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

In XX/XX/XXXX, there should only be hard two inquiries on my credit ( there's 6 hard inquiries showing right now ) : The following two are valid hard inquires : XXXX ) XXXX XXXX for car purchase XXXX ) XXXX for car purchase Please remove the following hard inquiries from my credit : XXXX hard inquiries on XX/XX/XXXX ( XXXX XXXX XXXX, Capital One, XXXX XXXX XXXX ) were not authorized And, another hard inquiry on XX/XX/XXXX ( XXXX XXXX XXXX ) was not authorized.
Product: Debt collection

I received a collection notice in the mail from XXXX XXXX XXXX XXXX dated XX/XX/2021 for a debt that was previously paid directly to the creditor, XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$21.00} that was due on XX/XX/2021 to Minute Clinic. 

The notice referenced, This is an attempt to collect a debt. I have made several attempts to contact the company to request a copy of my XXXX balance due letter but have not received the letter in the mail. The company confirmed over the phone that my acct was at XXXX balance. Also, I informed Operator XXXX that my mailing address is the same as the mailing address that they mailed the collection letter to, ( they had the incorrect mailing address on file ). 

Since then I have tried calling the company several times and at different times of the day but I get the answering machine every time. I left a voicemail last week and have not received a call back yet or the XXXX balance due letter in the mail. I would like a copy of this letter for my records.
Product: Credit reporting or other personal consumer reports

The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation my rights. Because ot this, BOTH accounts need to be removed from my credit report inmediately due to not properly validating the information in which a company has passed to you. Please delete inmediately. When the requested above deletions are made, please mail me an updated copy of my credit report you list account one and you list account two. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
1.XXXX XXXX  Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX  XXXX Bankruptcy Case Number : XXXX due to this account reporting in error please delete it
Product: Credit reporting

IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR XXXX OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND XXXX PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. 

LET ME SAY AGAIN,,,,,, I CAN GET MY CREDIT REPORT FROM ALL XXXX AGENCIES WITH THEIR DIFFERENT PAID SERVICES RIGHT NOW AT {$60.00} A MONTH. BUT I CAN NOT GET MY REAL ONE BECAUSE THEIR CONCERNED ABOUT MY ID OR FRAUD. CAN ONLY GET THROUGH THE MAIL. BUT WHEN YOU PAY YOU CAN HAVE YOUR REPORT IN XXXX MIN. BUT YOU HAVE TO HAVE THE REAL XXXX TO DISPUTE. I DONT HAVE TIME TO MAIL THAT XXXX. IM XXXX AND DONT GET OUTSIDE MUCH. THANK YOU
Product: Credit reporting or other personal consumer reports

Dear ALLY FINANCIAL, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : ALLY FINANCIAL, dated XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same XXXX timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Student loan

I am reporting Aidvantage for unfair and deceptive business practices. I obtained loans in XXXX for XXXX XXXX XXXX  and in XXXX for XXXX XXXX XXXX XXXX XXXX. The loans were transferred to them from XXXX who was also mishandling my student loan debt accounts. I found out the CFPB was already investigating Navient for the same issues I was experiencing with them and now Aidvantage. I believe XXXX transferred my loans to Aidvantage because they knew they were in trouble with the CFPB and were getting rid of loan accounts. The loans were transferred to Aidvantage without my knowledge or consent. These accounts have never been handled in accordance with the Fair Debt Collections Practices Act.

I requested loan forgiveness with the XXXX XXXX XXXX XXXX  on XX/XX/XXXX and advised Aidvantage. They continue to demand payment from me and are now threatening to negatively impact my credit reports. I had already applied for the Save plan and received an approval of {$0.00} payment on all loans. I continue to get the run around from Aidvantage. They eventually stated that they would put the loans in a forbearance status, which they did on XX/XX/XXXX. 

