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

This is my formal demand regarding the information reported by your company related to account number XXXX on my credit report. Despite my previous requests, you have repeatedly failed to provide the legally required documentation substantiating your claims that this information has been verified. 

Let me remind you of your obligations under the Fair Credit Reporting Act ( FCRA ) : Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information to determine its accuracy. The burden is on you to ensure that the information you are reporting is accurate and verifiable. 

Notification to the Furnisher Per 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), you are required to notify the furnisher of the disputed information within five business days of receiving my dispute. This notification must include all relevant information I submitted. I demand proof that this notification was sent, including the date and content of the communication. 

Documentation and Evidence Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a detailed description of the procedures used during your reinvestigation. This includes documentation or evidence that was used to verify the accuracy of the information and the contact details of the data furnisher. To date, your responses have failed to meet this legal standard. A mere statement that the information has been " verified '' is wholly insufficient and violates the FCRAs requirements. 

Deletion of Inaccurate Information If you can not substantiate the accuracy of the disputed information with appropriate and detailed documentation, you are required to delete the item under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Your failure to do so constitutes a breach of your legal responsibilities. 

Your repeated failure to provide written evidence of verification raises serious concerns about the accuracy of this account. If you do not comply with this demand, I will explore all legal remedies available to enforce my rights under the FCRA, including potential litigation for damages caused by your non-compliance. 

You are hereby directed to : Provide a detailed description of the verification process, including all documentation and evidence supporting the accuracy of this account. 
Confirm the date and content of the notification sent to the data furnisher regarding this dispute. 
If you can not substantiate this information, delete the disputed account from my credit report immediately. 
You have 30 days from the date of this letter to comply with these demands, as stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to respond in full within this time frame will result in further action.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized hard inquiries on my report on or around XX/XX/year> which I did not authorize.
Product: Credit reporting or other personal consumer reports

I use Credit Karma. 

I am rebuilding my credit. 

They showed me very attractive car refinancing rates. And the disclosures were not readily apparent. They made it sound like I qualified for the very low APR. I then applied for a refinancing of my used car. And the bottom line is that I wouldve only saved {$20.00} Per month on my loan when their ad told me I would save at least {$100.00}.
Product: Checking or savings account

I have a checking account XXXX that was being charged a fee of {$40.00} and {$41.00} that I'm soposed to have in my banking account because of the measure was reported to the XXXX  XXXXXXXX to resolve the dispute to the bank Capital One with the account ending in XXXX checking. The dispute is wrong fee charged to me for my checking account and is in the total of {$82.00} along with the two charges of {$0.00} and {$0.00} dollars to a total of {$82.00} from the dates XX/XX/XXXX and the dispute charges were given on XX/XX/XXXX as a whole and then taken on the XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am disputing an inaccurate late payment reported on my credit report for the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX Creditor Name : XXXX  Account XXXX Date of Reported Late Payment : XX/XX/year> Creditor Name : XXXX XXXX  Account XXXX Date of Reported Late Payment : XXXX, XXXX, XXXX, XXXX XXXX, XXXX Creditor name : XXXX  Account XXXX Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they send the required statement at least 21 days before the payment due date. I did not receive the statement in time, and my payment should not be marked late.

In addition to 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802 I request that you complied with this law Correct or remove the late payment from my credit report.

I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 

I trust that you will take this matter seriously and resolve it immediately. 

Sincerely, XXXX XXXX
Product: Credit card

XX/XX/24 and XX/XX/24 I called Lowes Credit Card Company My Lowes Rewards and Lowes My Lowes Advantage card was changed to a My Lowes Reward Card. I did not request this I am now being charged a {$190.00} for a paper copy of my bill. I did not agree to this. Their only solution is for me to do E Billing. I do not want to do E billing I prefer to pay my bill with checks I want the card changed back to a My Lowes Advantage Card or to receive paper bill with no fee
Product: Debt collection

XXXX sent me to collections for my final bill that i never received. i paid it as soon as i found out and they will not remove from my credit. it is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for XXXX Credit Card around XXXX with a credit limit of {$2500.00}. I used the card twice to make purchases and paid them off, but after making a 3rd purchase of {$1800.00}. The company approved my purchase but a couple of months later reduced my credit limit to {$1600.00}. Making my purchase be over my limit. 

I called to see why and have been told that the credit bureaus informed them that that was the highest amount that I could be approved for. 
I contacted the bureau was told that they did not inform them of this. 
I contacted XXXX again and they insist that this is what has happened. 

I am truly annoyed by this because of the impact on my credit report it shows that I went over my credit card limit and I did not. What can I do? 
Please assist me with this matter and I truly thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This my final warning that I explicitly explained to you this account is not accurate and not complete and you have continuously keep reporting this account 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX XXXX. I called Experian and was trying to explain that I need an address removed from my profile. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX # XXXX ( Multifamily ) I do not recognize the account, XXXX it got XXXX XXXX XXXX XXXX? They had no idea why I am calling I explained they never heard of me. Experian claims this account is associated with a creditor and would not say who? I need help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX This account is paid and resolved and settled. They will not entertain anything to remove it. Please help! 
Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my bank and myself have tried to get these XXXX  to correct my balance to XXXX. They don't seem to understand that my original loan was incorrectly input into the system so the bank changed its status and re-reported it. They closed the incorrect loan and reported it as a collateralized loan but I then paid off the entire loan on XX/XX/XXXX. I have spoken many time with both Equifax and XXXX and they can't figure out their XXXX from deep center field. I have even sent them legal documents from XXXX showing the loan to be paid in full on XX/XX/XXXX, ( not to be confused with the original loan paid off in XXXX ). There should be 2 loans for the same amount, both paid in full. One loan paid off in XX/XX/XXXX and the other paid off on XX/XX/XXXX reported XX/XX/XXXX. I am going to attach the paperwork sent to the credit bureau and to me. It is the loan being released and paid from the State of AL to XXXX XXXX head of the loan XXXX XXXX XXXX Bank. At this point I am going to obtain legal counsel and then they will be paying for my legal bills. I am trying to refinance my house on a lower APR and they are causing me harm and if my rate goes up because they will not remove the inaccurate information, then my only option is to sue for the difference in my APR over the life of the loan. It seems both XXXX and XXXX have educated people working for them, instead of XXXX. I don't understand why they can't figure this out. It is simple and it has been a problem since my update. They also did not update my information for 2 months, which is inexcusable. They need to hire more highly skilled people instead of people that didn't graduate High School.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I noticed that Equifax was reporting addressses that I've never lived at before. I sent the a copy of my drivers license showing the correct address along with another proof of address and they still refuse to update the information on my credit file.
Product: Debt collection

Please stop emailing me. Please stop calling me. Please stop texting me. Please remove from my credit report. I have no idea what this is.
Product: Debt collection

Plusfour is trying to collect a debt of {$5.00} that was paid. I sent them a copy of my check for XXXX $ paid to XXXX XXXX. I contacted XXXX XXXX and they told me I had no balance owed. I want this XXXX  $ removed from my credit report. It was from XXXX. I disputed with XXXX and still no results.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Payment amount {$640.00} Payment date XX/XX/year> XXXX account number XXXX Current creditor XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX Original creditor XXXX XXXX Bank, XXXX. 
XXXX XXXX XXXX, XXXX. account number ending in XXXX
Product: Student loan

In XXXX, trying to speak with someone to help with information on forbearance lead to delay in my mortage and significant loss. The amount of interest on the principal that was an increased tuition quarterly.
Product: Credit card or prepaid card

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

Wells Fargo settlement. I had a mortgage, checking and savings.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccuracies on my consumer report a charge off account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should only be reported with 1 accurate date this violates my Fcra rights usc 1681b ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Please make a thorough investigation on the following : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX Former : XXXX XXXX XXXX : XXXX XXXX Employers : XXXX XXXX Date of Birth : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was scammed into believing that I was being helped. I bank with Wells Fargo. 

A man had written me a check for {$2200.00}. He said I could keep XXXX of it as long as I sent the remainder to a " colleague '' through XXXX. On XX/XX/2020 I had sent over the first transaction for {$500.00}. Then the next two days I had also sent an additional {$500.00} both days totalling {$1500.00} for all three. On XX/XX/2020, the check that I had deposited was marked item returned unpaid and my account was down in the negatives. I immediately filed a claim with wells fargo. For a week, I did not hear from them. Then I was receiving all of these emails and notifications for bank fees, during which I had no money. Then today, XX/XX/XXXX, I was locked out of my online banking. For hours, I had to gain access to my account again. During a final phone call of the day, the woman on the phone with wells fargo had told me that there was nothing they could do since it was authorized through XXXX. I do not find this to be fair or just that a scammer can get away with my {$1500.00}. I had asked if I could at least get all of the bank fees that had occured due to not having sufficient funds on my account, but I was not granted so.
Product: Credit card

I tried to renew my subscription to software from XXXX and the transaction was declined. Goldman is saying it was a network issue but another card worked without issue. They cant seem to explain why I cant use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe my last request you claim that you didn't understand. 
So let me be very, very clear! 

Please remove the following address from my credit report as I have not ever at any point in my life lived at those listed address! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These do not belong to me or have ever belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} H & R ACCOUNTS INC XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report I am writing to express my concern regarding Experian 's denial to follow up on my investigation. Recently, I was informed that the CFPB has filed a lawsuit against Experian, alleging that the company accepts unreliable information and fails to notify consumers of dispute results. This aligns with my experience, as Experian has not attempted to remove or correct the derogatory remark on my report. I request that this information be removed or corrected immediately, as it is affecting my ability to obtain a house, car, etc. Experian 's actions violate my rights as a consumer and federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion regarding an issue with my credit report. Upon reviewing my credit report through my report provider, IdentityIQ, I discovered that there is no data, scores, or other important information present in my report. 

This missing information is concerning, as it affects my ability to monitor my credit status and ensure the accuracy of my credit history. I rely on this information to manage my financial well-being, and the absence of such critical data hinders my ability to make informed decisions. 

I am requesting that XXXX, XXXX, and TransUnion promptly investigate this matter and take the necessary steps to resolve this issue. I would like my complete credit report, including all relevant data and credit scores, to be accurately reflected and accessible through IdentityIQ.
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 items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested to Have item removed because I Am a victim of fraud they said information was verified which is False I requested Proof of Validation They failed to reply its been past XXXX
Product: Money transfer, virtual currency, or money service

I 've been having issues with my XXXX. Coinbase had me start a new account in XXXX and I never got my BCH from the fork in my new account. I 've been trying to get a hold of support and they 've only sent out a blanket statement saying they are busy. 

Today, I try to log into my new account and it 's locked under XXXX again. I do n't have access to my XXXX XXXX app and I 'm stuck. No one is answering the phones and I 'm getting nervous about my money sitting in limbo.