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

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized and inaccurate. The inquiry in question appears as follows : Creditor Name : Capital One Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX  I have reviewed my credit report, and I can confirm that I did not authorize or initiate this hard inquiry with the above-mentioned creditor. As a result, I request that you investigate and remove this unauthorized inquiry from my credit report. 

I kindly request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ). I also expect a response within the legally required timeframe, generally 30 days, regarding the results of your investigation.
Product: Debt collection

Collection company-Tate & Kirlin is billing from creditor XXXX for $ XXXX. The original Ietter in XXXX XXXX from Tate & Kirlin stated they could offer me a discount of 60 % for a balance of $ XXXX. Their client is XXXX. I have not entered into a contract with XXXX. 
I contacted on XXXX/XXXX/XXXX Tate & Kirlin to get answers, but when asked for my SSN or DLN, I refused and she ended the call. 
This could be for an old charged off account from XXXX. 
What am I to do?
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from EXPERIAN on XX/XX/scrub> 2024. I saw some Hard Inquiries that did not have Permissible Purpose. I also attached evidence : 1. XXXX XXXX XX/XX/year>2024 : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status of the account referenced above, which appears on my credit report. I believe there has been an error in the reporting of this account, and I request a thorough investigation into its validity. 

Details of the account in question are as follows : Account Number : XXXX Original Creditor : XXXX XXXX Date of Charge-Off : XXXX 2024 Current Status : Charged-Off I have reviewed my records and believe that the information reported regarding this account is inaccurate. I request that you investigate this matterand correct any inaccuracies in your records. I think it has been a matter of miscommunication. I was not aware of any late payments whatsoever. Please provide me with a written response and investigate this dispute within XXXX  days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

wrote letter to company and credit bureaus to remove an account. 
Account is still furnishing negative marks and is in violation of Per FCRA as a Federally protected consumer. 
***PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX*Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

My profile includes some inaccurate personal information please review the relevant documents that have my correct details.
Product: Debt collection

In XX/XX/2023 I was alerted of an account with XXXX XXXX that had been unpaid and sent to collections. I never opened that account and determined it was identity theft. I filed a police report and FTC identity theft form and submitted it to XXXX XXXX and the collections agency. It was rightly deleted from my credit report and the debt was deemed not mine. 

In XX/XX/2023, XXXX resold that debt to another collections agency and it has reappeared on my credit report. I have received no communication from the new debt collector or XXXX regarding the debt. It is for a house I have never been to, and I never gave anyone else permission to open the account in my name. 

I have called XXXX to settle this multiple times in XXXX and XXXX but they are unhelpful and refuse to remove me from the account even though they know it was not me and was illegally opened.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

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

Account XXXX reporting as a collection on my credit report this is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im a victim of identity theft. I have a given no one authorization to assess my credit profile.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$340.00}. 
Credit Card Account : Opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$7400.00}. 
Credit Card Account : Opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4300.00}. 
Credit Card Account : Opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4300.00}. 
Credit Card Account : Opened at XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$330.00}. 
Auto Loan or Lease : Opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$80000.00}. 
Auto Loan or Lease : Opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$14000.00}. 
Auto Loan or Lease : Opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$16000.00}. 
Personal Loan Account : Opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$13000.00}. 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer credit report. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint XXXX XXXXXXXX and XXXX XXXXXXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Credit reporting

ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING A RESPONSE FROM EQUIFAX AS IT IS NOW XXXX XXXX, 2015 AND UI HAVE NOT RECIEVED A RESPONSE FROM THEM IN REGARDS TO MY DISPUTES. AS EQUIFAX IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA. THE DISPUTED ITEMS MUST NOW BE LEGALLY REMOVED FROM MY EQUIFAX CREDIT REPORT. 


I am writing in reference to my original dispute. I have disputed these alleged account information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted and filed a complaint with the CFPB on each of the creditor currently listed on my Equifax credit report myself and have been unable to get them to verify that this is indeed my debt. 
I have previously enclose copies of my requests for each creditor to VALIDATE these alleged debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay these alleged debts to the creditors listed on my Equifax credit report. 
The FCRA requires Equifax to VALIDATE the validity of the DISPUTED items within 30 days. If VALIDATION can not be verified, Equifax is obligated by law to remove the DISPUTED items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
Equifax has been unable to legally VALIDATE these DISPUTED items pursuant to the FCRA, and is continuing to list the disputed items on my Equifax credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Equifax in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent account showed up on my credit report and I want this to be removed immediately.
Product: Credit reporting or other personal consumer reports

