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

To whom it may concern : I was looking over my credit report and found some addresses that. 
Appear to be incorrect. I left the XXXX 6 months ago and want to delete all my old addresses in XXXX XXXX XXXX Oklahoma. I enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed, please ) : XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX There should only be one address listed on my report, which Is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate employer as well as listed below : THE XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank You! 

Respectfully, XXXX XXXX
Product: Debt collection

I am filing this formal complaint to bring to your attention the egregious violations committed by XXXX, XXXX, TransUnion, and other credit reporting agencies ( CRAs ) concerning their refusal to validate the accuracy of an alleged debt negatively impacting my credit report. Despite multiple requests made in compliance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., these agencies have failed to produce an original signed agreement or sufficient documentation substantiating the validity of the debt as required by law. 

Violations : Failure to XXXX and XXXX XXXX : XXXX XXXX XXXX. XXXX ( a ), CRAs are obligated to conduct a reasonable reinvestigation of disputed information. My requests for validation included a demand for an original signed agreement to substantiate the debt. Despite this, the agencies have maintained the disputed account on my credit report without providing adequate evidence, violating their statutory duty to ensure accuracy. 

Unlawful Reporting of Inaccurate Information : Section XXXX XXXX XXXXXXXX ( b ) requires CRAs to maintain reasonable procedures to ensure maximum accuracy in consumer reports. Continuing to report unverifiable information contravenes this standard and has materially harmed my creditworthiness. 

Failure to Provide XXXX XXXX : Section XXXXXXXX XXXX XXXXXXXX mandates that CRAs disclose all information in a consumers file upon request. Their refusal to provide the requested signed agreement constitutes a blatant disregard for transparency and consumer rights. 

XXXX  to XXXX as a XXXX : This unresolved dispute has had a profoundly adverse effect on my creditworthiness. As a result of the CRAs actions, I have been unjustly denied access to credit opportunities, which has caused significant financial and reputational harm. Their refusal to provide proper validation has placed undue burden and stress on me, while unjustly maintaining unverifiable information in my credit file. 


Responses ( or lack thereof ) received from these agencies. 
Evidence of the negative impact this issue has had on my financial opportunities. 
The actions of these credit reporting agencies undermine the principles of fairness, accountability, and transparency that the FCRA seeks to uphold. I trust the CFPB will take swift action to rectify these violations and ensure compliance with consumer protection laws. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if additional information is required.
Product: Debt collection

On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus crap is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.
Product: Debt collection

One Main financial secured a personal loan for a large amount and used my car worth {$4000.00} to secure a {$20000.00} personal loan. I fell behind due to a divorce and have been making smaller payments. They call over 10 times a day everyday. It is disrupting my work day and causing me additional stress.
Product: Credit reporting or other personal consumer reports

Experian Finnishing the day as it started with another ridiculous explanation without addressing the issue, To any American reading this Do not trust these customer service rep that can barely speak XXXX and have absolutely no power to do anything but say ESCALATION which mean absolutely nothing, you can its SEE I AM NOT A PRIORITY or care that I have filed over 500 complaints on this fraudulent crooked company and there best computer generated response does absolutely nothing to address the issue and the only other thing they have done is have a XXXX XXXX  speaking customer service rep named XXXX who has no power to do any but call and harass me and her calling is a ploy by experian to show contact so they can say too the federal government is that they are incontact and workig with you when there doing nothing but stalling and push cards to people cant afford the rate. These ccompanies push worthless credit cards with loan shark interest rates THERE SUPPOSED TO KEEP YOUR SCORES LOW SO THEY CAN MAKE MONEY OFF YOU BECAUSE IF YOU GET GOOD OR GREAT CREDIT SCORES WHY WOULD YOU NEED THEM, SCAM SCAM SCAM SCAM SCAM
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires on transunion report are fraudulent. Contacted some and was told to contact the credit agency. Transunion has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.
Product: Credit reporting or other personal consumer reports

Complaint against EXPERIAN for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Termination : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I previously filed a dispute with EXPERIAN regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EXPERIAN failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EXPERIAN 's failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EXPERIAN for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EXPERIAN complies with its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The nature of this complaint is towards ( i ) False Claims and False Credit Reports filed. ( Professional Negligence and Damages done to plaintiff 's personal credit ) USAA CREDIT CARD falsely reported negative items on all 3 of my credit reports. ( Total Fraud ) Slander I now can not get a home loan or car loan or credit due to USAA FALSE CLAIMS of delinquent credit in my name. ( I am a XXXX retired XXXX  XXXX on a fixed income NOW LOSING MY HOME DUE TO POOR CREDIT ) XXXX of 2020 my credit was stolen and used in CA and NV without my consent or knowledge. I reported it stolen to USAA and they stated to me they would do an investigation and remove the fraud charges from my credit card. I filed a police report with XXXX XXXX XXXX and the FBI. USAA never informed me BUY MAIL OR EMAIL THEY ARE DENIED MY FRAUD CLAIM AND PUT MY ACCOUNT AS DELINQUENT ACCOUNT AND RUINED MY CREDIT. USAA NEVER DID AN INVESTIGATION OR LOOKED AT THE ATM CAMERAS. I am a XXXX XXXX  XXXX with perfect credit all my life. I have sent request by mail proving I was not in the state when the fraud occurred on my credit card or am I the person on the ATM VIDEOS COMMITING THE CRIMES. 
( I am suing USAA AND HAVE A COURT DATE ON XXXX XXXX in XXXX XXXX NV XXXX I will prove in court all my evidence of my innocence in front of a judge and to let the entire world know what USAA has done to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX had to replaced four different times in 2023, due to fraudulent activity three of those times and once when one of the credit unions, XXXX, incorrectly reported one of the new accounts as fraudulently opened. I've had the fourth and final replacemement card and account since XXXX and it's now late XXXX, and the credit line of {$9800.00} has still not been added back in to my total available credit and factored into my average credit age, which would increase it about six months as it's my third oldest account that I've had for fouteen and a half years. XXXX and Equifax still are reporting transactionsnand different closing balances each month, so how could the account possibly be closed if this is happening? XXXX doesn't appear to even have the card at all on their report. The statement for the account has closed four or five times since I received the fourth and final replacement card and account number in XXXX, so it's now been in excess of 120 days, let alone 30 or 90. I've spoken to XXXX XXXX, who issues this credit card on at least two ocassions in the past month or two, and they said that they are reporting it correctly and asked the credit bureaus to correct the account status on their reports. My complaint isn't with XXXX XXXX, it's with all three of the creit bureaus for still having it as a closed status, which is wrong, especially when they also report transactions and different closong balances each month, or not having it on its report at all in the case of XXXX, when i've had the most recent replacement card and account number more than four months.
Product: Credit reporting

I contacted XXXX XXXX with Equifax XXXX XXXX because I was not being properly helped when I submitted fraud disputes. I have been the victim of identity theft and have been having a problem for many years with people opening accounts in my name and making inquiries into my credit history. I have provided Equifax with a copy of my police report, my identity theft affidavit, and other relevant information to prove I was a victim of fraud. Most recently I forwarded XXXX XXXX Equifax XXXX XXXX a actual fraudulent letter that I had received from a hacker/scammer that was demanding money from me fraudulently and they had included my social security number in the scam letter. I provided this to XXXX XXXX so that he would be assured that I was sincere in my efforts to be assisted because I was continuing to be the victim of fraud. XXXX XXXX took my complaint to him, and forwarded it to the consumer affairs department and did n't even bother to call me. When I called to follow up on the matter I spoke to someone named XXXX who claimed to be a supervisor in the XXXX. She told me that Equifax was not treating my claim as a fraud dispute, but as a regular dispute and that they did n't believe that I was a victim of fraud. What more could I have done but to actually provide a letter form a hacker/scammer. I have also been given free assistance from the Department XXXX XXXX XXXX because my personal information was breeched through their website ... .and I have provided a letter stating as such from the XXXX. I have been mistreated and not helped by Equifax even when I have provided over whelming proof of what I was experiencing.
Product: Debt collection

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX  Account number : XXXX Please remove account. 
XXXX XXXX : XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 
Original Creditor : XXXX Account Number : XXXX Please Remove account. 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Product: Credit card or prepaid card

I am trying to access my account data via a website for monitoring and Barclay is blocking access.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Checking or savings account

My contact telephone number, on TD Bank 's records, at XXXX XXXX XXXX XXXX XXXX NY XXXX was fraudulently changed by bank employees. Employees and/or co-conspirators counterfeited two checks, one for {$2800.00} and one for {$2900.00}. On XX/XX/2018, Co-conspirators called bank on XX/XX/2018 and had employees transfer {$3000.00} from my corporate checking account to my personal checking account both domiciled at above TD Bank. On same day, co-conspirators cashed the foregoing checks at two different XXXX XXXX XXXX  branches of TD bank.The reverse side of one of the counterfeit checks that was cashed has an inscription " called customer ''. The teller called the telephone number of the perpetrator to which my records were changed. The perpetrator answered the phone and identified himself as me and the teller cashed the check. The other check has no such notation. When I reported this to XXXX XXXX, TD Bank representative, she called the perpetrator and he could only give her my address and not my social security number or date of birth. Therefore, the tellers or the employee who trfed above {$3000.00} could not have gotten necessary ID for Perp. Therefore, this embezzlement could only have been perpetrated by or with the needed assistance of TD Bank employees.