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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a car dealership and was unaware that I had 19 hard inquiries on my credit report until the salesman notified me. This was shocking and upsetting to me and I have been trying to resolve this for quite some time. These are the accounts listed below : XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting or other personal consumer reports

I am writing to detail the challenges I have faced regarding inaccuracies on my credit report due to the Equifax data breach that compromised my personal information, specifically involving XXXX XXXX XXXX and XXXX XXXX. My sensitive data was included in this breach, which has resulted in unauthorized access and the creation of fraudulent accounts under my name. Consequently, this has led to the reporting of inaccurate information on my credit file, including accounts I did not open and late payments that I did not incur. 

Since discovering that my information was part of this significant data breach, I have made numerous attempts to rectify the inaccuracies on my credit report. I have disputed this information with all three major credit reporting agenciesTransUnion, XXXX, and Equifaxproviding supporting documentation and evidence to substantiate my claims. Despite my diligent efforts, I have encountered persistent challenges, and nothing has been done to resolve these inaccuracies. The erroneous information continues to adversely affect my credit score and financial standing, limiting my ability to secure loans and credit. 

Additionally, I am particularly concerned about the implications of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. This lawsuit highlights serious deficiencies in how XXXX manages consumer disputes and verifies the accuracy of the information it reports. The findings of the CFPB resonate deeply with my experience, as they reveal a troubling pattern of negligence that many consumers face when trying to correct inaccuracies on their credit reports. This situation underscores the urgent need for credit reporting agencies to fulfill their responsibilities in ensuring that the information they report is accurate and fair. 

In light of these circumstances, I am seeking a resolution to have the inaccurate information related to the Equifax data breach removed from my credit report. The ongoing issues I have faced with XXXX, XXXX, and Equifax demonstrate the systemic challenges consumers encounter in correcting errors, particularly in the aftermath of data breaches. I hope that by sharing my experience, I can not only work toward a resolution for myself but also contribute to a broader dialogue on the importance of consumer protection and accountability in the credit reporting industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

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 reporting, credit repair services, or other personal consumer reports

I sent this letter as a follow-up and clarification on what items I need to eliminate. to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/2022 Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$620.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022,
Product: Debt collection

i sent letters requesting information concerning the alleged debts from southern financial systems and have not received anything. Requesting deletion of the alleged debts that i don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report claims I lived at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX I have never in my life lived in or been associated with any individual from XXXX, XXXX. This date has never before appeared on any of my credit reports and looking at each individual it is still not showing on them. It needs to be removed. It says I resided here from in XX/XX/XXXX, I wasn't even born until XX/XX/XXXX and my SSN is valid and was issued when I was born in XXXX XXXX, XXXX in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed XXXX XXXX XXXX Account. ( Line Of Credit ) I asked Experian to supply information as to how they verified this account. I never received any information on how this account was verified, and yet it remains on my credit report. Under 15 U.S.C. Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. This did not happen. In addition The account was charged XXXX in XXXX of XXXX  and is currently closed, but experian has updated the balance on a charged off account, putting it over the line of credit amount, which in turned dropped my XXXX XXXX by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax back in XX/XX/XXXX to ask them when will XXXX/XXXX come off my report and they said XX/XX/XXXX because XXXX updated the account i had with them on XX/XX/XXXX because i wanted it removed so that's what XXXX did to say we review your account and updated information because I was disputed it with XXXX. I said to Equifax that's incorrect that i was delinquent in XX/XX/XXXX and my account was closed in XX/XX/XXXX but i paid XXXX the rest of the balance in XX/XX/XXXX, so it should drop off my report inXX/XX/XXXX.  They said no because XXXX updated account and reported information to them and that i stopped paying and started again. Which is incorrect. Equifax said its 10 years then since from the last updated informatiion which was now XX/XX/XXXX. Also, Equifax is showing that I'm still paying the XXXX  account, which is incorrect i have NOT paid them since XX/XX/XXXX and my account was closed in XX/XX/XXXX. I'm not sure where the information is coming from. Equifax said it stays on till XX/XX/XXXX when i called them again in XX/XX/XXXXXX/XX/XXXX and also called XXXX to tell them what Equifax stated it would take 10 years and once again XXXX  updated again inXX/XX/XXXX when i complained to them and it changed again to nowXX/XX/XXXX that will be 16 years not 10 years. This is not fair. I wlll fax you some information to you and attach also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 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. 

