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

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FRCA ), 15 U.S.C.1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$80000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the inaccurate reporting of an account on my credit report, as outlined below. This account does not belong to me, and I have no knowledge of any contract or agreement with the listed collection agency. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute incomplete or incorrect information in my credit file. 

Disputed Account Information : Creditor Name XXXX M & M Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Provisions Supporting My Dispute : 15 U.S.C. 1681e ( b ) : Duty to Ensure Maximum Accuracy Credit reporting agencies are required to adopt and follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. 

15 U.S.C. 1681i ( a ) : Consumer Disputes and Reinvestigations When a consumer disputes the accuracy of any item in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. If it can not be verified, the information must be deleted.

15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of Unverifiable Information If the credit bureau can not verify the disputed information within 30 days ( or 45 days in certain circumstances ), the disputed account must be removed from my credit report.

15 U.S.C. 1681b : Permissible Purposes for Consumer Reports The account in question appears to have been added without a permissible purpose, as I have never authorized this account or engaged in any transaction with the creditor.

15 U.S.C. 1681s-2 ( a ) : Responsibilities of Furnishers of Information Furnishers of information ( like M & M Credit ) are required to report accurate information and must promptly correct and update information when it is found to be inaccurate.

Request for Immediate Action : I request the following actions : Verification Provide evidence of this debt, including any signed contracts or agreements bearing my signature. 
Deletion Remove this account from my credit report if the creditor can not provide verifiable proof that the account is accurate. 
Notification Inform me of the results of your investigation, as well as whether any changes have been made to my credit report. 
Failure to comply with the FCRAs provisions may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. I trust that you will handle this dispute promptly and in compliance with federal law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me of any updates regarding my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX.
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying Transunion that I dispute these alleged debts pursuant to 15 USC 1692g. I request that you provide me verification of these alleged debts. Verification of this alleged debts., Verification consists of proof that this alleged debt belongs to me, a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt Is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collections of this alleged debt which includes reporting to my consumer report with Transunion. 

Furthermore, I did not consent to having my personal and private information. This constitutes aggravated identity theft. I also did not consent to the reporting agencies to report the below collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley AcXXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading. 

This is a WARNING! You have violated my rights as a consumer and if you do not cease all collection activities on my credit report and request for this account to be deleted from my consumer report, I will commence a civil action against your company, In the United States District Court. 

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

I'm sending this letter in attempt to REMOVE some erroneous and incorrect items from my credit report, before I seek remedy. First of all, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ACCOUNT NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND these be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, XXXX, and EXPERIAN, written consent to furnish this information, that would indeed be identity theft.Pursuant to 15 U.S.C. 1692k any debt collector that fails to comply with any provision of this sub chapter with respect to ANY person is liable to DAMAGES. that I am I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Incorrect Collection Accounts on Credit Reports I am filing this complaint regarding XXXX collection accounts appearing on my credit reports with XXXX, XXXX, and TransUnion. These accounts total approximately {$8000.00} and have been disputed multiple times through XXXX XXXX, without resolution. 

I received IRS Form 1099-C for these accounts, indicating that the debts were cancelled by the original creditors and reported as income. Since this cancelled debt has been documented as income through the issuance of 1099-C forms, these accounts should no longer be reported as outstanding or delinquent by the credit reporting agencies. 

Furthermore, the accounts in question are reported by third-party debt collectors, not the original creditors who issued the 1099-Cs. Given the debt has been cancelled, these accounts should reflect a XXXX  balance and be removed from delinquency status on my credit report. 

Despite submitting disputes, the credit reporting agencies continue to report these debts as valid. I can provide Copy B of the 1099-C forms if necessary to verify my claim and request that these accounts be updated to reflect a XXXX balance or be removed entirely. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 cfpb Equifax is allowing someone to lift my 7-year fraud alert. I have a 7-year fraud alert on all three credit bureaus due to identity theft. I checked my Equifax credit report yesterday and saw that my fraud alert will expire in 13 days instead of 7 years. 

This is an ongoing problem I would like my 7 year fraud alert to be added back to my Equifax account. 

Attached : Please see my XXXX Credit report with the initial 7 year fraud alert when it begins and ends..Also attached is the Equifax Report showing 13 days left until the fraud alert expires. 


