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

I recently filed a dispute with the consumer reporting agencies, XXXX, XXXX, and TransUnion, on an account that was inappropriately reported on my consumer report.

During the dispute, the consumer reporting agencies listed below failed to notify me that the account would be reinserted in my consumer report as required by FCRA 611 ( a ) ( 5 ) ( A ) [ 15USC 1681FA ]. 
Account Name : XXXX XXXX XXXX XXXX / acct # XXXX XXXX : Result of Investigation : Updated XXXX {$1900.00} XXXX : Result of Investigation : Updated XXXX {$16000.00} TransUnion : Result of Investigation : Updated XXXX {$1900.00} I demand that these inaccuracies be corrected immediately to ensure the accuracy and fairness of my credit report, as required by federal law.

This is a clear violation of the FCRA. On XX/XX/2009, the FACT Act law, XXXX XXXX XXXX ( XXXX ) ( B ), went into effect and states : ( B ) EXCLUSIONS. Except as provided in subparagraph ( C ), the term consumer report does not include ( i ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The above-referenced account is an authorization and approval of a specific extension of credit directly to me. As such, this account is not included in a consumer report. 
The reporting of this in accurate account is a clear violation of the FCRA and has caused damages. I demand that you delete this account from my consumer report immediately. 
Failure to respond appropriately to this final notice will result in legal action being taken against you for non-compliance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, TransUnion, an Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

They have violated my rights. 

Account name : # XXXX Acct XXXX XXXX Account name : # XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : # XXXX XXXX XXXX  Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX. 
Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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.
Product: Debt collection

This morning my   XXXX  year old  mother and daughter in college got calls from these scumbags saying I was going to be arrested and they where looking for me or my family has a chance to settle the debt before I go to jail.
Product: Credit reporting or other personal consumer reports

This information being furnished on my consumer report does not match other consumer reporting agencies shown in my credit report and needs to be removed Promptly which also means Transunion has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S. Code 1681b ( e ) ( 6 ). 15 U.S. Code 1681b ( e ) ( 6 ) 15 USC 1681b ( e ) ( 6 ) 1681b ( e ) ( 6 ) - 1681e ( b ) - must maintain maximum possible accuracy .Notice, it is a fact affiant is aware a consumer reporting agency must maintain reasonable procedures to assure maximum possible accuracy of furnished information on my, the affiants consumer report shown in Exhibit ( A-B ), does not comply with this maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which isa violation of 15 U.SCode 1681e ( b ) .1
Product: Checking or savings account

My checking account with TD Bank has been closed and I need statements from the entire period it was open until closing, It was opened in XXXX of XXXX, closed sometime in XXXX or XXXX. These statements are needed for legal purposes. A request was made prior, nothing received.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

JP Morgan Chase has allowed a foreign merchant to fraudulently bill me for a card not present transaction for medical treatment of a person who is dead. I have provided all the proof to JP Morgan Chase but they closed the dispute with a form letter with no reason given, no counter evidence supplied and have attempted to allow the foreign merchant to steal over {$1600.00} USD from me. See attached file for full details.
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING AGENCIES- EXPERIAN XXXX AND XXXX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Credit reporting or other personal consumer reports

THIS IS NOT MY ACCOUNT SOMEONE IS USING MY IDENTITY
Product: Debt collection

The account has been illegally re-aged. This debt is from XX/XX/XXXX and has been re-aged on my credit report to state XX/XX/XXXX. Furthermore, I have not received any communication about this debt until it was brought to my attention during my security clearance application. I want the debt erased from my credit report immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> In Regards to : FDCPA Violations Dear Compliance Department, I, XXXX XXXX, a non-adverse, non-belligerent, non-combatant party and executor with full life, have received correspondence from your agency regarding an alleged debt you claim I owe in the amount of {$2800.00}. I want to make you aware that I am fully aware of my rights as a consumer. 
According to the Fair Debt Collection Practices Act ( FDCPA ), your actions have violated my federally protected rights. 
Your negligence, willful noncompliance, harassment, and abuse will not be tolerated. This letter also serves as a cease and desist. Please stop contacting me regarding this alleged debt. Additionally, I request that you stop reporting it on my consumer credit report as this is a violation of the FDCPA. 
In accordance with the FDCPA, you are in violation of both 15 USC 1692 ( c ) Communication in connection with debt collection and 15 U.S. Code 1692b - Acquisition of location information.

My credit report shows a collection from your agency. I was never notified of this collection. What is more, I do not believe this debt is accurate. Under the FDCPA, I have the right to request and receive validation of this debt. Therefore, please provide me with a copy of all the following : 1. An explanation of what this alleged account balance is for.

2. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3. Documentation that shows I agreed to pay this debt with my signature.

4. Please also ensure that you provide documentation regarding your rights to collect this debt in my state.

Under 15 USC 1692 ( c ), debt collectors are prohibited from communicating with a consumer without permission. Under 15 U.S. Code 1692b, debt collectors are also prohibited from using misleading practices when acquiring location information.

Additionally, I want to make you aware that you have committed the following FDCPA violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts In accordance with the FDCPA, you are liable for {$1000.00} per violation you have committed in your communication with me. I am requesting compensation in the amount of {$5000.00} for the violations you have committed against me. Please make payment within 15 days of your receipt of this notice.

I will also be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. If necessary, I will take further action against XXXX XXXX and Associates if you fail to comply wi... 
In accordance with the FDCPA, please make payment in the amount of {$5000.00} and send it to the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX was supposed to come pick up the XXXX XXXX from my apartment. They are wrongfully charging me for internet usage when I already left my apartment due to my lease being up plus a missing box fee. I spoke with XXXXXXXX XXXX XXXX  and they have called me repeatedly, harassing me for payment when I do not owe them. At all. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report. 

PLEASE SEE ATTACHED FILE FOR COMPLETE COMPLAINT
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

i went online and call all three major credit bureaus ( XXXX, Experian, and XXXX ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also Experian refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX XXXX
Product: Credit card

Capital One has an incorrect balance for my account and is reporting incorrectly on my credit report. I have sent 40+ emails over the last 1-2 years and they do not ever respond or give me an email to speak to someone because they give me incorrect information over the phone so I only want to communicate through email
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a United States Veteran and XXXX XXXX XXXX I should qualify for assiatnce into help rebuilding my credit. I hired Lexington Law who took {$130.00} a month to repair my credit. Upon hiring them th4ey have not repaired my credit and all three credit bureaus have not chnage the status on credit report or credit scores within the last five years Ive paid of a motorcycle and house. I purchased two vehicles one was traded in for a new one. I am still seeing things on my report that have been on there more than seven years. Please investihgate my report and correct the credit bureaus for reporting low credit scores I am trying to buy a house. Please begin your invstigation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the police report and the FTC report for the items that are reporting on my credit file, by mistake or fraud. 
i have tried to fight with the bureaus and it has been unsuccessful, i need your help in order to remove these inaccurate public record and the XXXX account from my credit file. Equifax is reporting a Bankruptcy that does not belong to me, and XXXX is reporting the XXXX account that was opened fraudulently under my name, they have placed back the XXXX with out even considering me had been a Victim of ID Theft, please help me to remove these inaccuracies.
Product: Debt collection

I ordered XXXX over the phone in 2016 over the phone we had agreement on a price for services but then when I receive my bill it was totally different they repeatedly wanted me to agree to new terms and agreements that we 're not in my favor I thought I was being taken advantage of over the phone they would keep trying to renegotiate a plan that was unfair I felt like they were stealing from me I cancel the service and they threatened to charge me {$340.00} disconnection fee if I did not stay with them they tried to bully me to keep their service but I disconnected it. They said part of the disconnection fee was for the equipment the XXXX XXXX on top of my house which they never came back to get also I asked him to give me the document or the recorded message stating that I agreed to a {$340.00} disconnection fee they could not show proof
Product: Mortgage

I have been trying to modify my loan with Wells Fargo for the past several years. All I get is the run around and their mischievous tricks that they use on everybody. When, " Keep Your Home California '' sent them the last mortgage payment they returned it, saying, no thank you. Then they started going after me for, " falling behind '' on my mortgage payments. When I applied for a different program from, Keep Your Home California, they pretty much torpedoed it, with these same tactics, forcing me into bankruptcy.
Product: Credit card or prepaid card

Because of the civid 19 pandemic my family was put in a hardship Because of our government mandated rules that has to deal with us working and being able to provide adequate support for our family... I have disputed 2 companies in XXXX  about 30 day late payments on both of my credit cards with them being capitol one and XXXX XXXX XXXX XXXX and they both denied me... I feel this is against everything we stand for a a people. My family should have the same rights to have stuff removed during a pandemic as everyone else. Pls help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report. 

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX  XXXX must be removed after 10 years from the date of filing. 
XXXX  XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XXXX  Report that i have a hard inquiry from Syncb, National Credit Cards/Airlines, on XX/XX/2019 that i did not authorize. In no way would I have applied for any credit with this company.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized, AND INACURRATE ADDRESS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX