same process around XXXX to XXXX XXXX and ending promptly at XXXX XXXX. So every day including weekends I receive on average 115 to 120 calls per day from same company with a voice message left each time. I've asked them to stop. I've asked them to limit their calls to once a day. When speaking to agent, they are very aggressive in tone and language. If this does not qualify as harassment then I'm not sure what does.
Product: Credit reporting or other personal consumer reports

Yes I have XXXX dispute I was trying to fix XXXX credit report I have had a issue with identity theft in the past and because of the situation I have had to file a dispute I also have had a police report to
Product: Credit card

Care Credit Mastercard offered XXXX bonus points if {$250.00} of purchases were made between the dates of XX/XX/year> to XXXX/XXXXXXXX. I made XXXX purchases during that period ( see attached file for a copy of the offer and the list of purchases ). Prior to the end of the promotional period ending, I called Care Credit to verify that I met the requirements and was told that I did meet the {$250.00} worth of purchases. I never received the points so I called and was told to give it a few billing cycles to receive the points. I waited for the time period and still didn't receive the points so I called them back. A case was opened for the inquiry. The case number is XXXX. I just spoke to someone concerning this and was told that one of the purchases ( XX/XX/year> ) was not eligible because it was a Mastercard purchase. The Care Credit card is a Mastercard and the promotion mentions that to receive the offer you need to use the Care Credit Mastercard, which I did. I made a total of {$280.00} purchases using the credit card which is more than the required {$250.00}. They told me nothing could be done. I double checked today and made sure that they knew that I would be contacting the CFPB if they are unable to assist to resolve this issue. They verified that they couldn't do anything.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : BANK XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXX OF XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 

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
Product: Checking or savings account

I am not able to close my account with the company listed below. 

The ACE Flare Account is established by XXXX, Member FDIC. Netspend, a XXXX XXXX XXXX, is a service provider to XXXX. Netspend, a XXXX XXXX XXXX, is an authorized Independent Sales Organization of XXXX. Certain products and services may be licensed under U.S. Patent XXXX XXXX and XXXX. 

I called and have gave the the following. 

XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX DOB XXXX XXXX XXXX business email : XXXX personal email : XXXX I want to closed my account ASAP, Immediately. I have not used nor plan to use there service any more or in the future. 

Thanks in advance.
Product: Mortgage

We purchased a home in XX/XX/XXXX for $ XXXX with 10 % down payment so we were forced to open an escrow account and pay PMI - due to mortgage debacle we were not permitted to finance a 80/10/10 loan as we did with our first home - even though we have an excellent credit score. In XX/XX/XXXX we took advantage of an offer by CitiMortgage ( big mistake ) to lower our interest rate. In the process of the paperwork, they " appraised '' ( on paper ) our property far below our purchase price - at $ XXXX I believe is the number cited over the telephone. Our loan amount was $ XXXX. The home was not physically appraised and I never knew they changed the value of our property as I was advised no appraisal necessary and I do not believe I was given a copy of this form as I do not have it with our closing loan docs. I called CitiMortgage several months back to inquire about removing PMI because our house is worth significantly more than we paid. That 's when I was informed that the appraised value is {$290.00} and our loan {$280.00} - so we were a long way off to reaching the 78 % LTV. I was told I could have an appraisal at my expense - fine - I asked if I could use an appraiser of our choice ( because I do n't trust them ) or was I forced to use one of their choosing. They said I could use one of our choosing, as long as they were licensed to perform appraisal in the state HOWEVER - they said they would review the appraisal BUT that the holder of the loan ( XXXX XXXX ) did NOT have to approve our appraisal. I know for a fact that a bank does not loan more $ than the appraised value on a loan and asked several people within CitiMortgage about this including a supervisor and they went silent - they could n't answer my question because they knew I was right. If the appraised value is less than the loan amount, the purchaser must come to close with the additional cash. I then asked for a copy of the supposed appraisal and the representative over the phone said he put the request in and a couple of weeks later, I received a letter from CitiMortgage stating they could not provide and I would have to obtain from a third party ( not surprising - CitiMortgage has always given me the run around-always ). Now they have sold my loan to XXXX XXXX  effective XX/XX/XXXX - I have no idea what 's in store for us now ). Our property tax records are showing the assessed value ( which is always lower than market value ) at $ XXXX for XX/XX/XXXX. Homes in our neighborhood are selling mid 400s as we speak. I would like to know what I can do. I am furious that consumers are held hostage and mortgage companies are allowed to break the law - they refuse to remove the PMI even when LTV is well above 78 %. They continue to raise our payments every year for the escrow account " to create a cushion in our escrow account. '' I 'm tired of them holding our money and us being forced to pay PMI. We have never been late or missed a payment and again our credit score is still over XXXX. Any advice would be much appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from Experian Information Solutions Inc .
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always ExperianXXXX that gives people headaches.
Product: Credit card or prepaid card

