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

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXXFraud Victim Assistance Department XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XX/XX/XXXX- XXXX XXXX  Account number XXXX Account type MORTGAGE EQUIFAX Account number XXXX Account type MORTGAGE Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license Copy of Credit Report Fair Credit Reporting Act Section 605B
Product: Debt collection

I received a letter dated XXXX XXXX, 2015 on XXXX XXXX, 2015, from a company claiming that they purchased a debt from another company. I sent a letter asking for debt validation and requesting that they cease all communications until validation is provided. The company received the letter on XXXX XXXX, 2015. The company continues to call multiple times a day.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Account # XXXX is reporting inaccurate payment history to the following credit bureaus Transunion and XXXX XXXX I have attached copies of my credit report from the two bureaus and highlighted the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2019 I called Goldman Sachs asking to close my account and they confirmed they did ; however, it keeps showing in my XXXX  credit report and everytime I file a dispute it keeps showing the wrong information that my account is still open with a balance. I have called both companies and they are both asking me to do things none of them do. It has been an ongoing issue without finding a solution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. To support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax that was resolved on XX/XX/20. Since then I have requested a copy of the report on 5 occasions. They say it takes 7-10 business days to receive the report. It has been over 2 months and I have not received the letter. I have also tried to view the information online and I keep receiving an error message. They say they there shouldnt be a reason why I cant get into my account and that they will escalate the issue. To which I also have not received any communication on. My mortgage company needs the letter to reissue a check that was written to a XXXX XXXX loan that does not exist as EQUIFAX made an error with my credit reporting. I need a copy of the results in writing.
Product: Mortgage

Bank of America reduced my HELOC from {$50000.00} to {$20000.00} saying in the letter only that it was " based on the decreased equity available in my home '' - no further explanation. When I called them they suggested that I could get money on a credit card cash advance. 
When pressed, they said that they had established a value of {$480000.00} for my house which has a market value of at least {$650000.00}. Houses have been increasing in value in the last few years and typically sell on the first day they are on the market. I believe they are using arbitrarily and fraudulently low " estimates '' of value to freeze HELOCs and force customers onto high interest rate credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. They refuse to update the balance on my credit file. I have my receipts of all payments ; however, they refuse to update my balance on the receipt also. I am not going to continue paying until they update this balance on my credit. It is negatively affecting my credit very bad, and I am working on fixing my credit. If they don't update, I will stop paying it and we can go to court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Also, there are hard inquiries on my credit file that I did not authorize. I attempted to resolve them with the Credit Reporting Agency, ( Transunion ) to no avail. They have refused to remove these inquiries that I did not authorize and it is negatively affecting my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX XXXX Account XXXX since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting or other personal consumer reports

alot of incorrect information, addresses, phone numbers, date of birth, employment
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$8400.00} I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn . : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( Equifax, XXXX, XXXX ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX, XXXX {$640.00} XXXX XXXX XXXX {$460.00} I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


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

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

I called XXXX XXXX hospital, financial department and could not reach assistance to verify the correct number for medical data systems. I have reached out to them twice via email with no response. I want to pay a debt of it is truly mine but can not reach a person to help me research this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Cards/Airlines Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies. I believe these errors.
Product: Credit reporting or other personal consumer reports

This XXXX  XXXX account balance is inaccurate and was closed without any explanation on why. The balance is current on the account. My account was closed without notice. I would like my account reactivated and/or updated to the accurate balance.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Checking or savings account

XXXXXXXX XXXX made a serious mistake by setting up the account in my XXXX 's name, and I just had Power of Attorney. Therefore they decided it was my XXXX 's money and made the check out to my XXXX. I am furious with XXXXXXXX XXXX for doing this as I was the one who formerly owned the house at XXXX XXXX XXXX in XXXX. So the money was NOT MY DAD 'S MONEY as the first check from the proceeds of the house was made payable to me. So I brought the check in to XXXX XXXX and had my XXXX endorse it and I endorsed it underneath his signature. I put the account number, for deposit only and mailed it to Ally Bank. Due to the check being made out to my Dad and not including my name on the check, the Ally Fraud Department is investigating me and refuses to release my funds. The check was for {$57000.00}.
Product: Mortgage

I am writing to dispute the following information in my file. The essence of my complaint is that my Mortgage Servicing Agent, Nationstar Mortgage,  XXXX , TX  ( Nationstar ) acco unt #  XXXX  misapplied 2 months worth of regular mortgage payments  in 2013, has sin ce returned the funds to me, but will not remove the erroneously reported missed/late payments from my credit history or recognize regular installment catch up payments, instead insisting I pay penalties and interest which have accrued on my loan in arrears. Details are attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am filing this complaint to address the inaccurate and harmful information being reported by the credit bureaus listed below. Despite my efforts to resolve these discrepancies directly with the bureaus, I have been unable to achieve a satisfactory resolution. 

Issues Reported 1. Account Discrepancy Creditor : XXXX XXXX Account Number : XXXX I do not recognize this account, and I believe it does not belong to me. This account is causing significant harm to my credit profile. I request its immediate removal. 
2. Unauthorized Hard Inquiries Multiple unauthorized inquiries have been reported on my credit file, which were not initiated or approved by me. These include : Dates of Unauthorized Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized, and their inclusion on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Consumer Rights Violated Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to : The assurance that my credit report contains only accurate, verifiable, and complete information. 
A thorough investigation of any disputed information, with results provided within 30 days. 
The removal of unverifiable or unauthorized information from my credit report. 

The inaccurate account and unauthorized inquiries have caused harm to my creditworthiness, violating my rights as a consumer. 

Requested Resolution 1. Immediate removal of the XXXX XXXX account ( XXXX ) from my credit file. 
2. Immediate removal of the unauthorized inquiries listed above. 
3. A corrected credit report sent to all creditors who accessed my file within the last 6 months ( or 2 years for employment purposes ).

4. Disclosure of the name, location, and contact information of the parties responsible for furnishing the disputed information. 

Failure to address these inaccuracies will leave me no choice but to pursue legal action for non-compliance under the FCRA. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the credit bureaus take the necessary steps to resolve these issues promptly. 

Sincerely, XXXX XXXX