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

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit card or prepaid card

I applied for an Old Navy credit card and was sent a letter of denial. The reason stated for the denial was " You had a credit account recently closed by Synchrony Bank ''. There was no credit report pulled because they did not list one on the denial letter. They did not include any information on the denial letter for me to dispute the denial. 

I haven't had any accounts that were my responsibility with Synchrony Bank that recently closed. 

I was an authorized user on some Synchrony Bank accounts that were closed. 

I feel as if they didn't give my application and fair and reasonable review.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

The inaccurate accounts in question are as follows : XXXX XXXX XXXX XXXX, fraud account XXXX XXXX XXXXXXXX, fraud account XXXX XXXX XXXX XXXX XXXX, too old to be on credit credit XXXX XXXX XXXXXXXX, paid balance I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. 

I am requesting the following actions from Experian through the CFPB : Conduct a proper and thorough investigation into the accounts I've disputed. 
Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
Remove any inaccurate or unverifiable information from my credit report immediately. 
I am attaching all relevant documents, including dispute letters, Experian 's responses, and supp evidence, to this complaint for your review. 

Thank you for your assistance in addressing this matter and ensuring that Experian complies wi federal laws to protect consumers like me. 

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

I discovered on my report inconsistency with the condition of the account. By law it is my right to have everything reporting on the said account is absolutely accurate. It seems to be innacurate and iconsistent amongs all 3 bureaus.
Product: Credit reporting or other personal consumer reports

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX at XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. This debt was already deemed invalidity by another debt collector XXXX XXXX for the same company. Please see the attached.
Product: Debt collection

This is not my debt. My name is XXXX not XXXX. They are trying to add a debt to my credit report that does not belong to me They also have no physical proof of a document that shows I physically signed anything.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX DATE : XX/XX/XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau, I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

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

On XXXX, I sent an email to Lexis Nexis stating, I XXXX XXXX XXXX XXXX DOB XX/XX/XXXX, share the same name as my father, XXXX XXXX XXXX DOB XXXX 
I am disputing any policies, and claims with policies on my Lexis Nexis XXXX  REPORT that are being shared with anyone other than XXXX XXXX since XXXX. We have only had insurance through XXXX  and XXXX since XXXX. 
My father is showing up on my XXXX  report. XXXX XXXX has mistakenly reported that I have been a policyholder. I have not held any policies with XXXX XXXX  since XXXX. 
Since XXXX, I have only been a policy holder with XXXX XXXX XXXX with XXXX  and XXXX. I have not shared State Farm policies with my mother XXXX XXXX XXXX, sister XXXX XXXX, brother XXXX XXXX XXXX or cousin XXXX XXXX XXXX 
I am available anytime at XXXX Reach out to me by phone or email. I am willing to provide whatever you all need from me to correct this as soon as possible. 

On XXXX, I submitted my dispute by email and included a copy of my clue report with highlights of my disputed items, an itemized list of my disputes, supplemental insurance and identification information. The reason I sent an email first is because of difficulty I had with their online tool to submit documents does not work hardly at all. I continued to attempt to send it though their online tool using multiple computers and browsers and after 2 days of attempts through multiple computers and browsers, I was able to submit it. 

After hearing nothing by email for phone, I reached out today XXXX  by phone asking for any updates. It has been more than 30 days since my first email to them asking for resolution and 2 weeks since I submitted my dispute by their online tool. I was told they didn't have anything about my claim and asked for supplemental information which i was again unable to send by their online tool and submitted to their email. 

I have talked to XXXX XXXX  and they have corrected their reporting to Lexis Nexis but there are several other problems with my XXXX  report I need corrected ASAP so i can get auto insurance again. 

I still feel like nothing has been accomplished with Lexis Nexis. They have given me two case number. Previous case number is XXXX  and new case number is XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$890.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/20XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

In XXXX XXXX, I observed a decline of over XXXX XXXX  in my credit score linked to Jefferson Capital , a company I believe XXXX enlisted to collect a debt wrongly attributed to me. Despite providing a recording from XXXX acknowledging the fraud, they insist on a police report, contrary to their policy. I declined to obtain a police report, and they persist in keeping the issue open, neglecting to resolve the erroneous debt. If you have an email, I will be happy to send you the voice recording between XXXX and myself.
Product: Debt collection

I have 2 collections/ charge off on my account from XXXX XXXX I have been going back in forth with XXXX XXXX and t=have requested that they send me the " debt validation '' witch they stated in writing that they can not provide. The debt has been charged off and has been assigned to a 3rd party debt collection agency which is illegal. I would like this debt removed from my credit profile immediately or the next step will be taking XXXX XXXX to court. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX BALANCE : XXXX OPENED DATE : XX/XX/year> STATES : RELATIONSHIP TERMINATED - DEROGATORY COMMENTS ON ACCOUNT INACCURATE DEBT OPENED DATE : FRAUD INACCURATE CREDIT LIMIT AMOUNT : FRAUD TERMINATED LINE OF CREDIT BY THE CREDITOR NOT ME CREDIT LINE WAS LESS THAN THE TOTAL HIGH BALANCE OF : {$890.00} *FRAUDULENT CREDIT REPORTING* ATTACHED : AFFIDAVIT OF FRAUDULENT REPORTING CERTIFICATE OF FCRA VIOLATIONS FINE DISPUTE FORM COMPLETED/INCLUDED DIRECT DEPOSIT VICTIM INFORMATION XXXX XXXX IDENTITY ALERT CREDIT REPORT : FOR COLLECTIONS HANDWRITTEN DISPUTE OF ACCOUNT BECAUSE OF FRAUDULENT CREDIT REPORTING RESTITUTION : {$8000.00} FINE
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I am writing to file a formal complaint against Capital One for improper use of my consumer report and continued reporting of an account that was allegedly included in a bankruptcy in XXXX. I have contacted Capital One, expressing my desire to opt out of any use or sharing of my nonpublic personal information, and despite my efforts, the issue persists. 