I recently received a statement in XX/XX/XXXX stating that I owe {$2800.00} to Bank of America this account was paid off in XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX request XXXX received a check and cashed it. Someone tell me where the funds are. When I call XXXX will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress. 

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check. 

Where is my money. 
Why are you reporting charge offs after it was paid. Per experian the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK XXXX  TO REIMBURSE LEGAL FEES.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information appearing on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I have identified the following accounts that are reporting inaccurately : XXXX  - Credit Card Account Number : XXXX XXXX XXXX  - Credit Card Account Number : XXXX ( Delinquent Status ) XXXX - Line of Credit Account Number : XXXX ( Collection Status ) The information reported by XXXX regarding these accounts is incomplete and inaccurate. Under the FCRA, I have the right to accurate reporting of my credit information, and any information that can not be verified must be corrected or removed from my credit report. Specifically : Violation of the Fair Credit Reporting Act ( FCRA ) : According to Section 609 and Section 611 of the FCRA ( 15 U.S. Code 1681i ), if information in a credit report is found to be inaccurate or incomplete, the credit reporting agency is obligated to delete or correct the disputed information promptly. The burden of proof lies with the credit reporting agency to ensure the accuracy of any item placed on a consumer 's report.

FCRA Section 623 ( a ) ( 1 ) ( B ) - Information Provided to Credit Reporting Agencies : This section holds that furnishers of information to credit reporting agencies must not provide inaccurate information and must promptly correct and update any previously provided inaccurate information. As the data on these accounts is inaccurate, it must be removed or corrected immediately. 
Case Precedents Where XXXX Was Sued : XXXX has previously been involved in several cases where failure to correct inaccurate reporting has resulted in legal action. Notably, in XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled against XXXX for failing to ensure accurate information was reported on credit reports, highlighting the consumer 's right to sue for damages under the FCRA. My case similarly involves the failure to ensure accurate and complete reporting of accounts on my credit report. 
Removal of Fraudulent Accounts : Under the FCRA, Section 605B ( 15 U.S. Code 1681c-2 ), fraudulent information that can not be verified must be removed from the consumers file within 30 days of a dispute. I demand that the inaccurate and incomplete information regarding these accounts be corrected or removed immediately. 
I request that XXXX investigate these matters, verify the accuracy of the accounts, and take the necessary actions to correct or remove the disputed items. If XXXX is unable to verify the accuracy of these accounts, I expect them to be removed immediately, as required by law. 
Please be advised that I am CC'ing this letter to both the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office. I expect this matter to be resolved promptly, and I look forward to your response within 30 days as required under FCRA guidelines
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I noticed there was a hard inquiry placed on my Transunion credit file that I did not authorize. I reached out to Transunion on XX/XX/2023 and notified them about the unauthorized inquiry that was placed on my credit file by a company name XXXX XXXX XXXX. The Transunion customer service rep promised me on a recorded line that the hard inquiry would be removed off my credit file within 7 days. On XX/XX/2023, I pull a new copy of my Transunion credit file and the hard inquiry is still on there. At this point my rights were violated and I was lied too. This hard inquiry is damaging my credit file and hindering me from moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( 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

Please see the attached letter from the court your company " verified '' the inaccurate bankruptcy on my consumer file confirming they do not verify any information with the 3rd party. are you aware that removing any information on a consumer file and then later adding it back without written notice is in direct violation of the FCRA? i'm giving your company a chance to fix this error before i seek litigation. i am keeping record of all responses from your company as evidence.