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

Hello, On XX/XX/XXXX, I submitted a dispute for the below account. XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have attached the dispute letter. The letter was sent certified mail. Equifax received the letter XX/XX/XXXX. I have attached the postal receipt showing received. On XX/XX/XXXX Equifax deleted the disputed account below as required under confirmation number XXXX. Equifax has now reinstated the same account XX/XX/XXXXXXXX XXXX  months later, without notice as required under FCRA 15 USC 1681i ( a ) XXXX ( b ). I received no reinsertion notification. XXXX Equifax has reinstalled the same account under a different name now, with different dates to try to appear as if it is a new collection, but they put in the comment section that it is a previously disputed account, that is now resolved by the data furnisher. Resolved almost XXXX  months later? By the data furnisher? Then why is it reporting under a different data furnisher? The CFPB has to stop allowing Equifax to continue to play these games with consumers and try to damage their reputations. Even after they have been fined and pending lawsuit they are still trying to harm consumers and not properly vetting the data before placing inaccurate date on consumers files. In which is a violation of 15 USC 1681i ( a ) 6 ( b ) 3. They need to be shutdown CFPB please investigate this, all documents are attached. They are not slick. I am on their XXXX with this XXXX XXXX. If they are stating the furnisher has now addressed the matter then they have now also violated 15 USC 1681i ( a ) 1 because it is well over 30 days. Equifax need to be stopped and shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TransUnion did not properly investigate XXXX This account needs to be deleted immediately. I have been denied credit use because of misleading and incorrect information
Product: Checking or savings account

I just recently opened up my HSBC checking account online they then did a verification trial deposits to verify my identity as an extra layer of protection I could understand that at the same time on the account opening process I put in for {$100.00} deposit for the opening deposit they took that out I set up my online ID add this past Saturday I did a mobile check deposit in the amount of {$200.00} so this is a total of {$300.00} all of a sudden they close my account down telling me that due to informational mishaps that did not match they close down my account immediately even though I have money in that account the person that I spoke to on the phone could not give me any information he said that its a back office that handles all this and I suppose the back office no one can get a hold of I want my money back Im not gon na sit around waiting however many more weeks months or whatever its going to take this is ridiculous not only that its a department that no one can get a hold of supposedly and the gentleman told me that I will be receiving information about whats going on due date as of todays date I have not received anything about my account being closed when I will receive my money back or anything I have been trying to get in contact with this oppose the back office now for about a week and no one can give me any information on how to get a hold of this supposed department I want to be able to walk into a HSBC branch and my funds be given to me in cash Im not waiting for a check you guys debitMy account electronically so then you should be able to put the funds back the same way you took them you guys take peoples money and then close down accounts and then come up with a department that now I can get a hold of that is not right
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX XXXXXXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to allege they did a reasonable investigation to prove that the bankruptcy they are reporting is accurate. Since you did an investigation you should have evidence to prove your claim for validation. Neither consumer agency provided this information to me for me to examine to see if this information is indeed fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number # XXXX XXXX XXXX account numberXXXX XXXX account number # XXXXXXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX  account number # XXXX 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

An organization by the name of XXXX XXXX out of XXXX, XXXX   misrepresented a colored diamond investment to me and as a result I have invalid charges on 4 Major Credit Cards totaling over {$53000.00} with the following institutions ; Bank of America, XXXX XXXX, XXXX and XXXX. A Record of the charges and receipts are included in the attached document.. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for transaction documentation from the XXXX Police , a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police . 

Despite this documentation all 4 institutions have refused to honor the Fraud Claims,.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter from the bankruptcy courts of Virginia stating they do no verify information with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Challenged credit information reported to Credit Reporting Agencies. Requested that Midland Funding, LLC supply me with ( a ) their authorization to collect, ( b ) their authorization to do business or operate in the state, ( c ) proof of the alleged debt, ( d ) a complete account history, including any charges added for collection activity. I requested the aforementioned under 15 USC 1692 ( e ) & 15 USC 1692 ( f ). Midland Funding, LLC has not responded to me within the ( 30 ) days allotted. They have not responded at all. 

Subsequent to the above I've demanded they remove this false report from all credit reporting agencies ' files. There has been no response. At this point in time Midland Funding, LLC is in violation of the above-stated statutes. 

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

Experian has allowed unfair credit reporting on my credit file after allowing my information to be leaked to the dark web. I have tried for year to protect my credit by putting freezes on my account. I have been denied housing and job opportunities due to this.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : 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

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Re : Demand for Removal of Incorrect Late Payment Reports and Non-Public Private Information Dear XXXX, I am writing to you on behalf of XXXX XXXX XXXX XXXX, who has recently discovered inaccuracies in their credit report that require immediate attention. My client has identified the following issues that need to be rectified without delay : XXXX. Incorrect XXXX XXXX Reports : My clients credit report inaccurately reflects late payments that were not reported in accordance with federal and state regulations. Specifically, the XXXX XXXX XX/XX/XXXX XXXX Texas account XXXX date opened on XXXX alleging {$22000.00} balanced up dated XX/XX/year>. These inaccuracies are a result of reporting errors and are not reflective of my clients true payment history. 

