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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX [ XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : URGENT Dispute of Inaccurate Accounts Demand for Permanent Removal Dear Credit Bureau Representative, I am writing under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally dispute and demand the permanent removal of inaccurate, outdated, or unverifiable accounts appearing on my credit report. 
Upon recent review of my credit file, I have identified the following accounts that are either inaccurate, unverifiable, or legally unenforceable. I request immediate investigation and deletion of these accounts within XXXX ( XXXX ) days as required by law when items can not be verified. 

Disputed Accounts : [ XXXX XXXX  ] Legal Basis for Removal : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Reinvestigate You are required to conduct a proper and thorough investigation of disputed accounts. If you fail to verify the accuracy of the accounts within the legally prescribed timeframe, they must be permanently deleted.

15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Reporting inaccurate, incomplete, or outdated information violates the FCRA. Any unverified information must be removed immediately.

15 U.S.C. 1681c ( a ) Obsolete Information If any of these accounts are past the seven-year reporting limit ( or XXXX years for bankruptcies ), they must be permanently deleted under federal law. 
Recent Settlements & Legal Precedent Given the recent legal actions and settlements against Equifax and XXXX regarding inaccurate credit reporting, I demand strict compliance with the law. Continued reporting of unverifiable accounts will constitute willful noncompliance under 15 U.S.C. 1681n, making you liable for statutory and punitive damages.

Action Required : IMMEDIATE removal of the disputed accounts if they can not be 100 % verified. 
Provide me with an updated credit report showing the deletions. 
Send written confirmation that these accounts have been removed. 
Failure to comply with these demands will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action for willful violations of the FCRA. 
I expect a written response within XXXX ( XXXX ) days of receiving this letter, as legally required for disputes involving unverified or inaccurate accounts. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy and 15 U.S. Code 1681e ( b ) - Compliance Procedures to Assure Maximum Possible Accuracy of the Information. 

Upon reviewing my credit report, I identified an account that may be inaccurately reported. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. 

In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX. 

I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX. I do not remember working with XXXX XXXX. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is  showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States liave 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. Tothis day over 30 days later I have not received a response yet. I feel like I'm being taken advantage ofand being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these itemswithin 30 days gives a reason to immediately remove those items from my credit report and it has beenover 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately orI will file for litigation due to the stress caused on me. My information was also impacted by theXXXX XXXX XXXX and may have gotten into the hands of the wrong person ( XXXX ).
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.
Product: Prepaid card

My XXXXXXXX XXXX  father purchased me a {$100.00} Vanilla debit Visa gift card for XXXX in XXXX of XXXX On XX/XX/XXXX at around XXXX XXXX My father and I went to XXXX in XXXX West Virginia to get a dog crate for my puppy. I was planning on using my gift card for it. The crate was on sale for {$60.00}. I went to check out and tried using my Vanilla Card. The clerk tried two or three times and said it was declined.

I then walked back and got on the phone to call and activate my card or see what the issue was. I could not get ahold of a human being to talk to and it was all automated. When I followed the phone tree and prompts, it just disconnected me. I could not use the card. So, my dad gave me his debit and used that to purchase the dog crate. 
When I came home, I called the Vanilla number again and it listed that I used my card for the {$60.00} at XXXX to buy the crate. This was false, so I, again, tried getting hold of a person to discuss my issue. I could not get ahold of a person, so I followed the prompts to dispute my transaction. 
Now, as this is being investigated, I can not get in touch from anyone from Vanilla to discuss anything about this. My card is locked and I can not use it.

I am very disappointed and want to use my {$100.00}. There is no one person that I can talk to. The number just says my card is deactivated because they are investigating the dispute. It is a {$60.00} charge that I did not use at XXXX. 
I want my Card activated so that I can use it and I want to talk to a human being, not a phone tree.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered ongoing unauthorized inquiries. Despite my prior communication with XXXX and TransUnion requesting a reinvestigation, regrettably, the matter remains unresolved to date. 

XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to Transworld to inform them that the account that they are reporting under my social is a result of identity theft. Transworld informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the 3 Credit Bureaus , a credit reporting agency that has reported new collection accounts, late closures, charge-offs, repossession and inaccurate personal information entries on my credit report. I believe the account 's information is inaccurate or unfair, such as incorrect account statuses, wrong dates, or any other discrepancies. I had attached copies of supporting documents that support my claim that the reported account information is inaccurate or unfair. These documents may include payment records, correspondence with the creditors, repossession records, and any other relevant evidence. I have previously disputed these inaccuracies with the credit reporting agency or the creditors. I believe that the inaccuracies and unfair account 's information on my credit report are causing significant harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The following fraudulent accounts and inaccurate personal information in question and needs to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.
Product: Vehicle loan or lease

I have made attempts to contact them to notify them that this debt was being reported on my credit report and that it didnt belong to me. I have disputed it with XXXX, XXXX XXXX and XXXX and this company is reporting falsely. My confirmation number for my disputes are XXXX .I explained I may be a victim of identity theft however they are still reporting negative. I do not owe this debt and if they find me in error Id like a contract bearing my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.
Product: Checking or savings account

I have a XXXX savings account that I have had active for the past several years. I would like to see if I am a consumer that is eligible for the capital one $ XXXX lawsuit that is for consumers who have or have had XXXX savings accounts? Can someone please advise me and check my account to see if I am elegible?
Product: Checking or savings account

On XX/XX/XXXX, I move to XXXX XXXX as my marriage is being dissolved. 
On XX/XX/XXXX, the house sells. 
On XX/XX/XXXX, I opened a Money Market account to hold my portion of the proceeds from the sale of my home and transfer money from my checking acct to the new account as a security measure. 
On XX/XX/XXXX, I transfer XXXX from the new account to the checking account for the initial deposit as I open an account in XXXX XXXX with XXXX. 
Within an hour, my Money Market account is frozen and I am locked out. 
Since XX/XX/XXXX, I have called to inquire about my account access. The issue has been escalated half a dozen times and I am told someone from the back office or XXXX will contact me. 
Today is XX/XX/XXXX, and I still have to hear from someone who can address this. Including the assigned XXXX banker named XXXX XXXX as I have been told. 
All I ask is to be given the chance to prove that I am who owns this account and the transactions have been legit.
Product: Credit reporting or other personal consumer reports

I am attaching materials confirming the continuing unlawful omission of my suffix and variation of my name and address. Each of the attached items arrived after I initiated my complaints. 

