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

Dear CFPB, I am filling a complaint regarding unresolved issues with my credit report. 
On XX/XX/2024, I submitted a formal dispute to the credit bureaus addressing numerous inaccuracies and unauthorized inquiries. Despite 31 days passing i have yet to receive any acknowledgment or resolution, These inaccuracies, including falsely reported collections, have led to service denials and increased interest rates, impacting my financial well being and my ability to secure essential funding for me, my business and life goals. Despite multiple attempts to dispute these items, i have no received adequate verification. And I will also mention that the items listed negatively that i am disputing are falsely reporting. 

According to section 611 ( a ) of the FCRA, the credit reporting bureaus are require to address the disputes within 30 days. Since this has not occured, I am demanding the immediate removal of the inaccurate items from my credit report. 

The failure of the credit bureaus to respond promptly has caused significant harm as well as their falsely reporting of information. I am prepared to purse legal action if the issue remains unsolved. 

Thank you for addressing this matter promptly. 

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

This was my sixth and a follow up complaint to the Experian and XXXX Credit Bureaus with the assistance of CFPB informing the 2 CRAs that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. And per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are are required to block and remove any items not later than 4 business days. Ive already included the identity theft report in my previous letters & I am including it again. Also, the details you provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This is to notify them if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful noncompliance.
Product: Credit card or prepaid card

Kohls advertises 25 % off your first purchase when you apply and are approved for their credit card. I applied and was approved which I only did to get the discount on a pair of XXXX XXXX XXXX.  However when I went to make my first purchase and get my promised 25 % discount I was told that item was excluded??? because it was a special item. I spoke to store manager first and said I did not see that on the big 25 % off advertising to entice me to apply ... I asked for corporate contact number which she nicely gave me. I spent today contacting them and was told about this exclusive brand and how the manufacturer didnt allow the discount?? I said they ( Kohls ) could do the right thing and credit my account to keep a customer happy because they are the ones advertising their credit card with the discount. I feel it was false advertising. I could have used my XXXX XXXX credit card and earned miles instead of wasting a hit on my credit report for basically nothing. I did not get my discount because it is only a discount on selected items not anything you buy. That should be in BIG letters right beside the 25 % off of YOUR first purchase!!! Complete false advertising!
Product: Debt collection

Collection agency national credit system Couldnt verify the amount and reason owed when call landlord XXXX XXXX XXXX  directly couldnt confirm anything due to new landlord XX/XX/2019
Product: Credit card or prepaid card

In XX/XX/XXXX, I discovered my identity had been stolen and the account was fraudulently opened in my name. Initial fraud alert was placed in XX/XX/XXXX and my dispute was declined and I was not notified. I discovered an error on my credit report in XX/XX/XXXX with incorrect name and discovered it was the fraudulent Bank of America account that had been compromised. An individual in Kentucky had changed to a false name and charged the account over {$200.00}. I disputed again. The account was removed from my credit report, but the fraudulent name continued to appear. I received confirmation that the account was removed. I reported a third time in XX/XX/XXXX after continuing to receive statement from Bank of America for false name. The false name continues to show on my report and I have not been able to remove that name from my social security number due to Bank of Americas uncooperative actions.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally lodge a XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened my account earlier in 2024 for my business with Bank of America. I barely used the account for any transactions the whole year. I only had deposits going to this specific account. I checked back and seen a large amount of money was missing. Over XXXX to be exact. When I tried to get this resolved I was told that the vendor who I never did business with sent BOA proof that I have a contract with the so called Vendor so my claimed was denied. I called said vendor and was told nothing in their system had my name associated with said account. I called BOA to tell them what was told to me because I know i never did business with that vendor and my complaint was again denied with no proof. This is a very difficult time for me and to be railroaded in this situation with no proof is not right. Further more BOA credited my account twice with funds that were taking from the vendor after my initial complaint. This is why i dont know why if you credited my account for the same vendor who stole my funds, why cant they refund the rest of the money that was stolen?
Product: Credit reporting or other personal consumer reports

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit report. 

Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

This information was originally request in XXXX of 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX college scheme and i was enrolled at the time of its closure. All my my loans were discharged and should be due to not completing the program due to its closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring services and was alerted an address i did not recongnize was on my credit report. I immediately tried to dispute the address with XXXX but i was told i could not do so becaise Chime/XXXX reported the address. I then immediately contact Chime to advise this was not my address and i did not know where the address came from. I was told by Chime my address was updated and would be changed on XX/XX/XXXX as it takes 30 days for the information to update. Its been over 2 months and the info has not been corrected. I have made multiple attempts with both XXXX and Chime and getting nothing but the run around. I am asking for this informtion to be corrected on my report immdediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ), I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. 

Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed my consumer report and I became aware that this company is furnishing Incorrect information on my consumer report across the 3 major credit reporting agencies. This information is not 100 % accurate across all three and this account must be removed due to its inaccuracy. It is to my understanding that pursuant to 15 USC 1681 ( a ) 1 that the banking system is dependent upon fair and accurate credit reporting and this inaccuracy directly impairs 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. ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report at XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.
Product: Credit reporting or other personal consumer reports

Under the stipulation of 15 US code 1681i ( 6 ) ( B ) ( III ), it is mandated that consumer reporting agencies ( namely XXXX, Equifax, and XXXX ) are required to furnish a written notification to a consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted durning the verification process along with their contact number. over 30 days ago i solicited documentation to substaniate this account yet I have received no such documentation, without legitiment poof or backing these accounts, it has no basis to be included in my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked to request for the alleged debt on XX/XX/2022, its been over a month and I still haven't received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was created fraudently. And now I have 7 late payments reported on my credit report. This loan should of never been created do to all the fraudent that had happened to get approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like XXXX being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX XXXX. The late payments are : XX/XX/2022 - XX/XX/2022 ( XXXX day late payments ) Per USC CODE 1666B " A creditor may not treat a payment on a loan account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I am a victim of identity theft.
Product: Credit card or prepaid card

I applied for a Credit Card from Best Buy Citi Bank. I was approved and purchased a lap top for {$1000.00}. However when my card arrived with a letter and reference number : I called as instructed and Citi Bank could not verify my identify. I gave them my social security number, Home address and phone numbers and nothing was done to allow me to use the card. I tried to use it at a Best Buy and the Clerk informed that the card was not allowed to be used. When I called the agent ; the agent could not get a Supervisor to assist me with the issue and then could not even assist me or informed me what was wrong with my card. This is unacceptable I called customer service and was able to pay off my balance because I could not deal with their inability to perform a simple verification either by text verification or email.
Product: Credit reporting or other personal consumer reports

There are things on my report that are inaccurate, put in public with out my permission and knowledge. Violating my rights. 
Violated 15 USC 1681A Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX! 
The regulation requires a financial institution to disclose its policies and practices for protecting the confidentiality, security, and integrity of nonpublic personal information about consumers ( whether or not they are customers ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the following items removoced from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$170.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$2600.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} ( XXXX XXXX XXXXXXXX ) XXXX - XXXX - {$0.00} ( XXXX ) XXXX XXXX XXXXXXXX - {$1600.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX  XXXX - {$890.00} ( XXXX ) Personal Information Name : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX
Product: Debt collection

Subject : Complaint Regarding Cavalry Portfolio Services, Cavalry SPV I, LLC, and XXXX Reference Partial Acct # : XXXX Dear CFPB Representative, I am writing to file a formal complaint regarding Cavalry Portfolio Services, Cavalry SPV I, LLC, and XXXX due to their failure to validate and accurately report information related to a debt allegedly belonging to me. 

Despite my multiple requests for validation of the debt, neither Cavalry Portfolio Services nor XXXX has provided sufficient evidence to confirm that the debt in question is mine. Specifically, Cavalry Portfolio Services has not produced any documents or contracts bearing my signature that would bind me to the alleged debt. This lack of documentation is in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Furthermore, Cavalry Portfolio Services sent me a Memorandum of Costs After Judgment ( Form MC-012 ) in their correspondence. This letter has only heightened my concerns, as it does not include any substantive validation of the debt but instead appears to pressure me into accepting liability for a debt I do not recognize. 

In addition, I have previously submitted a report to the Federal Trade Commission ( FTC ) regarding a claim of identity theft and potential fraudulent activity. This matter raises further questions about the validity of the debt being attributed to me and the integrity of the reporting process. 

I am requesting that the CFPB take action to address this issue by contacting both XXXX and Cavalry SPV I, LLC regarding the inaccurate information currently being reported to all three credit bureaus. Given the lack of sufficient validation and the possibility of identity theft or fraud, I am asking that this debt be erased from my credit reports entirely. 

I trust the CFPB to ensure that my rights as a consumer are upheld and that proper investigative measures are taken to resolve this matter. Please do not hesitate to contact me if you require additional information or documentation to support this complaint. 

Thank you for your attention to this important matter.