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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Date:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by American Express On XXXX applied for The XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY HAS BEEN OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION AND NEEDS TO BE REMOVED IMMEDIATELY. THIS IS NOT AN OPEN ACCOUNT AND DID NOT HAVE MY AUTHORIZATION. THIS INQUIRY HAS BEEN REMOVED FROM OTHER BUREAUS BECAUSE THEY IDENTIFIED IT HAS BEEN A FRAUD. SO I WOULD LIKE THIS REMOVED FROM MY REPORT. THANK YOU * INQUIRY - XXXX XXXX Bank XXXX XXXX XX/XX/2022 *
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance {$8300.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXXBalance {$1300.00}
Product: Mortgage

XXXX XXXX XXXX My husband and I applied for a loan through Amerisave Mortgage Corporation and received a pre-qualification letter. 
XXXX XXXX XXXX We made an offer on a property in XXXX NH XXXX XXXX XXXX The purchase and sale agreement was signed by both parties. 
XXXX XXXX XXXX I brought the {$20000.00} deposit check, to be held in Escrow, to the seller 's real estate agent. 
XXXX XXXX XXXX The home inspections were complete on XXXX XXXX 2016, my husband and I were told by the bank that they had all the documents they needed. 
XXXX XXXX XXXX test results received. 
XXXX XXXX XXXX Received the appraisal report, however, since the appraiser did not complete both lots on the property and was required to complete both. ( Which was finally complete on XXXX XXXX, 2016 ). Amerisave continued to communicate stating all they were waiting on to close was the completed XXXX appraisal, and the fire chiefs signature for safety of the wood stove. 
-- -- -With this information we pushed past the original closing date of XXXX XXXX, XXXX -- -- - On XXXX XXXX, 2016 XXXX XXXX from Amerisave told us that they could not approve the loan due to our debt to income ratio being too high. My husband and I own XXXX properties in NC ( both have tenants ) We had moved all of our personal belongings ( which are still in storage ) We are now stuck without a home, and are staying with friends. 
The sellers had moved out and sold most of their furniture, our storage POD at the property had to be moved so the sellers could put the house back on the market. The sellers have hired a lawyer to keep our {$20000.00} deposit. 
Now due to Amerisave 's incompetence my husband and I are going to lose our {$20000.00} deposit, the {$890.00} spent on home inspections, the extra {$1000.00} to move our storage POD back off the property so the sellers could put it back on the market.
Product: Debt collection

I.C. System reports a unpaid credit account in my consumer credit file that I request proper verification. The balance is {$1400.00}, Account No. XXXX, original creditor XXXX XXXX XXXX.. I have never entered into a relationship with I.C. System or XXXX XXXX XXXX.. 

My personal information was compromised in a company DATA Breach and I request I.C. System Inc., to provide all documents they are withholding. Please include all signed agreements, the type of relationship established and if any services provided include those services.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccuracies that I have identified on my credit report : XXXX. **Account Name : XXXX XXXX XXXX* - Account Number : XXXX - Amount : {$XXXX} The collection agency has failed to validate this debt despite my requests. I would like to know how this account was verified. Under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this account from my credit report as its presence constitutes a violation. 

XXXX. **Account Name : XXXX XXXX  XXXX** - Account Number : XXXX - Amount : {$XXXX} According to section 1681b ( g ) ( 3 ) of this title, certain exclusions are inapplicable for information disclosed to persons related by common ownership or affiliated by corporate control, especially with respect to medical information and lists describing or aggregating payment transactions for medical products or services. I request clarification on the verification of this debt and insist on adherence to the privacy requirements stipulated by law. I demand an immediate removal of this account from my credit report as its presence constitutes a violation. 




XXXX. **Account Name : XXXX** - Account Number : XXXX - XXXX : {$XXXX} This account is in violation of 15 U.S.C. 1681i ( 7 ), which pertains to the method of verification. It has been reported without valid evidence to support its validity. I request a thorough reinvestigation and removal of this item. 

XXXX. **Account Name : XXXX** - Account Number : XXXX - XXXX : {$XXXX} In accordance with 15 U.S.C. 1681i ( 5 ), if an item of information is found to be inaccurate or can not be verified after any reinvestigation, it must be DELETED. This account falls under this statute, and I demand that action be taken to correct my credit file promptly. 

XXXX. **Account Name : XXXX** - Account Number : XXXX - Amount : {$XXXX} I am disputing the validity of this account under 15 U.S. Code 1681i. This law requires that inaccurate or unverifiable information be removed from my credit report after a reinvestigation. This account has been reported without valid evidence of its accuracy. I request a thorough reinvestigation and the immediate removal of this item from my credit report.

These errors have negatively impacted my credit score and could result in significant harm to my financial standing. I expect a prompt response to this letter, and pursuant to the FCRA, I request that these disputed items be investigated within the statutory timeframe of 30 days.

Please send me documentation reflecting the outcome of your investigation and the actions taken to rectify these issues on my credit report.

Should you continue to report these items without properly verifying them, be aware that I am prepared to escalate this matter to ensure my rights under consumer protection laws are fully upheld.

Thank you for your prompt attention to these serious matters.

Sincerely, Attachment : copy of the credit report with disputed items highlighted
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus got mad that I disputed a couple of items. Says investigated when didn't and listed account delinquent 5-8 years old as new. Intentionally trying to cause harm.
Product: Debt collection

I was not aware of this debt until XX/XX/XXXX at approximately XXXX when I was served with the legal papers. I initially tried calling the company where the medical services took place. They refused to help me. They said that the debt was too old and that " I should have read my Explanation of Benefits '' or known the terms of my insurance better. As I explained to them, I wait for the bill so that I know that everything is hashed out between the insurance and the facility. I do not even recall receiving an Explanation of Benefits, but I know that I did not receive any letters. When they refused to help me, I called and talked to XXXX at Accelerated Receivables Solutions. When I spoke with her, she let me know that they had sent me 2 letters since the XXXX date of service. I do not recall receiving either of these. The kicker was that she openly admitted that THEY CALLED ME OVER 160 TIMES. I did not receive any messages and like most people, I do not return calls that I don't know and that don't leave a message. XXXX demanded payment in full and told me that the ability to make payment arrangements had passed. I proceeded to tell her that if they weren't even willing to work with me, that I would see what my options I had in regards to harassment as she herself had admitted the number of times that they called. Looking at the math, that would be 1 phone call every 5 days for the past 2 years and 3 months if you are only looking from the date of service from the original debt of XX/XX/XXXX and I am sure that they received it at least a few months after that date which would make the number of phone calls even worse. I would like to know what options I have her and what I need to do.
Product: Debt collection

I pulled my credit and noticed that XXXX XXXX had an account that is in collections of which I have no recollection of and the owed amount is XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX offered me a settlement payment offer which detailed XXXX total payments ( XXXX payments of {$190.00} and XXXX payment of {$200.00} ). Accepting this offer would allow me to pay off the balance and close-out the account early. In completion of this offer within the XXXX payments in XXXX, XXXX, and the final payment in XX/XX/year>. They would report the updated information to the credit bureaus. Unfortunately, when they reported the paid information to the bureaus. They did not correct the " XXXX XXXX '' during those months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have contacted them twice and they haven't fixed the incorrect reporting. 

Thanks, Blessings
Product: Credit card or prepaid card

I got notification that my credit score keep going down. I checked it and I noticed that someone opened the credit card from capital one and closed it with the debts over {$2000.00} under my name. I called to the capital one bank and told them that I never open the bank credit. I never see any bank around my area. They said that was online. I said I never open credit card on online. I only open in person at the bank. They said they will do investigation. They asked me for my Id and my social security. I sent it to them and months later they still sent me the bills. I called them too many times and they kept saying they will doing investigation but also still sent me the bill and amount now going up to {$3000.00}. And my credit score keep going doen.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, OR, XXXX, XXXX XXXX XXXX XXXX, XXXX, OR, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, IL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

To : XXXX Department of Education Student Privacy Policy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CC : [ Name & Address of Credit Bureaus XXXX, Experian, XXXX, XXXX XXXX ] Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions :
Product: Checking or savings account

I received an account closure letter dated XX/XX/year>, saying my account will be closed on the XXXX of XX/XX/year> and the remaining balance will be sent to me via official check. As of today XX/XX/year> i am yet to receive any check and i had a positive balance of $ XXXX in my account before closure. I have attached the account closure letter i received from First Financial Bank.
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 Equifax credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had cancelled my cable service provider in XX/XX/2022. As far I knew, I was caught up bill-wise with them. I then received subsequent charges for after the service was cancelled, as well as being charged for contract termination ( there was no contract ). A couple of months later, I started receiving calls from the collection agency, and received a letter in early XXXX saying they are demanding a total amount ofXXXX ( image attached ). This was simply NOT right! On the bottom was a response form, which per the top, indicated I could respond that I am disputing the amount. I chose that option, and sent the completed form to them on XX/XX/2022. 
Even though I sent in the notice of dispute, a few weeks later I saw on my credit report that the collection agency had posted that debt on my credit, thereby lowering my overall credit score. I was upset, as I had obliged by their requests, and yet they STILL hit my credit. Not having heard anything from the company, I then sent a letter dated XX/XX/XXXX of this year ( also attached ), letting them know that I was upset they had hurt my credit without even contacting me to resolve this. As of yet, I STILL have heard nothing from this company ( it's now XX/XX/XXXX ). 
I'm not sure what this company 's " deal '' is, but I know they have harmed my credit by posting an erroneous collection on my credit report ( which I thought would at least be delayed after sending them my original response, since it was incorrect ). Between that and their complete lack of response, I can only question the legitimacy of this so-called business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was placed on XX/XX/2020, to both Equifax and MD child support for negative marks reported on my credit report. I have not supplied proof under the doctrine of estoppel, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt in fact exists. It has also surpassed 45 days and no response from either company.