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

Disputing Inaccurate Information On Credit Report I am writing to dispute the following accounts based on factual discrepancies. 
I am demanding, under federal law, that these accounts be investigated thoroughly. 
Under my rights of the Fair Credit Reporting Act, I am entitled to a fair and thorough investigation and all accounts reported must be complete and accurate. Any account that can not be verified must be deleted immediately, as stated in federal law. I will be notifying the CFPB that I have not been allowed my rights to a fair and quick investigation process if no action is taken and these errors are not corrected and deleted, promptly. 
Acct 1 : XXXX XXXX XXXX Is reporting an account that has been recycled and is well over 7 years old since delinquent.

The open date is incorrect as it is not even consistent with what other CRAs are reporting. How can I have different opening dates for the same account? Also, no notice of debt collection was sent to my address on file for my right to validate this debt, which is another violation of federal law under the Fair Debt Collection Practices Act. 
Acct 2 : XXXXXXXX XXXX How can a charge off account not show an accurate payment history? Accounts show a different payment history on different CRAs. How is it possible to have an account charged off and never be 30/60/90 days late? Account also has an inaccurate open and close date. 
Acct 3 : XXXX XXXXXXXX XXXX Is not showing an accurate payment history, nor, is it reporting a correct balance. Other CRAs are reporting a different balance. How can a charge off have no late payment history? 
I would like for these to be removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

This complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Product: Debt collection

Recently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year> I received a response stating that the accounts were verified on XX/XX/year> I am formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ) To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.iam requesting you provide me all information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) Per FCRA you are required to provide me this information within 15 days or delete negative items
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Account to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : 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: Money transfer, virtual currency, or money service

I opened a new acct with bank of America and my existing credit union wiredi into bank of America. Bank of America won't release my money
Product: Mortgage

XX/XX/XXXX & XX/XX/XXXX payments totaling {$110.00} paid for City of XXXX Property taxes of property XXXX XXXX XXXX XXXX XXXX , XXXX  , Georgia XXXX {$530.00} cashiers check # XXXX was paid to XXXX County Tax Commission for Property XXXX XXXX  XXXX XXXX, XXXX , Georgia XXXX on XX/XX/XXXX. 

PHH Mortgage ( XXXX ) was contacted via telephone, fax for Mortgage Loan account XXXX for XXXX XXXX XXXX property address XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 
enclosed receipts attachments Mailing address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 

i request a refund for interest due to the fact both county and city taxes were paid by XXXX XXXX Escrow account was for the amount for taxes the original loan payment was {$300.00}. 
phhmortgage.com Headquarters : XXXX XXXX XXXX, NJ Founded : 1977 Parent organization : PHH Corporation XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX # 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
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence u provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all disputed accounts, as Experians inaction violates federal law and my rights as a consumers
Product: Debt collection

My student loans have been XXXX and forgiven. All XXXX XXXX loans have been XXXX and forgiven under lawsuit. I have the official documents showing this. Ive provided them to Mohela. The government and department of education have provided Mohela this same info. A month after all was XXXX and cleared Mohela obtained the closed account somehow and started trying to collect on it. Ive contacted them and they cant explain how they got the account, why they dont want to adhere to court orders or why they cant locate the multiple documents from the department of education XXXX federal government and myself sent to them. Ive filed with all 3 credit agencies and they all removed the XXXX loan. Yesterday Mohela reissued it. This has to stop. What theyre doing is illegal. They are already under a lawsuit for failing to comply with debt forgiveness. Please make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Pentagon Federal Credit Union visa credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with Pentagon Federal Credit Union. I informed Pentagon Federal Credit Union that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a Pentagon Federal Credit Union employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/2024 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Product: Credit card

High level detail 1. I made a {$1000.00} purchase at XXXX XXXX ( camera ) and they sent a {$35.00} product ( microwave trim kit ). 
2. I reached out immediately and they were supposed to send the correct product, but they didn't.