Capital One has improperly used my consumer report in violation of my rights. Despite my clear indication to opt out of any use or sharing of my nonpublic personal information, Capital One has continued to access my consumer report without authorization. An account that was allegedly included in a bankruptcy in XXXX is still being reported by Capital One. This reporting is inaccurate and has a detrimental impact on my credit history. 

I have previously contacted Capital One XXXX XX/XX/XXXX by telephone and by notorized formal written request, to address these issues and have opted out of any use or sharing of my nonpublic personal information. Despite my efforts, the problems persist, and I have not received a satisfactory resolution from Capital One. 

I request that the Consumer Financial Protection Bureau investigate the improper use of my consumer report by Capital One and their continued reporting of an account supposedly included in a bankruptcy. 
I request that Capital One be required to promptly remove any nonpublic personal information they have inappropriately accessed or used. 
I request compensation to the maximum extent allowed by law for the inaccuracies in reporting, the improper use of my consumer report, and any resulting harm to my financial standing.
Product: Debt collection

I have requested proof of validation on several occasions from the collections company ( CLTRCBINC ) in XXXX. The company mailed a letter to a home I own and have never resided at. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. This company whom I have never had a contract with provided an address in XXXX, GA  when I reached out to them. I have never lived at the address and have not lived in XXXX, GA. I live in XXXX, MD and have lived in MD since XXXX, this company is not licensed to collect in the state of Maryland. Since they failed to send me the requested proof, I want this account to be closed and removed from my XXXX credit reports. XXXX, XXXX and XXXX have not complied with the law and accurately verified my information as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request a thorough investigation into the account information related to the alleged fraudulent account, which XXXX XXXX claims to be mine. I believe that XXXX XXXX XXXX actions in this matter are in violation of federal laws, including 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I am seeking resolution and clarification regarding the following matters :
Product: Credit reporting or other personal consumer reports

I have notice that I have 8 unauthorized inquiries on my Equifax Credit Report. I never authorized anyone to look into my credit. There is an unknown address on my credit file that I don't recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Debt collection

I sent in a debt validation letter on XXXX They sent me a verification letter With my medical records and a list of my procedures. Which I know is a direct violation of HIPPA regulations. I never signed a form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately!
Product: Debt collection

Hello, I contacted I C SYSTEM, XX/XX/XXXX in regards to a collection account that is on my credit file showing I owe {$180.00} for a XXXX Account from XXXX. I being charged for equipment that I returned
Product: Credit reporting or other personal consumer reports

I submitted my dispute on XX/XX/year> and I expected Experian to conduct a full and impartial investigation into the inaccuracies in my credit report. However, based on their response, it is evident that the investigation was incomplete and failed to address the details I provided. Specifically, I did not receive a thorough review of the evidence, nor was there an explanation of the steps took to verify the accuracy of the information in question. 


The lack of proper investigation and failure to update or resolve the dispute in accordance with these regulations constitutes a violation of both the FCRA and the XXXX. I request that you revisit the dispute and provide a detailed explanation of the investigation process, including the specific actions you took to resolve the matter. I also want to request proof that XXXX XXXX has the following items : a copy of the original contract with my name and signature listed, payment history from the original creditor, name and address of the original creditor, and proof of ownership that they were assigned this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Equifax on XX/XX/2021 for the XXXX XXXX  that is on my credit and any remaining accounts that were included in the XXXX. At first I was not getting any responses from Equifax so I sent another dispute on XX/XX/2021 and XX/XX/2021. For the disputes I sent on XX/XX/2021 I finally got a mailed response from Equifax but it was false! They claimed that they verified my XXXX  with XXXX XXXX but that's not possible since my XXXX XXXX report is frozen and doesn't allow to verify nor does it even show the XXXX because it's frozen!
Product: Mortgage

Our loan was transferred to Selene Finance in XXXX of XXXX. In XXXX of XXXX I received a credit alert from XXXX that there was a negative report from Selene Finance. The credit alert shows that Selene Finance reported the account with XXXX in XX/XX/XXXX as CO and modified. We never did a loan modification with Selene Finance at any time. The only loan modification occurred with the previous servicer in XXXX of XXXX. Selene Finance has no right to file a negative credit reporting for a modification that occurred almost 4 years ago with another servicer. I contacted Selene about their error and was told that they are properly reporting the loan, and there was nothing they needed to do. Not only was the loan not charged offed, Selene Finance is reporting the loan modification, which occurred almost 4 years ago with another servicer, as though it just occurred with them, which means it will remain on my credit report for seven years. Selene has wrongfully and purposefully reported something that negatively impacted my credit, and is refusing to correct it.
Product: Credit reporting or other personal consumer reports

I did not authorize these hard inquiries appearing on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
Product: Debt collection

Common wealth financial reporting on my credit report and it's violating HIPAA law and I would like it removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 

Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Late Payment Date : XX/XX/XXXX Late Payment Date I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account****XXXX to report ON-TIME and/or CURRENT payment in XXXX. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>