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

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be a result of a data breach, fraud, or unauthorized actions, and I request that they be thoroughly investigated. Additionally, I demand verifiable proof of any such inquiries, including documentation bearing my signature or electronic signature.

Please note that I am sending this letter on my behalf, not through a third party. I ask that you review it carefully. I never authorized the actions in question, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( Block of information resulting from a data breach or fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ].

I have already contacted the relevant companies and found that these actions were initiated without any valid proof or proper compliance. These accounts and inquiries are inaccurate and unauthorized, which leads me to believe they are the result of a data breach or the improper reporting of my information by creditors or a third-party data furnisher. 

I expect these fraudulent entries to be removed from my credit report immediately, in accordance with the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. Can you review the documents? Certain accounts listed are inaccurately reported. Compensation of {$1000.00} is due for each such inaccuracy on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report that there is an account in collections with XXXX XXXX, account # XXXX. I requested that I would like some type of verification for the supposed debt that was bearing my signature, and I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
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 has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A SECTION 2 IT ALSO STATES A CONSUMER reporting agency can not furnish an 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 and other adverse items of information, other than records of convictions of crimes which antedates the report by more then 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

I am writing to request that you update my address on my credit report. I would like to include the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Additionally, I would like to request that you remove all other addresses from my report as they are not accurate or deliverable to me by the U.S Post Office. 

As you know, accurate and up-to-date information is crucial for my financial well-being, and I am committed to ensuring that my credit report reflects this. The address I am providing is my current and deliverable address, and I request that you update my credit report accordingly. 

Furthermore, I request that you remove all other addresses from my report that are not accurate or deliverable. This will ensure that my credit report is free from errors and up-to-date, which will help me in managing my credit and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

I see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Remove fraudulent accounts from my credit report.
Product: Debt collection

I received 10 calls in one day with a total of 12 calls. Two were XX/XX/XXXX and 10 on XX/XX/2023. I called the representative back at one main asking for a corporate number to discuss. She informed me that the system was on auto dial and shows she only called once on her end at XXXXXXXX XXXX. I informed her of my concerns and they need to have this checked since the auto dial called multiple times and I let her know I would be submitting a complaint. At this time, I would like all correspondents going forward to be by mail only. I am no longer to be contacted by phone as this is intrusive and during my work hours.
Product: Debt collection

I filed a complaint with the CFPB complaint I.D . XXXX beginning of XX/XX/XXXX about Waypoint and RPM trying to collect without verifying debt. The CFPB reached to them and their response was the account was returned back to creditor. On XX/XX/XXXX I receive another letter from Waypoint still trying to collect after stating they closed the file. I received an email stating the complaint was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these inaccurate accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to update their records on my credit file. I disputed inaccurate information which was listed by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX claimed I was 30 days past due XX/XX/21. I contacted the furnisher & they informed me this was an internal error on XXXX 's side & I was never late during that time. XXXX informed me they had notified all credit reporting agencies to update their records showing the account was open/never late. I disputed the erroneous information with Experian and they have failed to update their records or provide me with verifiable proof I was late on XX/XX/21 in their report. I'd like Experian to be held accountable for complying with FCRA sections 611. I'd also like Experian to be held account for the negligence and willful noncompliance which relate to FCRA section 616 and 617. Please see the account listed below is updated to reflect the correct status. open/never late. XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is on my credit report as of XX/XX/21 Remarks Dispute resolved consumer disagrees Payment Status Past due 30 days Ive never received any communication that this dispute has been resolved. 
Bank of America is reporting that my account has been delinquent during a dispute. 
I disputed this over 90 days ago and have received no communication that it has been resolved in my favor or not. This is breaking the law.
Product: Checking or savings account

I opened an account with Chase Bank on XXXX XXXX, XXXX. I set up direct deposit with my employer, the City of XXXX XXXX, the week of XXXX XXXX. Because of the processing time involved with switching direct deposit accounts, I received a paper paycheck on XXXX XXXX. 

I went to Chase Bank on XXXX XXXX to deposit the check. The teller informed me that the check would be held, but that he could not tell me how long the check would be held for until it was deposited. Thinking that the delay would be at most, two or three days, I deposited the check. 

After I depositing the check, I was told that it would be held until XXXX XXXX. Obviously, holding my paycheck for over a week was both unusual and highly inconvenient for me. I called the customer service line the following day, and I was told that due to the check not verifying, my account had been " restricted ''. 

The representative tried calling my employer to verify that the check had been issued, but could not reach them. When I asked why the check was held in the first place, I was told that it was because my account was new. 

I called again and the representative I spoke to tried to call the issuing bank. I was then told that the issuing bank would not verify that the check would clear over the phone. Because of this, I was told that the check must be held until XXXX XXXX and that I had no recourse, even if my employer verified the check was issued. I was told that the check was held not because it was a new account, but because it could not be verified through the process used for all checks. 

I explained to the representative that the check in question was my paycheck, and that holding it for over a week would make it difficult for me to pay bills I had due, and asked if there was anything I could do to remedy the situation. I was told explicitly that I could n't do anything except wait until the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute some inaccuracies on my credit report. The following items appear to be incorrect and are negatively affecting my credit score : Account Name : XXXX XXXXccount Number : XXXX Reason : This account is wrongly reported as charged off with an outstanding balance, and it's causing me a lot of stress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. I don't agree with your investigation results and kindly ask for the evidence or for this negative information to be deleted. This situation is really affecting me. 

Account XXXX : XXXX Account XXXX : XXXX Reason : The current payment status of 60 days past due is incorrect, as the balance on this account is {$0.00}. I dont agree with the results of your investigation, and its causing me a lot of distress. Please send me the proof of your investigation and evidence of the negative payment status for this account or kindly remove the negative information. This situation is really affecting me, and I desperately need it to be resolved. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I dont agree with the results of your investigation, and this is causing me a lot of stress. Please send proof of your investigation and the negative payment status or remove the negative information. This situation is deeply troubling for me. 
Account Name : XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector, and it's causing me a lot of stress. Please provide proof from the original creditor that they own the debt and have the right to collect it or remove this account. I dont agree with your investigation results, and this is really affecting me. Please send proof or delete the account. 

Account Name : XXXX Account XXXX : XXXX Reason : Ive never had a contract with this debt collector, and it's causing me a lot of stress. Please provide proof from the original creditor that they own the debt and have the right to collect it or remove this account. I dont agree with your investigation results, and this is really affecting me. Please send proof or delete the account. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These items are either reported incorrectly or have already been addressed, and I ask that they be carefully reviewed and corrected. I have reached out to both the credit reporting agency and the data furnisher, but the issue has not yet been resolved. Attached are supporting documents, including screenshots of my credit report, which highlight the inaccuracies and back up my claim. I kindly request that this matter be investigated as soon as possible, and that my credit report be updated to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a letter I sent XX/XX/28 certified receipt # XXXX. Pertaining to XXXX accountXXXX. I informed Experian that this account was illegally reported on my report and that I disputed XXXX and never got a reply. I disputed it with Experian and I received a response that the account was updated when it shouldve been deleted. All other bureaus have removed except Experian Im asking for removal of account and Ive attached copy of letter I sent to Experian along with their response
Product: Credit reporting, credit repair services, or other personal consumer reports

Yourrecords show that account number XXXX has a balance of {$14000.00}, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered a medical collection account from XXXX XXXX XXXX XXXX XXXX for {$1400.00}, which I do not recognize. I have never received any medical services or billing related to this debt. 

I was never notified of any outstanding balance, nor did I authorize this account. This appears to be incorrectly reported or may be a case of mistaken identity. 

Actions Taken : I have not received any prior communication about this debt. 
I attempted to verify its legitimacy but found no records related to it. 
I am disputing this account as inaccurate and unverifiable. 
Requested Resolution : Provide full validation of this debt, including itemized statements and proof of responsibility. 
Explain the method of verification used to confirm this accounts accuracy. 
Remove this account from my credit report if it can not be properly verified. 
Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and expect a response within XXXX days. 

Thank you for addressing this issue promptly.
Product: Credit reporting or other personal consumer reports

Experian is reporting several inquiries that are not correct. I did not give the lender or Experian to release my personal information to these companies furthermore they provided me with no service or explanation as to why they requested my consumer report. Experian is violating my rights as a consumer because I have a right to privacy and releasing this information violated my privacy. Provide the documents used to verify this information do not respond with a generic response because I will sue. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices.you need to cease and desist all collection efforts Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the following inquiies 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

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account name : 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 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 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 infor mation 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: Debt collection

Fidelity Creditor Service ( Original company- XXXX XXXX ) has been reporting this false account on my credit report since XX/XX/2019. I have made several attempts to prove that this is not my. This collection account is a result of identity theft, and despite my diligent efforts to rectify the situation, the issue persists, causing significant financial harm. 

Identity theft Incident Details : Date of Identity Theft Incident : XX/XX/2019 Nature of Identity Theft : Opening an apartment in my name without my knowledge or consent. 

Description of the Problem : As mentioned, I have never had any prior dealings with XXXX XXXX, nor have I ever lived in any apartment associated with them. I first became aware of this identity theft issue when I noticed the collection account on my credit report, which was reported by Fidelity Creditor Services. Immediately upon discovering this discrepancy, I took the following actions : Contacted XXXX XXXX  and Fidelity Creditor Service. I have called several times, sent multiple letters, and sent multiple emails explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, I have been ignored and nobody has yet to provide any proof of such an agreement. 

I have disputed with Credit Bureaus : I promptly contacted XXXX, XXXX, and XXXX to dispute the fraudulent collection account. XXXX and XXXX have taken the appropriate steps to remove the inaccurate information from my credit report. However, XXXX has not yet rectified the issue, and the collection account continues to impact my XXXX XXXX adversely. 

I have Filed a Police Report : In light of the identity theft incident, I filed a police report with my local law enforcement agency, and I have attached a copy of the report for your reference. 

Identity Theft Affidavit : I also completed the Identity Theft Affidavit provided by the Federal Trade Commission ( FTC ), which is enclosed herewith. 

Despite these actions, the unjust collection continues to linger on my XXXX credit report, casting a shadow on my financial reputation and hindering my ability to access credit and other essential services. I have followed all necessary steps to demonstrate that this debt is not mine and that I am a victim of identity theft, but my efforts have yet to yield a satisfactory resolution. 

Request for Intervention : In light of the circumstances mentioned above, I request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Fidelity Creditor Service for their unjust reporting of the collection account on my credit report. Additionally, I kindly request your assistance in ensuring the immediate removal of the collection from my XXXX credit report, which will restore the accuracy and integrity of my credit history.