But I continue to get letters stating I owe payments on the loan accounts but Aidvantage will not provide me with any documentation to validate their ability to collect the payments. My dispute letters have been ignored and my verbal requests with their representatives to have a Supervisor call me back have been also ignored. They are now saying they're going to start reporting late payments next month in XXXX XXXX need assistance from the CFPB to ensure my consumer rights are not violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed among the potential list of individuals whose information may have been accessed as part of the security breach at Equifax. I am not a recurring customer of Equifax 's so they presumably had my information from the annual free credit report as mandated by the FTC. It seems extremely irresponsible for a consumer credit monitoring company to have put hundreds of millions of consumers ' sensitive information at risk through negligence in the way they seem to have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove : fcra violaitons XXXX XXXX XXXX I XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX I XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX  Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Debt collection

I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report with your bureau. I have identified specific issues that require your immediate attention : an inaccurate late payment entry that persists despite being successfully removed by another credit bureau. 
Inaccurate Late Payment : CAPITAL ONE XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly ask that you investigate these discrepancies promptly and take the necessary steps to correct the inaccuracies on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and I trust that your bureau will uphold these standards.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by PHL XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date. 
Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Contacted Credit Agency Equifax multiple of times regarding fraudulent accounts reporting on credit file, incorrect personal information such as contact number and address, issue with online access to personal credit report and refusal to add/update account with extended fraud alert and consumer statement, incorrect late payments, reporting late payments on charged off accounts, credit denial due to lack of access to credit file after credit file unlocked, failure to send investigation results for disputes on XX/XX/2022 ( XXXX and XXXX ) etc. latest contact XX/XX/2022. I have spoken to multiple of agents from the consumer protection department who has refused to help and has disconnected calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 1XXXX XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXUS DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credt Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 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

I have sent multiple disputes to Experian for the past 3 years trying to get information on my credit report corrected and deleted. Each time I received a letter stating the accounts were validated and no resolution. This has caused me to be be homeless, without a vehicle, denied for employment, Bank accounts, credit and more. 

Below are the dispute results I received with no resolution. 
Report Number : XXXX Date Ready : XX/XX/year> Report Number : XXXX Date Ready : XX/XX/year> Experian has been allowing the debt collection companies update the accounts as if they are current and valid. I have been included in multiple data breaches which has exposed my information and would like all of the negative items on my report removed please.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

In Accordance ; to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 hereby states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2, States ; that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All ( any ) consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) States : that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) States '' Except as authorized under subsection ( b ), infect no consumer reporting agency may also 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I hereby. OPTING OUT of your reporting services.
Product: Prepaid card

I ca n't get my money of my card even when it 's showing up. Now I 'm behind on all my bills everything getting cut off and they adding late fees XXXX transaction they took all my money off and it was never received by the company. I been without my money for two week this is so frustrating. Who gon na help up get our bills back on track. I 'm finding me a lawyer and another card company. Been with this company since 2009 never again will I do this. I have a daughter at home and a father who is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute inaccurate personal information listed on my credit reports. Despite numerous attempts over the years to have this incorrect data removed, all three credit bureaus continue to report wrong names, incorrect addresses, and inaccurate employment information on my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S.C. 1681g ), I have the right to receive complete and accurate information on my credit report. Additionally, FCRA Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies investigate disputes thoroughly and correct or delete any information found to be inaccurate or unverifiable. The persistence of this erroneous data, despite my previous disputes, demonstrates a failure to meet these obligations.

The reporting of inaccurate personal identifiers increases my risk of identity theft and fraud, especially in a world where millions of people have similar names. The FCRA requires that credit reporting agencies ensure the maximum possible accuracy of the information they report under Section 607 ( 15 U.S.C. 1681e ( b ) ). Your failure to maintain accurate records has caused unnecessary harm and confusion.

I am requesting the immediate removal of all incorrect names, addresses, and employment information from my credit reports. Additionally, I am requesting written confirmation once these corrections have been made. Failure to address these inaccuracies properly may result in legal action under Section 616 ( 15 U.S.C. 1681n ) and Section 617 ( 15 U.S.C. 1681o ) for willful and negligent noncompliance, respectively.

Please consider this letter my formal dispute and act promptly to correct my personal information.