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

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of products/services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening 2 new accounts with your company. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services or products ]. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Investigate the reasons behind the delay in opening accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX and provide me with a detailed explanation of the causes. 

Expedite the accounts activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. Please assist me to correct the following late open accounts : XXXX XXXX XXXX Balance : {$210.00} ; ( New Late Open : ) XXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXXXXXX Balance : {$19000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Equifax, I am writing to urgently address critical discrepancies found in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile has raised serious concerns regarding the adherence to FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment-related matters. 
Receive notification if my file information has been used adversely in credit applications or transactions. 
Dispute and demand correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after seven or ten years, depending on bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused considerable distress, notably leading to my recent denial of extended credit due to errors originating from your agency. 

1. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

2. XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

3. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

4. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

5. XXXX XXXXXXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 




I anticipate prompt action to rectify these violations within the FCRA 's specified timeframe. Failure to comply will unfortunately compel me to pursue legal action to ensure my rights under the FCRA are upheld. 

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

XXXX XXXX XXXX should not be reporting a collection/chargoff in the amount of {$12000.00} to XXXX ; XXXX and Transunion on the XXXX XXXX CRED partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX XXXX XXXX XXXX partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal demand for immediate action regarding the severe breach of my personal information, including the compromise of my Social Security number, which has resulted in a data breach and identity theft. This situation is not only alarming but also legally indefensible. I have already reported this crime to the Federal Trade Commission, and a copy of my FTC Report is enclosed with this correspondence. As you know, under 15 USC 1681c-2 ( c ) ( a ), your agency is legally obligated to act immediately upon receiving an identity theft complaint. This statute unequivocally mandates that you block and remove all fraudulent information from my credit report within four business days. I have provided all the necessary documentation to substantiate my claim, and I expect full compliance without delay. 

XXXX XXXX XXXX XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  XXXX - XXXX Your agency is in violation! 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 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 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. Delete this at once! 

XXXX XXXX  XXXX. - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote requesting this investigation into items that I believe to be incorrect outdated or obsolete. To date, I have not received a reply or any acknowledgment that the investigation has begun.Under federal law creditors have XXXX XXXX XXXX XXXX days to complete investigations. Please remove inaccurate information indefinitely. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down XXXX points on XX/XX/XXXX for no reason. I need someone to investigate this as it is unfair and unjust. Only thing I can see is the high balance from synchrony bank states a balance of {$5000.00} from XXXX to XXXX and that is not the case as I only owe {$230.00} and made payments monthly.
Product: Debt collection

To whom it may concern, 1.MIDLAND CREDIT has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2.MIDLAND CREDIT has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights by XXXX XXXX XXXX, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) MIDLAND CREDIT is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to MIDLAND CREDIT, I XXXX XXXX is also revoking all rights of XXXX XXXX XXXX from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between MIDLAND CREDIT and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of TX.
Product: Credit reporting or other personal consumer reports

I wrote a formal demand to TransUnion disputing multiple inaccuracies on my credit report. I referenced specific provisions of the U.S. Code, particularly the Fair Credit Reporting Act ( FCRA ), to support my claims. The issues I raised included inaccurate reporting of late payments during COVID-19 under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), failure to validate debts in compliance with 15 U.S.C. 1692g, and unauthorized hard inquiries that violate 15 U.S.C. 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports.

Additionally, I emphasized TransUnion 's legal obligation to ensure accurate reporting under 15 U.S.C. 1681e ( b ) and to investigate disputes thoroughly under 15 U.S.C. 1681i. I cited case law, such as XXXX XXXX XXXX Bank and XXXX XXXX Trans Union Corp., to highlight their responsibility to maintain high standards of accuracy and conduct a reasonable investigation.