3. They refused to look into it, so I made a dispute with Chase 4. They didn't look at the evidence or do the diligence to get the money refunded even though I reached out in the appropriate timeframe ( twice ) 5. Chase had 2 chances to resolve and let the time run out and then said they wouldn't look into it I simply want a refund for a purchase I made on my chase card that I never received Evidence provided shows XXXX tracking code for the purchase and that the box delivered could not fit a camera. Lots of other details that show what happened that I'm happy to walk through
Product: Bank account or service

On XXXX/XXXX/2016 I noticed there was a withdrawal of {$5700.00} taken out of my bank account. I do n't remember taking out this amount of money and never authorized this withdrawal. I personally then went to the chase bank to file a report for the unauthorized withdrawal from my account. They gave me a copy of the withdrawal receipt with a signature that was not mine. The bank then told me I needed to file a police report so I can get a refund. I went to the police department and they gave me a Victims Bill of Rights report. I then returned to the bank and showed them the report, and they denied it. They told me that the sheriffs department has their policy and the bank has their own policy, which means that they do n't care what other policies say unless its theirs. I then asked them, is there any proof that you can show me to prove it, such as security videos of that day showing who withdrew that money from my account. The bank then told me that I had to subpoena them in order to see the videos or pictures. I went to the sheriff 's department and spoke to the detective so they can subpoena the bank, which was on XX/XX/2016. A month later the bank said they do n't have any pictures or videos who told the sheriff 's department. The sheriff then told me that there is nothing they can do for me.
Product: Debt collection

I am currently dealing w/fraud in association w/my credit report. 

Two account show being owned by Midland Credit Management. 

As states in my identity theft case, I DO NOT HAVE ANY INFORMATION ON WHERE THESE ACCOUNTS CAME FROM. 

I have attempted to validate the alleged debt w/Midland however they are only using stall tactics. 

In reading the case Texas v. Midland Funding, LLC, Et Al., I noticed that it was Midland 's claim that they have consumer agreements from every consumer they are attempting to collect from. As a consumer who is impacted by fraud I would like to be provided with the consumer agreement that is associated to my specific account. I have asked for these files w/no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, XXXX, and Equifax and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

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

These accounts XXXX XXXX  XXXX, XXXX # XXXX, XXXX # XXXX are not mine. I have made phone calls to the bureaus and listed companies to have them removed. I have been given the runaround and after some research I am here to get what is owed to me. No documents of any kind can show that I am responsible for listed accounts. No validation can be made unless validated by me can put the responsibility of listed accounts on me. There is obvious a mix up with another person claiming to be me and I will not clear up anything that I did not give authorization to have my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to experience incorrect information that is being reported on my credit report by XXXX. This has been an ongoing issue for years. I submitted my credit report and have disputed the results ; as it shows XXXX XXXX ) account closed of which the company went out of business. However, I still had a balance which is paid faithfully every month. XXXX has the account in a " Negative '' Account Activity status. I have also attached the Credit Report from XXXX. I would like XXXX to update the status to a Positive Account Activity. # XXXX XXXX also has on my Credit Report five ( 5 ) Student Loans from ( NAVIENT ) there is only one main account # XXXX ; although, they show all five on the report as " Open '' and they should be closed and removed as the school ( XXXX ) that I was attending closed due a loss of accreditation. Prior to the school closing I had applied for numerous loan forgiveness ; only to be charged higher interest rates and fees. I also completed and submitted the government school closure application, and ( NAVIENT ) responded and the representatives also confirmed that I qualified for the student loan discharge. I have also filed a Consumer Complaint Against ( NAVIENT ) with the Attorney General Office with the Department of Justice for their un-law practices and harassment. I would receive 7 to 10 calls daily, and the calls never stopped during the onset of the COVID Pandemic, they just increased. I would like to have XXXX remove ( NAVIENT ) as negative and from the report. email : Navient.com XXXX reports XXXX on my credit report and this account should be removed as this account was transferred to another lender XXXX. XXXX was sued by the former Attorney General XXXX XXXX for their unethical mortgage financing practices for fraudulent foreclosures and fees. I have filed a Consumer Complaint Against XXXX XXXX XXXX with the Attorney General Office Department of Justice to investigate XXXX and XXXX as they have the ( XXXX ) XXXX XXXX XXXX which is the new lender in a Negative Account Activity and the payments are current. See attachment XXXX Credit Report. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX XXXX  XXXX, XXXX, 2. XXXX XXXX XXXX, XXXX, I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.