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

This is an attempt to correct my XXXX, Experian, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed Experian a dispute letter regarding inaccurate accounts listed on my credit report and Experian did not respond. This is my 2nd attempt.

I received a copy of my credit report and the items listed below show status as debt included in or discharged through bankruptcy XXXX XXXX XXXX or XXXX. How is that possible and there is no public record such as a bankruptcy listed on my credit file. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted because they are reporting inaccurate information.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX CARD Account Number : XXXX DELETE this account in the Credit Report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX Account Number : XXXX DELETE this account in the Credit Report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX DELETE this account in the Credit Report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX DELETE this account in the Credit Report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXXXXXX Account Number : XXXX DELETE this account in the Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file chapter XXXX bankruptcy in XX/XX/2019, as a result my loan account with money lion was closed as of XX/XX/2019. Company refuses to acknowledge that this account was included in filing of Chapter XXXX and continues to report the account as open on my Credit reports and they still attempt to collect on this account. I have contacted them directly to no avail I have written letters, filed disputes with the credit Bureaus and they keep reporting the false information as accurate even though when I view my account status it is showing as closed-paid in full. They also refuse to notate the account as included in Chapter XXXX.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXXXXXX XXXX XXXX XXXX
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, Experian, 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, Dpt Treasury Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$200.00}, US Dept of the Treas Account # XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX. XXXX, XXXX Account # XXXX XX/XX/XXXX bal. {$160.00}. Inquiries : XXXX XXXX XXXX XXXX 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 # ( XXXX ) 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, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT EDXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The Client CalledXX/XX/XXXX spoke with XXXX Employee # XXXX to explain payment was made on time and accepted by loancare, but the funds were not applied to the loan resulting in 30day past due notice. 
Was told to send email with proof of payment for XX/XX/XXXX via trace number to email address XXXX XXXXor loan # XXXX ... XXXX. 
Response from LoanCare XX/XX/XXXX Reference number : XXXX ... 4X Please use this ticket number in any correspondence with us. 
Subject : Loan # XXXX ... 7 proof of payment trace number XXXX ... XX/XX/XXXX Dear Valued Customer, Thank you for contacting us. 
To research this request we would need a copy of the cashed check front & back, or the electronic transmittal form from your bank. 

The Client provided Bank Fax with payment information on XX/XX/XXXX. 
There was not a response from Loancare. 
In a call to follow up on XX/XX/XXXX, the company claimed the ticket was closed for insufficient evidence by XX/XX/XXXX. 
This seems like an unreasonable short window to provide requested feedback. 
The company, myloancare, did not reopen the ticket to continue research when requested. 
The company did not take measures to communicate properly with the client. 
The company mis-represented delinquency while accepting money. 
The company using email correspondence, and left mailing address as response in to research file # XXXX ... 4X The company mailed paperwork on XX/XX/XXXX citing lack of response from the client, and inability to contact the client. 
The company did not respond to client inputs via email or phone inquiry Client sent another email request on XX/XX/XXXX.The email was sent via the online Loancare email customer service request on website. The Client included a PDF attachment in that email. 

There was no response from Loancare as of XX/XX/XXXX. 
The PDF contains the entire written trail of events and correspondence between XX/XX/XXXX and XX/XX/XXXX The Client issued a complaint via CFPB on XX/XX/XXXX. The PDF with written trail of events was uploaded to the complaint made at CFPB on XX/XX/XXXX, citing lack of communication in light of objective evidence and written response request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report. I have recently reviewed my credit report, and I noticed several inquiries that do not reflect my current credit activity accurately. I kindly request your assistance in deleting these inquiries from my credit report for good. Below, I have provided the necessary details regarding the inquiries that I would like to be removed : 1. Inquiry Dates : [ XXXX ] [ XXXXXXXX  [ XXXX ] understand that inquiries may remain on my credit report for a certain period of time, typically two years. However, I believe these inquiries were made without my consent or knowledge. Therefore, I kindly request that you investigate the legitimacy of these inquiries and remove them from my credit report permanently. As a responsible and diligent consumer, I have always strived to maintain a good credit history, and inaccurate inquiries can have a negative impact on my creditworthiness. I have attached copies of supporting documents, such as bank statements or correspondence, to prove that I did not authorize these inquiries. 1 kindly ask you to initiate an investigation into these inquiries and take the necessary steps to ensure their deletion from my credit report. Additionally, I request tha provide me with a written confirmation once the inquiries have been removed. Please note that according to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure the accuracy and fairness of the information contained in credit reports. I appreciate your attention to this matter and your commitment to upholding the FCRA guidelines. 1 would like to express my gratitude for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this issue. Thank you for your cooperation. Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting

I have got a lot things on my report that are not mine my identity was stolen years ago and I disputed the items they were removed and returned i tried to dispute them again and now it tells me that I do n't have a credit file i sent copies of bills drivers license social security card a now i am lost please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

I have also reached out to all companies listed for validation of account and have yet to receive any response and it has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX 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

This account was paid in full and has XXXX balance. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened credit cards with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX. 

I notified XXXX XXXX  that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX  has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life.
Product: Debt collection

On XX/XX/year> the Columbia/Genesis Debt collection agency called my mother and told her that they couldnt get in contact with me, then told her the balance I owed and what it was for. Im XXXX years old, so Im not sure why they would call my family about my payments. I do make my payments, slowly but surely. I made a payment that day. I was working when my mom initially texted me about it before she called and told me about the call she had with them. I was working when Genesis blew up my phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Legal Department Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. Im deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.
Product: Debt collection

I am writing to formally dispute certain items on my credit report that, upon review, lack sufficient information to validate the associated debts. The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The following accounts are of concern, as the provided details are inadequate for proper validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

I am writing to request validation of a debt that your agency is attempting to collect from me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), 15 U.S.C. 1692g, I am entitled to receive verification of the debt you claim I owe.

Please provide the following information regarding the alleged debt : 1. The original creditor 's name and contact information.

2. The amount of the debt owed.

3. The date the debt was incurred or the date of the last payment.

4. Purchase agreement showing that you own the debt.

I also request that you provide proof of your authority to collect this debt and that you cease all collection activities until the debt has been validated.

Please note that failure to provide validation of the debt within XXXX  days of receiving this letter will result in my presumption that the debt is not valid, and I will take appropriate legal action to protect my rights under the FDCPA.

Thank you for your prompt attention to this matter. Please send all correspondence regarding this debt to the address listed above. 

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

XXXX XXXX XXXX did not have my authorization to run a credit check and want the check removed from my record and to file a formal complaint against XXXX XXXX XXXX. Experian was their source for inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX (? ) Ph : XXXX Multiple phone messages left been left and have not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is now the SECOND and FINAL time I will be contacting you in order to remove the following UNAUTHORIZED inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The documentation you submitted after my first request is entirely inadequate because it does not show authorization bearing my signature for you to access my credit file. Thus, you have not shown you had obtained Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.You are again instructed to forward any documentation that you believe authorizes you or your organization to make inquiries into my credit report to my address listed above. 
Let me be perfectly clear : I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry.