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

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my dispute letters XX/XX/2020 and I have not received a response back yet. Its been past 60 days and I have not been responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to delete and block these fraudulent accounts immediately : 1.  XXXX /  XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX    3.  XXXX  Accounts
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of certain accounts on my credit report. These accounts were placed in a hardship forbearance agreement with the companies below, and it was explicitly stated by the institution that no negative information would be reported during the agreed period due to my financial hardship. However, my recent credit report reflects negative remarks associated with these accounts, which is both inaccurate and unjust. 
The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure that all information reported is accurate and verifiable. I am providing you this notice to review and investigate these accounts, as they are being reported contrary to the terms agreed upon with the creditor. Specifically, they assured me in writing that during the forbearance period, no delinquent payments, late remarks, or derogatory statuses would be reported. 
It is crucial to note that continued inaccurate reporting constitutes a violation of the FCRA, and failure to address this issue will leave me no choice but to seek all legal remedies available under Sections 616 and 617 of the Act. Additionally, as required by Section 611 ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly corrected or removed from my credit report. 

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 disputed to Transunion about two accounts that is reporting errnous and inaccurate information which is keeping me from buying a home. According to the FCRA an account can not report negative information after seven years. These accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  both accounts are over eight plus years old. I asked Transunion could these accounts be removed. But to no avail they are still reporting and according to my Transunion credit report they are showing that these accounts are over 8 years old even from the date of last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This Matter Is Involving XXXX Loans on my credit report. 
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX On my credit report These XXXX account show that I am current of my payments which is incorrect. Also, on my credit report it states that i started making payments in the year of 2022 which is also incorrect. 

I Contacted the loan issuer directly and was informed that I have never made payments on these XXXX accounts. And That In fact these XXXX loans have never made it out of default. I Was Also Informed that a XXXX XXXX XXXX XXXX XXXXXXXX XXXX has never been set up. I have been provided documents that coincide with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sent TransUnion dispute letters and they are not investigating them. They just sent stall emails ( attached below ) please investigate the dispute attached to this complaint do not send any more stall letters or emails.
Product: Credit card

Opened my credit report and seen the inquiry on my report. I did not authorize this inquiry.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent. CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FCRA section 15 U.S.C. Sec. 1681i the bureaus are suppose to investigate in a timely matter, let me know they are investigating and respond before 30 days. I've sent letter after letter after letter since XXXX and still there's no word from the bureaus. There nothing but inaccuracies all over my report and they are not trying to fix it nor delete. I'm really upset because it's stopping me from doing what I need to do for my family when it comes to credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to request you to remove inaccurate information from my credit report. 15  U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT IVE LISTED ALL FRAUDULENT INQUIRIES ON THE ATTACHED FTC REPORT XXXXPLEASE READ THE FTC REPORT IN DETAILXXXX
Product: Credit reporting

I have advised on several attempts to all XXXX major credit reports the following files do not belong to me and should be removed off my credit file. XXXX XXXX balance XXXX shows charge off and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX {$230.00} was paid prior to collection activity, I have disputed this information for almost a year and they are not cooperating
Product: Debt collection

I had a debt. from a health care company turned over to collections with Transworld Systems Inc. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX  and XXXX   refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX received a copyright notice and copyright infringement notice on XX/XX/2022. They have ignored notice and are in violation of notice. They are also in violation of the following USC law/codes 15 USC 1681 ( a ) ( b ) ( 2 ) ( i ), 15 USC 1681 ( b ), 15 USC 1602 ( l ), 18 USC ( 8 ), 18 USC ( 501 ), 18 USC ( 1341 ) ( 1342 ) ( 1343 ), also UCC 3-302 ( 1 ), UCC 3-305, UCC 3-104 ( b ). If the said companies do not comply immediately I will be forced to take legal actions in civil court.
Product: Mortgage

I contacted Morgan Stanley in XXXX to apply for a 3-month forbearance on my loan # XXXX and they were able to apply a 3-month forbearance on my account. Upon further follow-up on XX/XX/XXXX, I was told that they would provide me with an additional 6-month forbearance so that I would not have a payment due until XX/XX/2021. Unfortunately, the representative gave me the wrong information and actually did not even process the second forbearance request. I followed up on XX/XX/XXXX and was told that the previous representative had misinformed me and that they were only doing an additional 3-month extension. In addition, I was sent a letter that my original forbearance plan had been canceled on XX/XX/XXXX, which was not initiated by me. I wanted an extension not a cancellation. I agreed that I would like to have the additional 3-months applied at that time as they did not give me a 6-month option ; however, it is now XX/XX/XXXX and I still have not received confirmation that the 3-month forbearance extension was applied. I keep receiving notices that I have " DEFAULTED '' on my mortgage obligations but I was told by several Morgan Stanley Home Loan representatives that the non-payments would not be reported on my credit report. I am concerned that Morgan Stanley has reported a default and/or late payment to the credit reporting agencies when they specifically told me they would not be reporting these as late payments and/or any derogatory information.
Product: Credit card or prepaid card

On Monday XXXX XXXX I tried to withdraw {$1000.00} dollars off of my XXXX bank of America prepaid card inside in Bank of America via a Teller and the card was declined stating " insufficient funds '' which false due to the fact that I did indeed have the {$1000.00} on my XXXX Bank Of American prepaid card. I called and spoke to XXXX a bank of America representative through the customer service line and she checked and saw there was a block on my card and she unblocked the card so I could use my funds. On Tuesday XX/XX/XXXX of 2021 I went to a gas station inside with the clerk and I asked for {$7.00} on the pump for gas and my card was declined again I called Bank of America customer service and the representative stated their was a glitch in the system which was causing the card to be blocked and then they unblocked the card the representative stated that someone requested that I was sent out a new card WHICH I HAVE NEVER REQUESTED! and I still wasn't able to use funds. On Thursday XXXX XXXX I went to another Bank XXXX America Location to withdraw {$13.00} which was declined. I called Bank of America customer service the representative stated they had unblocked my card again and couldn't understand why the card was blocked. Today Saturday XXXX XXXX my card is still blocked and I'm still unable to withdraw and/or use my funds I have been speaking to Bank if America representatives all day the representative stated error code pops up while trying to unblock my code and they can see that it's blocked but it has no reason why. And no one can explain why the card keeps going on block.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized hard inquiries on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account number XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

My dad passed away in XXXX 2014. I had all of his mail sent to my home. When I started receiving his bills and debts, I wrote to each company, supplying them with a copy of the death certificate. Every company sent condolences and confirmed that each account had been closed/written off, Except Capitol One. I have received numerous harassing phone calls and letters stating that the balance must be paid ... .which continues to increase due to past due fees and interest. I have talked with many different people, each one apologizing, saying that this issue will be taken care of. I am still getting the letters and the phone calls. I do n't know what else to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX numerous times by mail with return receipt to have these unauthorized inquiries removed : XXXX. XXXX - XX/XX/XXXX -- XXXX XXXX  XX/XX/XXXX -- I've also tried to have them remove these CLOSED ACCOUNTS -- XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX -- XXXX {$2300.00} XX/XX/XXXX -- XXXX {$1400.00} XX/XX/XXXX -- XXXX {$6400.00} XX/XX/XXXX -- XXXX {$9300.00} XX/XX/XXXX. One late payment showing XXXXXXXX XXXX XXXX  XX/XX/XXXX -- I also attached federal laws 15 USC 1681A ( 3 ) -- - 15 USC 1681A ( 4 ) and they STILL haven't removed said items!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want all the hard inquries off my report
Product: Debt collection

Patient : XXXX XXXX MBA Account : XXXX I spoke with the Collection Office of Mitchell D Bluhm & Associates on XX/XX/2022 in response to a dunning letter from the firm dated XXXX XXXX. 

I requested the firm provide validation of the account by furnishing documents with my signature, my agreement to pay, and all other pertinent information to verify the accuracy of the claim as is required FDCPA and FCRA. 
A supervisor who gave her name as XXXX refused to provide the information in writing per my request. 

I advised XXXX that reporting inaccurate and derogatory information to any of the three credit major bureaus without providing validation of the account is a violation of the Act. 
In reviewing my credit report today, I saw that Mitchell Blum had reported the account to the credit bureaus. 

In speaking with XXXX in this regard today ( XXXX ) she refused to provide any verification or validation of the account which is again a violation of the FCRA and FDCPA. 
Reporting inaccurate or unverifiable information to the bureaus is a violation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ XXXX XXXX XXXX XXXXXXXX ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ XXXXXXXX XXXX XXXX XXXXXXXX ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

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

Chime Bank erroneously reporting available credit as recurring balance to credit agencies ( XXXX, XXXX, XXXX ) which has decreased my credit score
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts and Unauthorized Inquiries Due to Identity Theft Dear TransUnion Dispute Department, I am writing to formally dispute unauthorized and fraudulent activity on my TransUnion credit report. I have been a victim of identity theft, which has resulted in XXXX hard inquiries and fraudulent accounts, including those associated with XXXX XXXX XXXX. These items were not authorized by me, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Items : 1. 64 Unauthorized Hard Inquiries These inquiries were not initiated by me and should be removed immediately to prevent further damage to my credit. 
2. Fraudulent Accounts Linked to XXXX XXXX XXXX XXXX XXXX XXXX has written off these debts on their taxes, yet they remain on my credit report, affecting my financial standing. 
I am not responsible for these accounts and demand their deletion. 
3. Other Fraudulent Accounts Due to Identity Theft Any other accounts that were opened in my name without my knowledge or consent must be removed.

Requested Action : Immediate removal of all fraudulent inquiries and accounts.

Block the fraudulent information from reappearing on my credit report.

Investigate and provide confirmation once the fraudulent items have been removed. 

I have attached a copy of my government-issued ID, a police report/identity theft affidavit ( if available ), and any supporting documentation to verify my claim. 

Under federal law, TransUnion is required to investigate my dispute within 30 days and provide a written response. Please send confirmation of this dispute and notify me once these items have been removed. 

Thank you for your prompt attention to this serious matter. I look forward to your response.