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

I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX Card, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and, XXXXXXXX XXXX services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.
Product: Mortgage

I applied for a home equity line of credit from Bank of America mortgage department on or about XXXX XXXX, 2015. 
After months of delay, we were told by XXXX XXXX, manager, XXXX x XXXX that they should have the information available by Friday XXXX XXXX. They did not call and we have not heard a word since. The following week they were called and told to stop the application and return all of the reams of information that they required immediately. 
Again no response.
Product: Debt collection

I received a notification on XX/XX/2020, through my credit cards credit report tracker, that a new account was added to my credit file in the form of a new collection account that I am not aware of ( XX/XX/2020 ). These are the details of the new collection account that my credit card provided below : Account Details : Bureau Name : MIDWEST RECOVERY SYSTEMS Original Lender : XXXX XXXX XXXX  Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$280.00} Amount due : {$310.00} Payment Details Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported I have no knowledge of this account and received no correspondence from Midwest Recovery Systems about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : 1. XXXX XXXX XXXX  *Account # XXXX 2. XXXX XXXX *Account # XXXX 3. XXXX XXXX  *Account # XXXX 4. XXXX XXXX XXXX *Account # XXXX 5. XXXX XXXX XXXXAccount # XXXX 6. XXXX XXXX XXXXAccount # XXXX 7. XXXX XXXX  *Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an inaccurate collection on my records, for which Experian is the only one who is reporting this inaccuracy, after long disputes they have not removed this collection from my records. i have tries to contact the collection agency but they do not response when i leave messages, and their address is inaccurate and all the letters com back to my address.   please help me to remove this inaccuracy from my records.   thank you
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal Subject : Formal Dispute of Inaccurate Credit Report Information & Request for Debt Validation Account Numbers for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I, XXXX XXXX , hereby initiate a formal dispute regarding inaccurate and unverified information appearing on my credit report, specifically related to the above-mentioned accounts. Despite previous communications, these discrepancies remain unresolved, directly infringing upon my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please be advised, the continued reporting of these accounts without proper verification and validation constitutes a direct violation of 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681c-2 ( FCRA ). As no concrete evidence of my obligation to the aforementioned accounts has been furnished upon request, it is your legal responsibility to remove any negative or adverse remarks forthwith. 

It is imperative to note that any negative remarks found on my credit report are a violation of the FCRA when you can not furnish the validity of the said remark. To reiterate, I do not dispute the ownership of the account. However, if you are unable to provide full reports detailing how you have validated, verified, and ensured compliance with all reporting laws and regulations, you must remove the account from my credit report. 

Moreover, I demand immediate correction of these inaccuracies and, should this dispute necessitate it, I expect compensation for the mental and financial distress this matter has caused, as per 15 U.S.C. 1692g. 

Given the gravity of the situation and to ensure all due processes are thoroughly followed, I am concurrently sending copies of this dispute to relevant regulatory and legal bodies, including : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX  State Senate Federal Deposit Insurance Corporation ( FDIC ) Comptroller Of The Currency Federal Reserve System Federal Trade Commission ( FTC ) State and California Regulatory Agency Division of Consumer Complaints Please find enclosed, as exhibits, the documents highlighting the discrepancies in question, including evidence of the alleged debts and communication with your offices. 

I request a prompt response to this dispute within 30 days, as stipulated by law, detailing the actions taken to resolve the inaccuracies. Failure to respond or adequately validate the debt will necessitate further action, including but not limited to legal recourse. 

I appreciate your immediate attention to this urgent matter. 

Best regards, XXXX XXXX XXXX [ AGENT/BENEFICIARY ] WITHOUT PREJUDICE, UCC 1-308 All natural inalienable rights reserved Enclosures : Exhibit A : Correspondence with XXXX XXXX XXXX Exhibit B : Credit Report Discrepancies Exhibit C : Documentation of XXXXXXXX XXXX XXXX status and request for validation
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

Dear XXXX XXXX XXXX, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX XXXX to your agency [ Experian/TransUnion/Equifax ] XXXX and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit report. 

Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least XXXX days before the payment due date. This is an essential element for justifying any late payment reporting. 

Requested Documentation : In order for XXXX XXXX XXXX XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : XXXX. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 
XXXX. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe. 

Notice of Requirements : In accordance with Rule 1002, you are required to provide me with the requested documentation within XXXX calendar days of receiving this notice. 
Please be advised that merely asserting the information is accurate is not sufficient. 
Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( XXXX ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for Action : If XXXX XXXX XXXX XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of receiving this notice. 
Late Payment ( s ) in Question : XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the disputed late payment entry has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX XXXX, XXXX {$0.00} / XX/XX/2021 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, and XXXX XXXX, I have sent XXXX XXXX, XXXX and Experian, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXX, VA XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my Virginia Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccuracies on my credit report with transunion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX - XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy in confidentiality under 15 U.S.C. 1681. 

Progressive : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX : 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. 

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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
BRIDGECREST XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or BRIDGECRESTcustomer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. 
Thank you for your prompt attention to this matter, and I look forward to a positive resolution.
Product: Credit reporting or other personal consumer reports

I made monthly payments on my XXXX plus card by XXXX Bank and paid in full, they went ahead and closed my account with out even notifying me.
Product: Credit reporting

I received the attached letter from Eqifax dated XXXX/XXXX/2016. They stated " We have reviewed the inquiry information. The results are : This inquiry has been deleted. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX '' I called XXXX and they have to factual record as equifax likes to call it so they advised I call Equifax. Called equifax and the first agent told me lies. I got transfered to a superviosr who stated she could not pull up any of the letters which equifax sent me because they are not factual. She stated she would place me on hold and " research this '' she hung up on me. I called ack and got transferred to another sup. They stated they saw the letter but they cant do anything on there end regardless of what the letter states. I asked him then what was the point of thel etetr stating something would be done and it hasnt. He stated the info a previous agent provided was incorrect as they have NO way on disputing anything on their end. everything is done through the company. ore lies. The supervisors agent id : XXXX. If a company sends you a letter stating something will be done..then one would assume it would be done. I guess Eqifax is different. The date of the inquiry to be removed is XXXX XXXX, 2016. 
- XXXX XXXX XXXX, 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for further consideration regarding an increase in my credit score, but as a result I have been retaliated against and my credit scores have gone down over XXXX points. Please notate that photo of a " XXXX '' thumbs up! This photo issued by the credit reporting agency shows discrimination and I am not certain what my next course of action will be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call XXXX and told Them That XXXX  XXXX XXXX XXXX shouldn't be showing on my inquiry on XX/XX/XXXX because I haven't apply for no service with XXXX  XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -XXXX XXXX EQUIFAX inquiries listed incorrectly doesn't belongs to me XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX incorrect inquiries don't belongs to me XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing this inquiry for several month now. They have a derogatory account of {$61.00} when all my payment have not only been paid on this account in full but on time. This has negatively impacted my credit score and Ive showed them countless time that I have proof of this payment coming directly out of my checking account. They fail to take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in XXXX XXXXounds of disputes to Equifax asking them to remove these collections accounts from my credit report. The account are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Ive ask for this items to be removed because of illegal collections fees, Ive also asked for the original contracts as well and they werent provided.