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

To Whom It May Concern, I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). 

Please address this matter with the urgency it deserves and provide a written response within the XXXX period as required by the FCRA. I expect a complete and thorough investigation into this matter. Please provide me with my written permissible purpose letter giving you consent to furnish. 

Thank you for your prompt attention to this serious issue. 

attached is my ID, SSN, and Proof of address. Also plea
Product: Credit reporting, credit repair services, or other personal consumer reports

i have noticed several inquiries on my credit report which was not authorized be me
Product: Credit reporting or other personal consumer reports

Greetings, on XX/XX/XXXX I sent a certified letter to XXXX requesting validation of the account listed below. The account does not belong to me and it is causing great strain on my credit report. I have attempted on several occasions to get this removed. Below is the latest certified letter I sent. Please assist me in getting this removed permanently. I do not want a " verification '', I need the account VALIDATED with the original contract sent to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Account XXXX XXXXXXXX XXXX, Account Number XXXX / XXXX Dear Sir/Madam, I am formally requesting validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$21000.00} Credit Limit : {$20000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) Legal Basis for Dispute : According to the FCRA : 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable investigation to verify disputed information. If the information can not be verified, it must be removed from the report.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported.

Requested Information : 1. Complete validation of the debt, including the original creditor 's details and a breakdown of how the balance was calculated.

2. Copies of any documentation that supports the validity of this account. 
3. The procedures used to verify the disputed account and determine its accuracy. 
If you are unable to validate the requested information, I respectfully request that this account be corrected or deleted from my credit report. 
As per the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit file. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I allege Portfolio Recovery Associates , LLC ( will be further referenced as PRA, LLC in this complaint to save space ) has violated several provisions of the Consumer Financial Protection Act of 2010 ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), & Telephone Consumer Protection Act ( TCPA ) and which may include other violations not included in this complaint due to limited space. 
I am unable to attach the following document into evidence but would like to submit into evidence the United States of America Consumer Financial Protection Bureau Administrative Proceedings File : XXXX Consent Order Filed XXXX/XXXX/XXXX in evidence as supportive evidence into my complaint claim. 
First, PRA violated 15 United States Code Sub Section 1692c by several calls using an Auto Dialing Call System at inconient and inappropriate times to include during family members hospitalization and funerals despite being told numerous times to quit calling my cell phone ( TCPA ) which is also a violation of Section 805 ( a ) ( 1 ) of the FDCPA. 
I allege, PRA would call in excess of 4-5+ times a day even after requesting to cease all calls via my cell phone. Those requests were not followed through and would be used as form of harrassment. FDCPA is a law that clearly states out provisions preventing debt collectors from calling at " unusual '' or " inconvenient '' times and can be supported by Cell Phone Record History that is time stamped. 
Secondly, I allege PRA violated several provisions in the Consumer Fincial Protection Act ( CFPA ). PRA engaged numerous acts of " unfair, deception, or abusive act or practices '' of the CFPA 12 USC Subsection 5531 & 5536 ( a ) ( 1 ) ( B ). PRA would never despite even recent requests to dispute, challenge or call into the question of the validity of the alleged debt in question, PRA would never provide ANY documentation correct or incorrect to validate the debt but still would misrepresent the account on Credit Reports as an active, revolving account with PRA in attempts to collect the debt. Reporting inaccurate information is unfair, deceptive and an abusive act of using credit reports in a false manner in order to harm consumers and influence them to pay a debt despite never having that alleged debt dispute validiated. PRA representatives would also allege/threaten legal action if not paid by a certain date ( Several subsections in Section 807 FDCPA 15 USC 1692e here. PRA also engaged in many other forms of false and/or misleading, deceptive acts or practices in violation the the Sections 1031 ( a ), 1036 ( a ) and many others provided under CFPA 12 USC Subsection 5531 ( a ) 5536 ( a ) and others. 
I request that PRA ( 1 ) follow ALL requirements in the Consent Order, ( 2 ) immediately cease all debt collection practices to include the deletion and removal all credit reporting agencies ( 3 ) communicated via mail or via CFPA response within 15 days ( 4 ) the Repayment of and Eligible Restitituion afforded to me from PRA acting in so many violations in accordance to the law or specifically spelled out in the XXXX Consent Order. I submit my complaint to be true to the best of knowlege.
Product: Credit reporting or other personal consumer reports

Under Section 1681o of the Fair Credit Reporting Act ( FCRA ), the liability for inaccuracies on a credit report typically applies to the credit reporting agencies ( CRAs ) and the furnishers of information ( such as creditors or lenders ). 

I am filing this complaint regarding an inaccurate item in my credit report that is negatively impacting my credit. Despite efforts to resolve this its still unresolved. I request an immediate investigation as this does not reflect my true credit history. I would like this to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are violating the law by continuing to report as a charge off each and every month.
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. 
Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. 


XXXX XXXX  : XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I want all monies that were reported to be refunded
Product: Credit card or prepaid card

On XX/XX/22 I was notified a credit card issued by USAA was onmy credit report. After many phone calls with the reporting agencies, i was able to have that corrected. 

-The PROBLEM : The issue is that USAA has established a profile on me, from over 30 years ago, A profile in which " I '' have had NO accounts with USAA XXXX 30 years ago, they said I requested " info '', but that was the extent of the inquiry. " I '' have NOT opened ANY USAA accounts in my life. 

