23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my report, my address is XXXX XXXX XXXX XXXX, Georgia XXXX any other address is not mine and should be immediately deleted. The credit bureaus are required under federal law to report accurate information. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer 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 XXXX 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX has Out dated, inaccurate information on my credit report. Two late charges, hard 8 hard inquiries. My name is misspelled, addresses I never lived at. 2 car loans paid off. Last time updated my information was XXXX XXXX XXXX. I asked XXXX to make the changes accurate. But they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that you are reporting Deleted account from other Bureau when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require theTransUnion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting the wrong  1st  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to a ll    XXXX   credit bureaus with no change in it being fixed over the last year. Onl y   XXXX    credit bureau removed   XXXX  of the   XXXX    accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). F or a long time  XXXX  was reporting the wrong history and balances of the accounts since day    one, but t hat was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023 Equifax has committed perjury and broken the law on CFPB government site as well as violating my FCRA and civil rights with mishandling and lying to the CFPB causing damage to my report and given me the right for monetary damages of {$1000.00} per violation. 

They have received all documents and COMPLETED the investigation per their terms closing XXXX XXXX inquiry as DELETED on 7 different complaints attached as have never once deleted the completion of this. 


VIOLATIONS WITH THESE CLOSED AND INVESTIGATED REPORTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE F.C.R.A, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN S.B.A. LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS ITEMS ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) XXXX XXXX XXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, EQUIFAX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XXXX
Product: Checking or savings account

I was looking for CD 's with high yields. I saw a 5.6 % CD from Valley Bank for 3 years on XXXX. As you can see below, nowhere on XXXX does it mention this is a variable rate. I applied today, XX/XX/2023, for {$1000.00} funding. I feel misled and would like to close and get my money back without paying fees.
Product: Debt collection

I have been paying XXXX XXXX and XXXX 's online catalog companies which are the /same company just 2 different divisions. I contacted XXXX 's spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX 's and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX 'S DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX 'S THEMSELVES. I THEN CALLED XXXX 'S CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX 'S AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.
Product: Debt collection

Respondeat Superior is a doctrine that a party is responsible for ( has vicarious liability for ) acts of their agents. TRANSUNION, XXXX, and XXXX each are credit reporting bureaus. XXXX XXXX XXXX and, US DEPT OF EDUCATION, for example, might furnish a credit bureau with consumer information. In this instance, both has provided them with inaccurate or fraudulent collections information : ( 1 ) XXXX  XXXX  XXXX  asserted ownership over a purported debt related to the previously closed automotive loan. But these assertions of a supposed " deficiency '' are barred under California 's anti-deficiency statute, Cal. Civ. Proc. Code 580d. 

( 2 ) US DEPT OF EDUCATION makes the contention of many student loan debts totaling more than {$19000.00} that are reportedly due in connection with complainants alleged attendance at XXXX college. 

The Fair Credit Reporting Act ( " FCRA '' ) is a federal statute.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior XXXX XXXX dispute and your response reflects that you will continue to violate my consumer rights by reporting my balance and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
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 a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account with XXXX XXXX XXXX ( Account # : XXXX ) Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related to my account with XXXX XXXX XXXXXXXX XXXX Account # : XXXX ). Despite my previous disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Experian has failed to correct the inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws.

FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputed information and ensure the accuracy of consumer credit reports. The failure to address these inaccuracies in my file violates this provision.

TILA Violations According to the Truth in Lending Act ( TILA ), creditors are required to provide accurate disclosures. The late payment reporting for XX/XX/XXXX and XX/XX/XXXX contradicts the provided payment history, where I made timely payments as evidenced by my bank statements. 
PAANL Violations The Protection Against Non-Payment of Obligations Act ( PAANL ) reinforces the necessity for accurate and timely statement disclosures, which has not been adhered to in this case. 
Discrepancies The following discrepancies have been identified : Date of Last Verified : Experian has failed to provide a last verified date for this account, leaving it blank.

Date of Last Activity : Reported as XX/XX/XXXX, which is inconsistent with my records indicating activity in XX/XX/XXXX. 
Late Payment Reporting : Incorrectly marked as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 
Two-Year Payment History The reported payment history does not align with the actual records. The incorrect 30-day late notations for XX/XX/XXXX and XX/XX/XXXX must be corrected immediately. 
Desired Resolution I am formally requesting : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the corrections made to my credit report. 
If this matter is not resolved promptly, I will escalate my complaint to additional regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 
Enclosed, please find the supporting documentation, including bank statements and prior correspondence. I trust that you will address this matter with urgency. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

i received two text message alerts from Chase that state : CHASE Mobile Alert We need to inform you that your account has been temporarily restricted due to security measures and theres information required to verify the ownership of the account. it then lists a XXXX  url that i have NOT clicked on. i do not have a chase account. the phone numbers that the messages came from were : XXXX XXXX XXXX
Product: Debt collection

This unknown company is claiming that I owe {$930.00}. I have NOT received any written statements regarding a medical debt as such from this company. Ability Recovery service has also added this to my credit file. I am concerned about where my information came from and there will be an investigation regarding any HIPPA privacy laws that were violated. This company needs to delete this from my credit file because they have NEVER contacted me with the validity of an alleged debt.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquires, and I want them removed I did not authorize them
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions had caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

Went to a after hour and purchase a fish dinner for {$12.00}, the waitress never came back with my credit card and I had to get another waitress to hunt her down to get my credit card back because I became worried. She came back to my table with other receipts that were not mine and said she was sorry would return with the right receipt, later she gave me my right receipt which was in the amount of {$12.00}, I ask her did she cancel out the wrong amounts, and she said yes, I asked her for my copy and she said she did not have one for me to sign but would write her name on my receipt and the amounts and, if I had any problems. The next day I was charge {$35.00} and XXXX for purchases I did not make. File a dispute with Chase bank and Chase customers service representatives refuse to give me credit for the {$39.00} and insist on crediting me the {$4.00} only because credit was given for {$35.00}, but their were XXXX unauthorized charges I only sign for the {$12.00} which I did purchase.In total charges were {$74.00} charge to my credit card, Chase still owe me {$35.00} minus the {$4.00} given already as a credit. I want my refund immediately credit to my account. I do have the receipt the waitress gave me with her name on it.
Product: Credit card or prepaid card

Received credit card from Chime in mail that I never applied for.
Product: Mortgage

see attached. 

This homeowner purchased this home in XX/XX/2001. The home has been in forclosure. on what appears to be on a yearly bases. There is documentation on this home that this consumer has its to large to forward by this process. 

Consumer has Proof of Claims on the property.