I just call XXXX XXXX XXXX XXXX XXXX to inquiry of his listed location is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and he claim he never been there and are XXXX XXXX so I am relying on the CFPB to get his location since the office phone is off XXXX XXXX. You were involved with your client XXXX XXXX XXXX fake SSN XXXX and XXXX and documented as fake doctor reported as XXXX. He cash XXXX chase escrow account checks in my name and I reported as XXXX XXXX XXXX XXXX XXXX. In your actions you list ID # XXXX which is now discovered and known as fake loan number you along with XXXX XXXX of XXXX XXXX bank use attached to my paid up mortgage XX/XX/year> for XXXX as XXXX XXXX and a settlement discovered by Enforcement XXXX XXXX XXXX XXXX as XXXX at XXXX XXXX. Now from XXXX XXXX no XXXX as Tradelines- XXXX BANK Resolve XXXX and XXXX XXXX XXXX XXXX. Please explain your role in reference to loan XXXX that you list as an ID number and got paid XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX XXXX  XXXX, Account XXXX XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX/XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o TransUnion reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$5900.00}. 
XXXX. Last Verified Date : o TransUnion : XX/XX/XXXX. 
o XXXX : Not reported. 
o XXXX : Not reported. 
XXXX. Date of Last Activity : o TransUnion : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Date Reported : o TransUnion : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Account Description : o TransUnion : Profit and loss write-off. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Amount in high credit original charge-off amount. 
XXXX. Payment Status Discrepancies : o TransUnion : Charged off as bad debt. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Days Late - XXXX Year History : o TransUnion : No late payments reported. 
o XXXX : 60 days late once, 90 days late once. 
o XXXX : 60 days late once, 90 days late XXXX times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the inaccuracies. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit Bureaus will investigate this account for me to ensure accuracy XXXX XXXX # XXXX. Attached is evidence that the information contains wrong date open, last reported date, wrong balances. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,
Product: Mortgage

I had previously submitted information for a complaint against the bank 's attorneys but it seems that there would be better chance for success filing against Chase Bank itself. The title company has definitely tracked the money that far. 
The title company received the payoff amount very late. I did n't even see it until I walked through the door at closing. It includes items for " estimated attorney fees and costs '' amounting to {$3200.00}. I can not image what this could entail as this estimate was received the day of closing. This was a straight forward sale. No short sale. There were also " Incurred attorney fees and costs '' of {$100000.00}, in addition. Several days later I received a refund of {$75.00} marked PIF.. How can there be a final reconciliation of fees and costs without accounting for these estimated attorney items? I am attaching the payoff quote.
Product: Checking or savings account

Regions bank regularly uses unfair accounting practices when direct deposits post at midnight usually they will run the outstanding debit charges first despite the pending deposit posting at the same time ; They will run the charges then count your deposit. It is unethical and almost criminal that they would do so, but it is clearly designed that way in order to incur NSF ( Non-Sufficient Funds ) charges on customer accounts. They have done say to the tune of over {$750.00} the past year despite my complaining and confronting them regarding this devious practice.
Product: Credit reporting or other personal consumer reports

on XXXXXXXX  i sent certified mail XXXX, trasunion, and XXXX  containing all the fraudulent items on my credit report. the certified mail contained the violations the credit reporting agencies are in violation of along with my signature, a notarized statement that my permission was ever given, as well as a copy of my state drivers license. title 15 us code 1682c-2 states items must be locked and removed within 4 days of receipt.
Product: Debt collection

derogatory remarks for something which I had no control over, these need to be removed from my credit report and satisfied due to a worldwide pandemic, my credit score was XXXX before the covid disaster.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against a collection company that is trying to collect a debt related to a phone services bill, in violation of the Fair Credit Reporting Act ( FCRA ). The collection company in question has failed to provide me with any validating information regarding the debt and has engaged in aggressive and harassing tactics in attempting to collect the debt. Additionally, the collection company has continued to report the debt on my credit report despite my requests for verification. 

I believe that this collection company is in direct violation of the FCRA, which stipulates that collection agencies must provide consumers with validating information regarding the debt they are attempting to collect and that they may not engage in aggressive or harassing tactics in attempting to collect the debt. I have attempted to dispute this debt with the collection company but have been met with unprofessional behavior and inability to verify the debt in question. 

I respectfully request that the CFPB investigate this collection company and take appropriate action to hold them accountable for their violation of the FCRA. I also ask that you help me verify this debt to ensure that it is legitimate and has not been reported erroneously and have it removed from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2019 around XXXX I received a phone call from Portfolio Recovery after I told them NOT to contact me at my phone and to send me correspondence through mail only, I called back and they refused to give the name of the person who called me.