XXXX Private Information : The credit report also contains non-public private information that is not relevant to my clients creditworthiness. Specifically, child support late payments from the attorney general of XXXX This information is not only irrelevant but also a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Furthermore, under the FCRA, consumers have the right to dispute and request the removal of any inaccurate, incomplete, or outdated information from their credit reports. 


Please direct all correspondence and documentation regarding this matter to my attention at the address listed above. Should you require any additional information to facilitate the investigation, do not hesitate to contact me directly.
Product: Mortgage

WELLS FAEGO fabricated a fake loan number XXXX in XXXX and foreclosed on my home in XXXX and stole my home after 26years of ownership. I bought the home in XXXX and paid it off to WORLD SAVINGS BANK in XXXX. 
WELLS FARGO TRYED TO STEAL MY HOME since XXXX and I had to take them to Bankruptcy court in XXXX to proof their claim and they could not and the case was discharged. WELLS FARGO then fabricated a loan number XXXX in XXXX and with forged default documents recorded at the county recorders office and foreclosed on fraudulent documents on my home and stole it with the help of XXXX XXXX XXXXXXXX husband and wife team XXXX and XXXX XXXX hired by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to address several issues I have encountered with my credit report, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the invalid and unauthorized hard inquiries appearing on my credit report. It is both disappointing and frustrating that my concerns have not been addressed with the urgency and thoroughness they warrant. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/2024 What baffles me is how TransUnion continues to allow creditors to perform such hard pulls without ensuring explicit consent from the consumer. This raises serious concerns about the security of my personal information under your stewardship. Such actions expose me to risks of data breaches and potential misuse of my non-public personal information, for which you could be held liable.
Product: Debt collection

Sent certified letter to Gold Key Credit/Collection to verify debt that is not mine no response to date they had XXXX collection accounts and only deleted XXXX but still has not sent any verification of the debt for the other XXXX nor have they removed from credit reports
Product: Debt collection

I am attaching copy of the letter I received which shows all the information required. I tried to fixed this issue several times with XXXX XXXX but their representatives were not willing to take of customers and listening to their needs. I don't have medical insurance and I lost my job in XXXX. This new debt collection is suggesting that my credit can be damaged. Because the company XXXX XXXX never cared about resolving the issue and they just transfer debt to credit collection, because they are not interested in doing their job properly.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>/2025 Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The information I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No body care about this matter, remove the inaccurate information in my credit record that came about due to an alleged fraud. These are the following items tnat needs to remove 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report, as I am a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ), I request that you remove the accounts and inquiries detailed below. 
XXXX Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$120.00} XXXX. XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$120.00} XXXX. XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$3400.00} XXXX. XXXX XXXX Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$4100.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX Creditor : XXXX XXXX XXXX Customer : XXXX Account : XXXX Billing sent me before i payment {$100.00} and after that I never see billing sent to my home. 
Now i see mail for LHA send need i pay {$790.00}. I see they said im paid or were credited this amount towards the debt {$0.00} Can you check back. Im trying to send email at XXXX but this email cant send. 
I want to payment but I dont have money for pay XXXX time.
Product: Debt collection

Commonwealth Financial System - A Debt Collector has put negative information on my credit report for a bill that should have been paid by VA. Almost ten years ago I went to a VA Clinic because of XXXX XXXX XXXX ( XXXX ). When I arrive at the clinic they were concerned that my XXXX and called an ambulance to take me to the nearest hospital. I told them that I would drive to the hospital myself but they insisted that it was n't safe and I must go via ambulance so I relented and was transported by the ambulance the called to a nearby hospital. Several months later I started receiving bills from the ambulance carrier because VA had not paid the ambulance. My wife contacted VA who agreed that the trip was initiated by them and would therefore be covered. Months went by and the bills started again. Again we contacted VA to request that they pay the bill. After nearly a year of going back and forth with them they explained that this coverage had not been paid because VA had restructured and this benefit was moved to a different department. We had to start the process over with them. After many months and tremendous frustration VA agreed again that they would cover the ambulance ride. We believed that after 2-3 years of working through the bureaucracy that this was finally taken care of. In XXXX of 2016 according to my credit report Commonwealth Financial System a Debt collector is trying to collect on the ambulance ride provided by VA again. I explained all of this to them but they are unwilling to remove it from my credit report. I asked them if they had anything signed by me saying I was responsible for the debt. They said " no '' but they are not going to remove this fraudulent collection unless I pay the bill. I am a vet who 's credit is being hurt because VA has not paid has somehow not paid a bill that they created and Commonwealth Financial System is holding me hostage for the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Syncb/Walmart National Credit Cards/ Airline put in a inquiry on my credit report. I have not applied for any credit cards or airline credit cards at all and I would like this off of my credit report. I have worked very hard to fix my credit score and this is not helping it. I have not giving my information or  permission for such credit to be ran by this company and they said there is nothing they can do about it.
Product: Credit reporting or other personal consumer reports

I have been asked transunion and XXXX  to removed those inquiries that i dont have knowledge of them. But they inquiries are still there months after 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

To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you