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last reported date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. Any other adverse item 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Payday loan, title loan, personal loan, or advance loan

Sezzle has a monthly fee that allows you to purchase Anywhere! The fee is XXXX. I cancelled my subscription XX/XX/year>. But they went ahead and charged me the XXXX on the XXXX. I requested a refund, they refused! Per policy they say. 
And, my granddaughter allowed me to use her debit card XXXX time for a Sezzle Down Payment only, I went into system and changed my account only to reflect my account. My Sezzle anywhere subscription previously declined so they tried to use my granddaughters card for the subscription. It wont let me delete her card, because they linked it to a 1 time purchase down payment. They grab whatever card they can to get their payment, even though I reached out to them several times and told them Not to use her card and its Fraud! Again, they took my money 3 days After I cancelled my subscription. 
Also, I asked for a hardship help. All they could do was push my payments ahead and now I owe XXXX dollars all at once. I was hoping to combine my accounts into one and make a smaller payment. They refused.
Product: Credit reporting or other personal consumer reports

I demand you to remove my late marks I will reporting you to the FTC. Dont argue with me about the Lawn my statements remove my late fees I will get I will get a lawyer and sue you Im not sending you anything Im not sending you any checks or anything. I paid you guys in full remove my late fees like I demand by law. XXXX, XXXX, XXXX Last XXXX XXXX RE : XXXXXXXX/Aspire XXXX acct number. To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( Aspire ) .and accordance with the fair credit act aspire credit card, has violated my rights. 15 USC 1681 Section 602 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. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX
Product: Credit card

I have an account with Affirm, I made the last payment on XX/XX/year>. Affirm says I need to wait 30 days from my last payment. This makes absolutely no sense!
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere.

Thanks
Product: Debt collection

I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Tell XXXX XXXX XXXX I have seen this report agency has report showing {$2400.00} which is I didnt aware off and never been use. When I call in is show the address service that Ive never been stay there. I request them to removed ASAP cuz Ive never been use or order their service to that address they told me
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : XXXX XXXX XXXX XXXX XXXX | NOT MINE EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX | NOT MINE XXXX XXXX, XXXX XXXX XXXX, XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

In XXXX of XXXX, I was checking my credit when I realized that my car payment had not been reporting since XX/XX/XXXX. At that time I didn't realize that part of the Cares Act prohibited creditors from reporting any payments. So I called my finance company and told them it was okay to go ahead and report my payments since they were all on time. At that time, every payment since XX/XX/XXXX ( when I purchased the car ) was reported as " On Time '' and Paying as Agreed. The next month XXXX XX/XX/XXXX ) I checked my credit report again to find that my XX/XX/XXXX and XX/XX/XXXX were suddenly reported to all three bureaus as " 30 days late '' and my credit scores dropped 30 points. I was VERY surprised because these payments had been reported ON TIME for 6 and 9 months and then suddenly reported " 30 days late '' I immediately called my finance company who stated they could not fix the error. I asked for my account manager but was told I did not have one. I then consulted with a credit specialist who told me I should write a letter to each of the bureaus explaining the error and also send copies of each credit report showing where it had been reported on time for many months, and then also my bank statements showing the on time payments coming from my bank account. I promptly did so XX/XX/XXXX. I sent each bureau a letter explaining the mistake, a copy of my credit report before the error, a copy of my credit report after the mistake, and a copy of my bank statement for each month showing the payment drafted from my account before or on my respected due date. XXXX XXXX and XXXX promptly removed the late payment and restored me to 100 % payment history, but Experian did not. So in XXXX of XXXX, I sent them the same information again disputing the late payments. They responded saying the payments had been verified as late and they would remain. How can payments that were clearly never late be verified? So in XXXX of XXXX I sent Again the same information and a letter demanding this error be fixed on my Experian report. Unfortunately as of today, Experian still refuses to remove the late payments even with proof they are reporting incorrect information.