An identity theft report ( XXXX XXXX ) is currently pending with my local enforcement office ( concerning XXXX activity and recent omission of my suffix ). Failures to correct my name and address ( as previously requested ) could easily impede the investigation of the aforementioned report by local and/or state law enforcement. 

I have filed multiple reports seeking the correction of my name and address. Although this is a purely ministerial request, the attached materials ( transmitted via USPS ), however, suggest an almost comical, concerted effort to do otherwise. 

What may seem comical to XXXX, XXXX, Experian, and/or others, however, XXXX be criminal in the eyes of state and local law enforcement, so I need to alert the CFPB to the attached. 

In an abundance of caution, I am also attaching a report revealing a mistaken date of birth. Although I was conceived in XXXX, I was born in XXXX. Alerting the CFPB to this report seemed the easiest was to eliminate any Date Of XXXX ( XXXX ) XXXX constructs relying on the attached or similar documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inquiries that were checked in XXXX and XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.
Product: Debt collection

for the past 15 years someone has been opening up accounts in my name in the past 4 years there has been XXXX bank accounts open in my name with old and different address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

showing fcra violation inaccurate information reported to the ftc please correct it or remove the violations it's the law in America
Product: Mortgage

On XX/XX/XXXX, I tried to log into my www.myloancare.com to pay my XXXX mortgage payment. That entire week ( XXXX ) the website said my password wasn't working and that it would email me a temporary password. Those emails never came, I was stuck. I called their customer service # and input my ssn & zip code as instructed. Then a message came on to call between XXXX and XXXX ( which I was ) and then it would hang up on me. I had been trying all last week to get logged in to the website too ( XX/XX/XXXX - XX/XX/XXXX ). There was nothing I could do! 

After being frustrated and getting a Payment Reminder Notice from them in the mail today ( XX/XX/XXXX ). I tried to log on to the website again. And today, it worked! With my original password & ID that hadn't worked for the last 2 weeks. I was able to finally make my XXXX mortgage payment today. 

I still can not get anyone on the phone and I've tried several times to send an email on their website. The website email open a blank window that never loads. They are charging me {$63.00} in a late fee that was not my fault! I want that late fee refunded. They really should be paying me for the extra time I spent trying to make my mortgage payment for the last 2 weeks!!!! I want to switch my servicer. Please help me get a refund and get a new servicer. I also want to discuss getting my FHA Mortgage Insurance canceled as my home to loan ratio is now about 75 % but I can not get in touch with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX and included a debt that is now with a collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to remove the account or update as included in my Chapter XXXX Debt. I provided Experian with the Chapter XXXX Information but they refuse to remove or correct the information on my credit file. My trustee confirmed that the original creditor, XXXX XXXX, has received ( 2 ) payments. XXXX XXXX received {$26.00} XX/XX/XXXX and {$23.00} on XX/XX/XXXX. These amounts are not be reflected on my credit report. Experian is allowing XXXX XXXX XXXX to report a past due balance, missing payments, and late payments.
Product: Debt collection

On XX/XX/XXXX with out my permission Pressler & Pressler Did a inquiry on my Credit Report which i have NEVER given Lawyer : XXXX XXXX XXXX permission to do and above all thing subpoena me to court now USING ( XXXX XXXX AKA XXXX XXXX ) Directly from my credit report.. my maiden name ( XXXX ) was NOT used in any Documents @ XXXX XXXX XXXX Never have been been asked NEVER!! Beings that that was taken from my credit report and used by Pressler & Pressler Attorney XXXX with a court notice to appear on XX/XX/XXXX @ XXXX XXXX.. I 've heard it said that it 's illegal to obtain credit report and use against a person and with out consent as well!! WOW SERIOUSLY!! that i have put this in writing NO ONE HAS NOTHING TO SAY .... to whom and why was my credit report used against me in this court documents filed by this attorney and who gave them permission to pull my credit report to begin with cause i sure did NOT and above all to use it against me in the court of law .. It 's humiliating and very bothering to me on how they treat me and i very POOR, XXXX and trying to do as best as i can.. On XX/XX/XXXX After 8 calls from Pressler & Pressler .. I even gave them {$200.00} off my Pre-Paid Card i had to buy my food for the month so all the calls can STOP!!!
I REALLY WANT PRESSLER & PRESSELER TO KNOW THEY CANT JUST RUN MY CREDIT REPORT WITH OUT MY PERMISSION THAT IS NOT RIGHT AT ALL!! i am willing to work with this collection company to work off the outstanding bill owned to XXXX XXXX XXXX but lord do n't make me starve and take over my credit report without my permission please STOP THIS MESS PLEASE and all that was all unnecessary stuff that is not caused for .. I 'm only human!!! After me talking to the Rep now come to find out cause i made the {$200.00} payment over the phone NO ONE FROM PRESSLER & PRESSLER will be coming to court on XX/XX/XXXX @ XXXX BUT i still need to be there cause i sign a notice @ my door when i was served @ HOME with notice to appear.. The Courts via certified mail .. THIS IS ALL UNFAIR REALLY UNFAIR TO ME ....