-PROBLEM Cont. : USAA is REFUSING to delete " MY '' profile. If this back is regulated, what gives USAA to maintain my profile, which USAA issued a CREDIT CARD to a Criminal, and NOW, they still want to maintain MY DATA on their servers? USAA were the one that FAILED in this issue, by ALLOWING a criminal, to open an account in my name, and then send it to an address I have not lived in 15 years, the sent AGAIN, to an abandoned hotel, in a state I DONT EVEN LIVE. 

USAA FAILED to protect MY data before, and they SHOULD NOT be allowed to maintain MY DATA against MY WISHES. That is MY DATA, MY INFORMATION, NOT USAA 's.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX. I purchased at least {$12000.00} worth of add on services like extended warranty, rim replacement, dings and dents, etc. 

My car was hit and totaled on XX/XX/XXXX. I have never made a claim against any of the additional services that I purchased. The car is paid off. 

I reached out to XXXX XXXX in XXXX, GA who failed to file the paperwork. 8 weeks later, I reached out again but no one will take my call or return my calls. I tried to contact BMW corporate but they will not assist, because I requested that they verify me with information other than the last 4 of my social security number. I gave the last 7 of the VIN, the number i called from was verified by the automated system, I would give my address. 

The number and address of XXXX XXXX are as follows : XXXX XXXX XXXX XXXX, GA. XXXX ( XXXX ) XXXX. 
The people with whom I spoke there are XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3.00}, XXXX XXXX XXXX XXXX : {$5700.00}
Product: Credit reporting or other personal consumer reports

Note This is NOT a duplicate complaint I provided the sane information to Consumer Financial Protection Bureau and to XXXX as I have to the credit reporting agencies ; all three. XXXX said none of the credit reporting agencies reached out to them or they wouldve investigated further. This has finally been resolved and after XXXX reviewed all of my documentation and investigated further, they determined that what is on my report is a fraud account ; identity theft. They watch me through the process of filing an identity theft report with FTC. That was done XX/XX/XXXX. They informed me that they sent notification to all of the credit reporting agencies to remove XXXX off of my reports. In speaking with the credit reporting agencies, especially XXXX, Im hearing that theyve done enough investigation and disputes will not do any further although new information has been sent to them by the credit reporting agencies.
Product: Debt collection

There is a parking violation for the city of New york on my credit report and I have never been outside the state of XXXXXXXX
Product: Credit card

I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. I have not heard back from US BANK and I need this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their court. Please provide proof from the court of this public record. I never filed bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately
Product: Credit reporting or other personal consumer reports

I uploaded the neccessary documents that they requested ( FTC ) report and I also sent in dispute letters now three times. My next step is to take legal action if this isnt taken off in rapid time. this is holding me back from what i need to do for my life
Product: Credit reporting or other personal consumer reports

I have attempted over several months to have my transunion report unfrozen. Each attempt, I am told by an agent that it is in fact not frozen. However, each time my mortgage broker or other creditor attempts to view my report ; it is frozen. I am unable to view my services or manage my profile on their website either. Transunion is denying me my right to manage my own credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX From Wells Fargo has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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 reason.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Account XXXX XXXX Account # XXXX Date Opened : XX/XX/2017 High Credit : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed disputes in regards to my payment with Equifax about my reported payments on my Mortgage account. As of today the payment has not been reported. I appears that Equifax is taking its time to update incorrect information which delays the reporting of the correct Credit Score. 

This appears to be a deliberate act. I also dont understand how my scores are moving by XXXX, XXXX and XXXX points with all the no reported payment being corrected on other accounts.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

see previous cfpb complaints # XXXXXXXX XXXX XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

Per my previous complaint against the bank I spoke with PNC bank corporate and was told that they were crediting the account and that I would have a balance of negative {$140.00} that I could bring back positive by making deposits when my social security hits which is on the first and third of every month. The representative told me that she would put a note on the account not to close the account since at the time of the initial complaint the account was over drafted for a while. 

PNC did not honor the terms previously discussed and agreed upon they instead closed the account and increased the amount from {$140.00} dollars to more than {$210.00} dollars so they just completed lied about the resolution terms and retracted the agreement previouslt agreed upon.
Product: Credit card or prepaid card

I opened a business line of credit with Chase after receiving their solicitation for such many years ago. After receiving the first statement with {$150.00} fee, I decided I did n't want it because of the annual {$150.00} fee and the high interest rate. The account has never been used and I 've tried on several occasions to close it. I thought they had closed it, but now after several years, they are refusing to close the account until I pay them {$750.00} in fees they 've racked up, and my branch manager told me they are going to keep it active and will keep accumulating the annual fees until I pay the fees they have already assessed. This feels very illegal, basically locking me into a product I do n't want so that they can continue to extort annual fees.
Product: Credit reporting or other personal consumer reports

I have tried to reach out multiple times to correct all of the incorrect names and addresses that are attached to my credit reports. This has become a huge hindrance in me being able to move forward in my life and I need my full name and correct address to be updated by XXXX, Equifax, and XXXX. I attached my correct name and address via my bank statement and my profiles need to be updated with only this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for verification through the credit bureau on this account and have received nothing. It is being listed as a chargeoff on my credit report