I demanded the correction or deletion of the inaccurate entries and unauthorized inquiries and requested written confirmation of their findings within 30 days. I warned that failure to comply could lead to legal action or complaints to the CFPB and FTC, citing potential liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, block information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information consists of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report, which highlights the aforementioned fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries, and I did not authorize their opening. All of these entries are a direct result of identity theft and fraud. Additionally, I have attached a copy of my FTC identity theft complaint ( XXXX XXXXXXXX ) from the U.S. Federal Trade Commission, which serves as proof that these accounts and inquiries are fraudulent. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX, I received a SMS text message on my XXXX saying " XXXX  ALERTS with wire transfer was being attempted from my XXXX Bank Account ''. A man called me on the same number introducing him as " XXXX Representative '' and told me about high call volume being reported with similar Fraudulent wire transfers by a lady named XXXX XXXX from XXXXXXXX XXXX. He then transferred me to a Supervisor from XXXX XXXX XXXX XXXX XXXX team, who gave me his name. He told me my account is already compromised and he is here to help & trace this lady and collect evidence. He asked me for my XXXX username and password for disablement purposes. Thinking he was a XXXX Representative trying to help, I provided him this information. He then had me setup some wire transfer entries for investigation & testing purposes. He tricked me into setting up wire transfers ( Authorized by me ). But I did not know the wire transfers were set to go to SOFI Bank. I did not create those entries. I did not receive any XXXX XXXX from XXXXXXXX XXXX regarding these new wire transfers setups which was unusual & out of pattern activity. I never wire transferred any money to SOFI Bank in the past. Unfortunately, till now I could not sense his ill intentions & gave him OTPs thinking it will be used for investigation purposes. He told me my account will reset within XXXX hours. I should call him next day XX/XX/XXXX to continue with the investigation process. He again repeated the same process next day XX/XX/year> telling me it was for investigation purposes and my account will reset in XXXX hours. My account did not reset and I saw all my money wire transferred, leaving me with a very low balance with all my money stolen. As per XXXX representative, XXXX wire transfers were made to SOFI Bank XXXX in XXXX different accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy to see the below items to be in error.
Product: Debt collection

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate Customer Service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Early Warning Services , LLC has reported inaccurate and harmful information on my consumer report, preventing me from opening new bank accounts and affecting my financial stability. Despite submitting a formal dispute, they have not corrected or removed the following errors : XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Issue : Reported as Account Abuse with an unpaid balance of {$87.00} XXXX XXXX  Account # : XXXX Routing # : XXXX Issue : Reported as Account Abuse with an unpaid balance of {$940.00} These accounts are either inaccurately reported or unverifiable, and Early Warning has failed to provide adequate documentation supporting these negative reports. Under the Fair Credit Reporting Act ( FCRA ), they are required to remove inaccurate, incomplete, or unverified information within 30 days, which they have failed to do. 

This misinformation has severely impacted my ability to access financial services, caused unnecessary stress, and limited my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of TransUnion and XXXX from what I am able to see, and this TransUnion reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.
Product: Consumer Loan

HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) assumed my home equity loan from XXXX  XXXX XXXX in XX/XX/XXXX. I received no written notification that this had occurred, which from what I have read is required by law at least 15 days prior to my loan being sold. I applied for a new loan with XXXX XXXX  in XXXX to pay off this loan after reading the reviews of XXXX. I was to sign the papers for this loan today ( XX/XX/XXXX ). However, I received a phone call from an officer at XXXX XXXX  facilitating my loan today in which he stated XXXX had filed an additional complaint to the credit reporting agencies, today, saying I was 120 days delinquent. I didn't find out until XXXX XXXX  XXXX XXXX had sold my loan when I went in and spoke to an officer and was informed by him that that was what happened. I was told by him they had mailed a notification of this to the address I lived at when I took out the loan. I haven't lived there for 12 years and they have all my current address and telephone information because I still bank with them. So is XXXX  XXXX XXXX 's incompetence my fault? 

I didn't make payments from XXXX to XXXX because I had no idea where to make a payment. Yes, I should have gone to XXXX  XXXX XXXX when that loan disappeared from my accounts. My bad. However, XXXX  during that time period made no attempt to contact me and they can't say they couldn't get my current address and phone number from XXXX  XXXX XXXX. There are no other companies - mobile phone, power, water, etc ... that wouldn't notify you if you were past due on a bill after a month. This was done deliberately by them, of this I have no doubt, in the hopes they would be able to foreclose on my house. 

As soon as I did contact XXXX I brought my account up to date. They then told me my XXXX payment was for the amount of {$740.00}. My loan was converted to a fixed rate option in XX/XX/XXXX. My payments are {$460.00} per month. By telling me that's what my payment was they committed fraud. A lawyer told me they can't increase my payments and I pay my taxes and insurance myself. As I far as I'm concerned they owe me {$280.00}. And I was told by representative of XXXX  that my XXXX payment and all after were going to increase to approximately {$810.00} no explanation as to why. 

I want the 120 day delinquency removed from my credit report because they broke the law by not sending me written notification, to my current address, that they had assumed my loan in XX/XX/XXXX. I want this done so I can secure a new loan with an honest bank in order to pay them off and get out from being under them. I had never missed a payment until they took this over and I wouldn't have if I had known who to whom to make a payment. XXXX  is company run by low lifes who profit off other peoples misery ( please read the reviews online, that is if you have a strong stomach ). Hence, the over 600 complaints to the XXXX XXXX XXXX  in one year and over 2,000 to the  CFPB. XXXX XXXX XXXX should be the poster child for corporate greed in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted XXXX, equifax and XXXX regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.