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

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX & XXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX XXXX XXXX ] without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX and they would not take my dispute over the phone instead they told me I had to mail it in. That is False. I did mail my dispute in as instructed by Equifax even though they were supposed to take my dispute over the phone.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a hard inquiry into my credit from XXXX XXXX that I did not apply for. I am concerned that someone has stolen my social security number and is trying to get credit cards in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a court order that states the debt belongs to someone else. The court order was submitted to XXXX, XXXX and Transunion and to XXXX XXXX around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. XXXX, XXXX, Transunion and XXXX XXXX submitted a response stating they will not remove debt from credit despite submitting legal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.
Product: Money transfers

Someone in XXXX used my account on Western Union to send XXXX dollars.
Product: Credit reporting or other personal consumer reports

I was instructed to file a Federal Trade Commission report on XX/XX/XXXX. I noticed a unfamiliar account when I was checking my consumer credit report for the purpose of purchasing a car and noticed an account that was not authorized on my credit report. The account in question was XXXX XXXX in the amount of {$1100.00} open up XX/XX/XXXX without my authorization. Please expedite from the ( Fair Debt Collection Practice Act ) the XXXX ( b ), Blocking this fraudulent account from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied for Chase unlimited freedom credit card and was denied, because of a XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Im disputing a collection charge in the amount of {XXXX} from XXXX XXXX. My credit has dropped by XXXX points. My credit was excellent with 25 years of XXXX missed payments. This is devastating and incorrect! 

After Hurricane Ida, I ordered XXXX XXXX internet because XXXX was down in my neighborhood. I ordered the XXXX box on XX/XX/XXXX. I paid for XXXX XXXX  shipment and the shipment never arrived. XXXX consultant advised me to order another XXXX box. I ordered that box on XX/XX/XXXX. 

Once the XXXX shipment finally came in the mail, on XX/XX/XXXX. I rejected the package. This means the XXXX  box was returned to sender, never received nor used. Once the new XXXX  box came in the mail, I immediately returned it to XXXX. I've never used their services. I've spoken with numerous XXXX operators, all claimed that accounts were closed. I contacted XXXX on XX/XX/XXXX. XXXX could not verify my account or the amount. XXXX could not produce a paper bill itemizing what I owe to send me. XXXX rep proceeded to give me the number to RPM. RPM representative told me on XX/XX/XXXX that I was being charged for canceling a two year contract. I never signed a two year contract for XXXX internet. XXXX policy shows that XXXX  has no contracts. XXXX was returned immediately because the XXXX  was not strong enough, no equipment fees. XXXX LTE was advertised at {XXXX} per month. Please explain how Im delinquent for {XXXX} for equipment and services that I never used? 

Attached are chat conversations and emails from XXXX confirming the shipment and return of the two XXXX boxes. 

I received a disconnect email on XXXX. I reached out to XXXX on XX/XX/XXXX to confirm that my account was canceled and disconnected. 

I asked the XXXX chat agent for email confirmation to confirm no more charges on XX/XX/XXXX. XXXX was returned in XX/XX/XXXX. I still received a email bill in XXXX, XXXX months after returned equipment and no more XXXX equipment. 

XXXX Chat Agent reply on XX/XX/XXXX : Agent : Also on the next bill generation its showing a credit for the service of {$XXXX}. I can go ahead and process a disconnect order now that the equipment has been returned.

Agent : There is no confirmation to send for the system is crediting you back on the next bill cycle now that the equipment is returned and the disconnect for the lines is already present. 


My credit report is currently showing that the collection is delinquent, which is further destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from Equifax and also complained with the CFPB about the inaccurate hard inquiry reporting by Equifax regarding this inquiry, Equifax purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. Equifax lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by Equifax. Equifax not only lied, but did not perform a reasonable investigation into this issue. Equifax enabled me to be a victim of identity theft. XXXX XXXX has requested Equifax to delete this hard inquiry since XX/XX/XXXX but Equifax has yet to comply. Equifax needs to immediately remove this hard inquiry by XXXX XXXX from my credit file immediately!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a personal loan account opened at XXXX XXXX On XX/XX/XXXX under the account number XXXX, a wireless account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a utility account XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 Complaint # XXXX as proof from the XXXX 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

Hello! 

I am having serious issues with Experian!! 

I sent a letter back in May for them to complete an investigation into an account which i believe to be reporting inaccurately. 

They did not respond. 

So I filed a CFPB complaint and followed up with a letter of no response ( which i have attached ) asking them to please conduct an investigation. 

Not only did they NOT conduct an investigation, but they sent me a copy of my credit report instead which is NOT what I requested and can be seen in the attached documents. 

I already have reason to believe that the account is reporting innacuratly on my account. It has been more than XXXX days and they have YET to investigate. 

Please have them remove this from my credit report ASAP!!
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX and provide proof of proper investigation. Please provide me with a breakdown of all charges and dates of service. Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX to be removed from my credit report. 
All Accounts are listed below : XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMED EQUIFAX MORE THAN ONCE THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE INFORMED THAT XXXXXXXX XXXX WAS A FRAUD ACCOUNT YET THEY STILL REPORT IT. ON XX/XX/2020 ON COMPLAINT XXXX THROUGH THIS PORTAL XXXX XXXX COMPANY INFORMED ME AND CFPB THAT THE CREDIT AGENCIES WERE INFORMED TO DELETE THIS ACCOUNT YET EQUIFAX FAILED TO DO AS THE COMPANY INFORMED THEM. I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. EQUIFAX IS IN VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
1. XXXXr XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX XXXX  XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) DateXXXX As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.
Product: Credit card

Hello, I had originally paid $ XXXX to XXXX for tickets to XXXX XXXX XX/XX/XXXX. On the day of my flight of XX/XX/XXXX, there were no tickets printed. I used a number online to call XXXX XXXX as I was in a rush. It ended up being a scam company going as XXXX XXXX XXXX that fronted as XXXX XXXX. They said that I did not have any tickets for XXXX and that I had to pay $ XXXX for the tickets again. After coming back from my flight, I called XXXX and they said they had no information about this transaction. XXXX states that the tickets were printed, so the second charge for $ XXXX was paid for nothing. 

I called Chase on XX/XX/XXXX to dispute as a fraudulent charge. The department for Fraud told me that they could not refund me and transferred me to another department. The next department told me I had to send the nearest bank in writing to be able to redispute the charge. I have attached the letter that I faxed over, I have not received a response in over 2 months. 

It seems as though any time I bring up a refund, I am just given a workaround with no actual solution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against Experian. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose. 

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, Experian has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements. 

I have taken the following actions : Submitted a formal dispute to Experian, demanding removal of multiple unauthorized inquiries. 
Provided supporting documentation, including proof of identity and address. 
Requested that Experian provide documented evidence of permissible purpose from the entities that conducted the credit inquiries. 
Warned Experian that failure to comply would result in a CFPB complaint. 
However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold Experian accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing. 

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had XXXX for some years. So they offered me a package to watch for being a good customer. The only terms was I was to cancel the package before the ending period..which i did. 
But XXXX still charged me for the package that I canceled before the ending date..this account is over 6 years old now. 
Also it 's the 3 or 4th time that they are trying to collect a debt that I do not owe
Product: Debt collection

XX/XX/year> XXXX # XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item MIDLAND CREDIT MANAGEMENT is inaccurate. I am requesting that this item be removed. According to the FCRA XXXX XXXX it is illegal to report information on my credit report without my permission.Please renove this item from my credit report. 

Enclosed is documentation supporting my request : XXXX XXXX XXXX ] Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible. 

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

I'm submitting this complaint against all XXXX major credit reporting agencies. 

I've submitted a letter to the credit bureaus, XXXX, Equifax, and XXXX, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2017 balanced owed {$2200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2017 balanced owed {$1200.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX balance owed {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Identity Theft report XXXX XXXXXXXX is attached to this complaint with the following fraudulent accounts that must be removed from my Experian consumer report : XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX