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

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

I noticed 3 inaccurate accounts on my Equifax credit profile that you maintain under my social security number, therefore this may be a result of identity theft. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights per FCRA 604 ( A ) ( 3 ), and FCRA section 605B, which details your responsibility to block fraudulent information on my credit report that may have resulted from identity theft. I have filed my FTC and 605 B affidavit. 

( My notarized drivers license for identification and proof of residency is enclosed ). 

XXXX XXXX XXXX Incorrect High Balance Reporting/ Incomplete Account # Reporting Invalid information reporting by furnisher. The Fair Credit Reporting Act 609 ( c ) ( 4 ) requires the furnisher of this information to provide the date and amount of any checks which is based on late payment history by me. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 1 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 )  XXXX XXXX XXXX XXXX- XXXXAccount # Please update this account to show {$0.00} balance " paid in full '' this account does not have a {$5700.00} limit, it is paid off XXXX XXXX Incomplete Account # XXXX reporting and Incorrect high balance reporting NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Inaccurate account not in compliance with FCRA Section 623 ( a ) ( 1 ) ( C ) permanently delete this from my credit file per FCRA 623 ( b ) ( 1 )
Product: Debt collection

I reached out to XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC, in XXXX IL around the beginning of XX/XX/2022 to verify a debt and got a generic response that answered none of the questions that I requested to be answered via my conditional acceptance. The response I was given on XX/XX/2022 also has multiple FDCPA violations furnishing information on a consumer credit report without the consent of the consumer is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OR XXXX XXXX XXXX XXXX SHOWS ME AS HAVING OPENED AN ACCOUNT WITH THEM IN XXXX OF XXXX. I HAVE BEEN FIGHTING WITH THE XXXX CREDIT BUREAUS TO GET IT REMOVED AND THE PROTECT THE BUSINESS SAYING ITS MY ACCOUNT. I HAVE FOUND A GUY NAMED XXXX XXXX FROM XXXX XXXX XXXX IS FROM SHOWED UP ON MY DARK WEB SEARCHES FROM FICO. XXXX XXXX XXXX IS XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER LAST XXXX ARE XXXX IRONICALLY THE SAME AS MINE. HE IS FROM XXXX TEXAS ZIP CODE XXXX AND LAST FOUR OF HIS DL IS XXXX. IT SAYS HE WASINVOLVED WITH XXXX XXXX BREACH WHICH OCCURRED XXXX OF XXXX IRONICALLY THE SAME TIME THE ACCOUNT WAS OPENED BUT THE THRE CREDIT COMPANIES AGAIN TAKE THE WORD OF THE BUSINESS INSTEAD OF TGE CONSUMER. XXXX PHONE NUMBER IS XXXX. AS MUCH AS I HAVE DISPUTED THIS WITH THE XXXX XXXXXXXX AND XXXX SIDING WITH THE COMPANY THIS SHOWS XXXX CONSUMER HAS TO DO HIS ON RESEARCH TO PROVE THE TRUTH AND GET YOUR CREDIT REPORT COEANED UP.
Product: Vehicle loan or lease

Wells Fargo opened an additional insurance claim when I already insurance on added the amount to my monthly premium. When I refuse to pay additional amount, Wells Fargo marked my credit report as me paying car loan 'late '. 

Well Fargo made hundreds of harassing calls to me and when I filed my 1st CFPB complaint XXXX. Wells Fargo informed me that they lost all the records of the calls they made to me. 

Moreover Wells Fargo gave no relief to 2 charge offs on my credit report within 3 months of each other. 

Wells Fargo sent me the title to vehicle I took loan out on with no explanation or apology for what happened at their company with the false insurance. 

Wells Fargo claims they owe me nothing and the case is closed. How convenient.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Synchrony : carecredit closed my account and wrote it off & sold my account to XXXX XXXX and I sent them a debt validation letter which was delivered on XX/XX/2024 which is well past 30 days, no response & as soon as they got the letter they either alerted Synchrony/Carecredit or they themselves then tried to sell my account to XXXX & XXXX XXXX XXXX XXXX ( once they got another address for me ) I would like to file a complaint against these folks because they should have already removed the listing from my credit and not tried an underhanded technique to try to further come for me, especially when the debt has been paid towards twice : Which Is Fraud : See UCC Laws : Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax credit agancy has violated my rights 15 u.s.c 1681 section 602a states i have a right to privacy 15 u.s.c 1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written consent. 
15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this agency has allowed information to publicly furnish against the law in which is defamation to my character please uphold the law and have them remove these items thank you XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX  XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  acct XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting reinvestigation of the inaccurate reporting related to the below-referenced account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The information being reported contains significant inaccuracies, including inconsistencies among different reporting parties, and negatively affects my credit report. Additionally, each of these accounts has been reported with a 1099-C form, which your company has failed to provide. 
USAA Federal Saving Bank acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX XXXX acct # XXXX Your company has reported this debt inaccurately, including profit and loss charges off and bad debt. Furthermore, the reporting across different credit bureaus is inconsistent, further indicating errors in the reporting process. Under the FCRA, specifically 623 ( a ) ( 1 ) ( B ), you are required to provide complete and accurate information to credit bureaus, and failure to do so is a violation of the Act.

FCRA Section 616 Civil Liability for Willful Noncompliance : Under 616, I may seek statutory damages of up to {$1000.00} per violation if your failure to accurately report the status of the debt, including improperly reporting a charge-off while still claiming I owe the debt, is determined to be willful. 
If you fail to comply with my request for a reinvestigation or continue to report inaccurate information, I will be forced to take further action, including filing complaints with the Federal Trade Commission ( FTC ), and the IRS. I may also pursue legal remedies under FCRA 616 and 617, seeking statutory and punitive damages for willful and negligent noncompliance, respectively. 
Please treat this notice as formal notice under the FCRA, and I expect confirmation of your receipt and commencement of reinvestigation within 15 business days.
Product: Credit reporting

Equifax Credit Bureau is reporting unverified accounts on my credit report.m This is in violation of Section 609 of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX  ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX court XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX asking them to send me information on this bankruptcy. That was filed on XX/XX/XXXX and if they reported this information to the credit bureaus. I never received a response even though i sent a self addressed certified envelope along with the request letter. So on XX/XX/XXXX I sent 609 letters to each credit bureau by certified letter. Asking them to look into this bankruptcy, I received a response from Experian. By email stating they verified the account but didn't provide me any proof of how they verified this information.
Product: Credit card

from XX/XX/year> i received from city bank a statement for a credit with home depot that is not mine, same body forged a credit card with my name i contact city bank and they denied the frode they want the payment from me but i never had a credit card with home depot, may be they send one to me without my approval and went to same body else, when i call the bank to locate the account they ask for my social security number and the frode account does not came out so is not associate with my social security number, i think city bank knows that but they do not want take responsability for the charge plus home depot didn't ask when the card was used for an identity card like a driving licence i swear on XXXX that every i wrote is true i am an old man with stage XXXX XXXX and this situation is making me more sick, please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I sent a letter over 45 days ago without a response as per the FRCA. I know the credit bureaus are required to report in a timely manner or they must delete the erroneous items by law.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit card or prepaid card

Hi, I have a XXXX XXXX XXXX. My landlord ( XXXX XXXX ) offered a partnership with XXXX XXXX XXXX XXXX to pay for my rent. This worked fine for about XXXX year. The rent is automatically deducted from my checking account ( XXXX XXXX ). On XXXX the payment went through as usual. However, on XXXX I was surprised to see that I got charged for my XXXX and XXXX rent ( attached are the statements of my checking account and the XXXX XXXX XXXX ). The issue is that XXXX XXXX XXXX  charged my checking account on XXXX for my XXXX rent and also charged my credit card for the same amount. In other words, they charged me twice for my rent. I have tried to find a resolution for this issue, they said that they are going to investigate and that it will take 30 days or more to issue a refund. They refuse to send me a confirmation email so at this point I don't even know if they are going to give me my money back XXXX Charge to my Checking Account : XXXX ( XXXX ) XXXX charge to my Checking Account : XXXX and XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I received a letter that was from XXXX XXXX, with a phone prompt that they needed a call back they were in able to verify my identity when I called the listed phone number on the letter Trans Union with a answering prompts answered and was trying to sell me, identity protection, and charge me for a credit report. Although I answered all the prompts is no at the very end I could not get a representative. They just said they would send me a credit report and its a XXXX XXXX fee.. I feel this was Fraud as a letter stating synchrony bank but the number transfers you to Trans Union credit reporting, who tries to solicit fees from you and you can not say no. When you call all you get is phone prompts you cant deny the charges and they will charge you XXXXXXXX XXXX for a credit report that you did not ask for and did not need. 
To me, I believe this is fraud
Product: Student loan

I have provided Nelnet with a certified XXXX letter asking them to provide the master promissory note to substantiate the debt. No response from debt collector. I feel as if my rights under the FCRA has been violated. Since this debt has not been verified as accurate, I demand that the accounts be removed from credit report. My next course of action will have to be litigation.
Product: Credit reporting or other personal consumer reports

**Subject : ** Dispute of Inaccurate Information on Credit Report under XXXX XXXX  XXXX, and XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card, account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*, specifically XXXX XXXX XXXX XXXX ( correction of inaccurate information ) and XXXX XXXX XXXX XXXX  ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 there was a {$300.00} loan taken out in my name that was not mine from a company that starts with a XXXX I forgot the name but its the only {$300.00} loan taken out in XXXX. I did not make this loan. Also, there have been SEVERAL hard inquires where my credit was pulled that I did not do. These need to be removed from my report. I have tried really hard to bring my score up and this has hurt my score terribly. Lastly, alot of old information needs to be removed from my report please. Also, All the credit cards and loans that were not paid my ex husband ran those up on purpose. All my credit cards, loans, XXXX XXXX, all utilities, he ran everything up as high as he could without me knowing and purposely did not pay any of them and ruined my credit. IfXXXX you could try to get those removed as well I would appreciate it. I would be happy to talk with someone as I know this is alot of information but all of this has ruined me at I time Im desperate and need my credit right now as a single mom. I have other disputes but these are my main concerns right this minute. Please help me get this negative off of my report so my score will increase. I appreciate your help. Thank you ao much. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my accounts, I never applied for it. I didn't sign any contracts with this company.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items 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 relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The following account is fraudulent and unauthorized : XXXX XXXX XXXX, I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Review attached document. I never applied for a XXXX XXXX personal loan. The account is not mine. Its a fraudulent and unauthorized account. My correct date of birth is : XX/XX/XXXX. There person who opened the fraudulent account had a state drivers license in my name, with a picture of me with the date of birth of XX/XX/XXXX.