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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX MT XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Bank account or service

Our company has a business PayPal account. We received a payment from a client/customer via PayPal payment plaftorm online via credit card for $ XXXX. PayPal immediately provided full credit of the payment to our business account on the same day the payment was made and invoice was annotated on PayPal 's online system as, " Completed. '' Again, the client has been provided with the service and was invoiced for that service. Approximately 4-days later, PayPal 's Risk Operations Department initiated a limit to our account for the remaining funds available in our business - $ XXXX. A telephone call was initiated with PayPal 's Resolution Team to discuss why a limit was put on our account. We complied with PayPal 's request for supporting documentation and online submission of explanations of specific transaction conducted on our business account - i.e. incoming payments between $ XXXX, along with providing documentary evidentiary support for the {$10000.00} credit card payment received, fully credited and processed by PayPal on the same day - without any limitations, holds and/or restrictions to access to those funds. After being provided with two separate email notifications by PayPal - detailing the 24-48hr turnaround response for resolution of the matter ; we were notified during a telephone call by XXXX of the Risk Operations Department that a " ... 180-day hold would be placed on $ XXXX, on our account for risk liability purposes to protect PayPal. '' Based on legal review of PayPal 's Acceptable Use Policy XXXX we were not told or lead to believe that PayPal 's de facto decision to withhold funds legally earned, paid, credited and utilized, were in violation of PayPal 's Acceptable Use Policy, as contained herein this complaint. Specifically, we were informed verbally and via email that the funds being withheld for 180-days are for the specific justification of maintaining PayPal 's Risk Liability at a level required by PayPal. PayPal subsequently - on the same day, before the close of the business banking day, after we communicating our intent of filing an official complaint with the XXXX Treasury - Office of Comptroller of Currency ; reactivated our business debit XXXX, and provided us access XXXX - which needed to be transferred from a XXXX currency accounts with PayPal XXXX. XXXX accounts have been placed at zero balances, because we were in need of payment of online subscription payments for online access to a private service.
Product: Mortgage

The mortgage company change the apr and monthly payment and did not send any notification of the changes to my address, their customer service department, has People who are not even qualified to answer questions they give you wrong information over the phone then they expect you to tolerate their inconsistent behavior and lack of knowledge.
Product: Credit reporting or other personal consumer reports

Experian allowed XXXX XXXX XXXX tp wrongfully put a debt on my credit report that is not mine and due to identity theft. I have an active and fully paid tmobile account so this debt should not be in collections. There is no past due amount as my tmobile account is currently paid up to date. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Experian Report. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX - XXXX XXXX XXXX {$280.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 
Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit card or prepaid card

Hello, I recently applied for a credit card and was denied due to the reason that there was an open account with XXXX XXXX department store with a delinquent status on my report. I have never applied for nor am I on any account associated with XXXX XXXX. I believe that this information was falsely reported under my credit report because my mother and I share the same name and at one point the same address. She in fact does have an account with XXXX XXXX. I'm requesting that this wrongly reported account be removed from my credit profile. It is negatively impacting me and I have no affiliation with this account.
Product: Credit reporting or other personal consumer reports

i sent a letter to XXXX and transunion on XXXX by usps certified mail # XXXX ; U.S.P.S. CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( TRANSUNION ) they received it on XXXX, but never sent me any documents, per 15 usc 1681b.i have also attached a copy of the inaccurate and incomplete account reporting on my credit report
Product: Debt collection

A financial institution with which I 'm indebted, has sent several employees to my apartment complex, knocking on my neighbor 's doors. They engage into conversation with my neighbors to " break the ice '', and then they commission my neighbors to give call them as soon as they see me, and they share with them the fact that I owe money to this financial institution and I am behind on my payments. None the less, last night, XXXX of their employees came to my apartment at XXXX, and I asked her to leave as she was violating fair collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe {$240.00} or my account was charged off {$240.00} ]. 

XXXX/XXXX  # XXXX, which you claim, I owe {$0.00} or my account was charged off {$0.00} ] XXXX  XXXX  # XXXX, which you claim, I owe {$480.00} or my account was charged off {$480.00}. 

XXXX XXXX # XXXX, {$1100.00} or my account was charged off {$1100.00} XXXX  # XXXX {$2600.00} or my account was charged off {$2600.00}. 

This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Unknown XXXX account stating I owe {$540.00} I requested proof and disputed noting received. Please help
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this