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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
____________________________________________________ XXXX XXXX XXXX XXXX XXXX  Reference number - XXXX Record type Bankruptcy XXXX  XXXXdischarged Court : - XXXX XXXX XXXX XXXX XXXX ___________________________________________________ XXXX XXXX XXXX - Balance - {$540.00} Account number - XXXX XXXX XXXX XXXX - Balance - {$560.00} Account number - XXXX XXXX XXXX - Balance - {$0.00} - Balance updated - XX/XX/XXXX Credit limit - {$1300.00} - Account info Account number - XXXX XXXX XXXX XXXX - Credit limit - {$500.00} Account number - XXXX XXXX XXXX  XXXX - Balance - {$560.00} Account number - XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX  - Paid off - Original balance - {$720.00} Account number - XXXX ____________________________________________________ XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ____________________________________________________ 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.

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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 : no consumer reporting agency may 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. 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.
Product: Debt collection

I am not liable for this debt with Wakefield & Associates. I do not have a contract with WakeField & Associates. They did not provide me with original contract as requested, certified mail which they never respond with verification and validation letters. Did not provide date of the original contract.
Product: Credit reporting

Provided documents to chexsystems to give notice that this name has a common law copy right notice, aswell as a Notice of Intent Fee Schedule and Ucc Financing statement to show that said property belongs to a secured party. Chexsystems has blatantly disregarded these documents and continue to report negatively within their reporting system and making this public information to other financial institutions.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

DEPT OF ED/XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX  XXXX XXXXXXXX DEPT OF ED/XXXXXXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. As of todays date, Experian has not responded to my dispute and therefore must update these accounts in my credit file. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am requesting your assistance in the verification of the disputed data from my credit report. 

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

On XX/XX/XXXX I called experian, after I had already sent several disputes, and advised them to remove all of the incorrect names and addresses that appear on my credit bureau because they dont belong to me. The representative was very rude and argumentative. I explained to her that if this information is not removed, I will be filing a complaint with the CFPB so here we go. 

According to 15 usc 1681 congressional findings and statement of purpose, ( a ) accuracy and fairness of credit reporting the congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. ( b ) It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Not only is reporting inaccurate information on my credit report unfair, it is also a violation of the Privacy Act of XXXX.
Product: Debt collection

Representative call had me on hold and said I was number three in queue then started stating my name and social she never identified herself or did the disclaimer that she was a debt collector its portfolio recovery
Product: Debt collection

On XX/XX/year> I noticed that a collection was added to my credit report. I got the name of the collection company off the report and called them. On XX/XX/year> I called XXXX XXXX XXXX And spoke to XXXX XXXX XXXX I gave XXXX XXXX my name and she said she did not have any info about me. I asked her where I write to get it removed and she put me on hold and came back and said XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. I wrote XXXX callers Ins on XX/XX/year>. As of XX/XX/year> I have not heard back from them. I have applied for a loan at the bank and before this my score qualified me for the loan. After the collection my score went down XXXX points. It is known that right before the closing the bank pulls credit again and when they do my new score may not qualify me. This will constitute a cause & effect, and I will be asking for damages. To avoid this, I am asking that this be removed as soon as possible to avoid this. I have enclosed the items I sent to Contract Callers Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One has decided to decrease the credit limit on a card that I no longer use regularly as of XX/XX/2020. The credit limit was XXXX and is now down to XXXX. A reduction in available credit of XXXX is detrimental to a consumer 's credit score and can negatively impact a consumer 's ability to purchase or refinance a home or vehicle. According to Capital One they have done this to many consumers, some of whom may be in the middle of a home mortgage transaction where a decrease in credit score could mean the difference between an underwriting approval or decline. Capital One does not have the right to harm consumers in this way. I called Capital One today, XX/XX/2020, to explain this to them and they refuse to reverse this harmful decision.
Product: Checking or savings account

Requested on XX/XX/2024 withdrawal of {$7500.00} deposit I made in error to my XXXX account at Citibank XXXX XXXX XXXX ( XXXX XXXX, TX ). 

As of XX/XX/2024 Citibank had received all required documents, confirmed to me by Citibank customer service in call on XX/XX/2024. 

I called Customer Service again on XX/XX/2024, and they confirmed again that all documents were in order. 

I still have not received withdrawal, which I asked to have credited to my joint checking account at Citibank. 

I will be subject to XXXX penalty if not withdrawn by XX/XX/2024, which I informed Citibank.
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.

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 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. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Employer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Employers : XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dispute of Incorrect Credit Reporting - Account : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit report. Despite multiple disputes with the credit bureaus, the inaccurate information remains uncorrected. As such, I am escalating this issue through the Consumer Financial Protection Bureau for immediate and thorough investigation and resolution. 

The account in question is reported as XXXX. The details are as follows : Original Creditor : XXXX XXXX XXXX  Original Account Number : XXXX Current Owner : XXXX XXXX XXXX XXXX XXXX. 

I have enclosed a letter dated XX/XX/year>, from XXXX XXXX XXXX ( XXXX  ), the current owner of the debt. The letter confirms that the account has been closed, collections have ceased, and I have no further obligation regarding this account. They sent this letter after I asked for debt validation. Given this confirmation, the continued reporting of this account as a charge-off by XXXX on my credit report is both inaccurate and misleading. 

As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report only accurate and complete information. Specifically, 15 U.S. Code 1681i ( a ) requires that credit reporting agencies conduct a reasonable reinvestigation to ensure the accuracy of the disputed information. Furthermore, 15 U.S. Code 1681s-2 prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. 

Given that the debt has been resolved as per the attached correspondence, the continued reporting of this account by XXXX as a potentially negative item violates the FCRA. I request the immediate removal of this inaccurate account from my credit report. 

Enclosures : XXXX XXXX XXXX XXXX dated XX/XX/year> I expect the credit bureaus to comply with FCRA guidelines and remove this erroneous account from my credit report. Please acknowledge receipt of this letter and inform me of the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Closed XXXX account in XXXX 2016 after paying them for over two years on time and with no late payments. Received verbal and written confirmation that the account was paid in full and closed. Received final statement with XXXX amount due shown as XXXX. Two months later, XXXX sent me a bill with fraudulent charges claiming I had n't paid ; even after the account was closed with a XXXX balance. I called their customer service to dispute and received a very unprofessional response stating that they would not remove the charges and threatening collections. XXXX sent the charges to a debt collector which are now impacting my credit and financing costs. This is clearly consumer abuse, lack of business responsibility and lack of respect for consumers. The current system we have in this country is very slow to react to improper credit report abuse via credit reporting agencies that sleep on unprofessional credit reporting by companies like XXXX and debt collectors like Focus Receivables.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the continued reporting of XXXX  and associated accounts by TRANSUNION, despite their failure to properly verify the accuracy of this information. TRANSUNION failed to properly investigate and verify the accuracy of the XXXX, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report. 
1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. TRANSUNION failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed.

2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements.

3.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided.

4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination.

5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy.

6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness.

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm.

Supporting Documents : previous dispute letter submitted to TRANSUNION.

Proof of address, Id, and Social Security Thank you for addressing this matter promptly
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}, {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$4500.00}, {$6100.00}, {$10000.00}, {$15000.00}, {$9100.00}, {$52.00}.

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 and 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 ).

-OPEN ACCOUNT- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

-PERSONAL ACCOUNTS- 7. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account.

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9100.00} -This is not my account.

-COLLECTION ACCOUNT- 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$52.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Equifax and XXXX Credit report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX