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

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to a data breach that compromised my personal information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and XXXX ( b ), I am entitled to request the removal of accounts resulting from unauthorized activity. 
Accounts to XXXX and Delete : XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$480.00} XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$950.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$84.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$610.00}
Product: Checking or savings account

I have a credit karma savings account, I made my first deposit to start creating a saving habit and after depositing my money they froze my account with no explanation to why, I get no answer from customer support and the higher department that is handling my case isnt reachable. My savings are now held in ransom and I cant get any help or know why it was frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

CBF Services ; The Debt Collection Agency ; XXXX XXXX XXXX ; XXXX, XXXX sent me a collection letter on XX/XX/2019 ( the Letter ). I disputed the alleged debt mentioned in the Letter in full in a letter dated XX/XX/2019 sent via certified mail return receipt request # XXXX XXXX XXXX XXXX XXXX, which signed for by a XXXX XXXX on XX/XX/2019, which is within 30 days of the date of the Letter. 

CBF Services provided nether a proper nor timely written verification of the alleged debt that it is attempting to collect in accordance with the Fair Debt Collection Practices Act. CBF Services is, therefore, barred from any collection activity. 
C BF services has wrongly engaged in collection activity by placing derogatory information on my credit report ( s ) for XXXX, XXXX, and/or XXXX. I hereby respectfully request the CFPBs assistance in removing any and all of said derogatory information.
Product: Credit reporting

I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything.
Product: Credit reporting or other personal consumer reports

accounts were not completely removed from XXXX  XXXX  and early warning
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed there are still XXXX inconsistencies on my account. I disagree with the account listed below even after your investigation. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D. Equifax/XXXX  & XXXX has failed to investigate this account properly after repeated attempts to have the account updating accurate information which have once again violated my consumer rights. The account shows a charge off listed on XXXX 2023, however there was a payment on XXXX  2023 and the account was paid in full before charge off period on XXXX  2023. The charge off listed on XXXX 2023 is inaccurate along with multiple other inaccuracies. The accounts have NOT been updated. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX
Product: Credit card or prepaid card

Borrower is in the middle of a purchase transaction and we have been trying to ge t two mo nths stateme nts. 3 weeks  later we still do not have the statem ents. Borrower w ill be loosing his lock and possible the home. Need statement faxed to emailed as soon as possible.
Product: Debt collection

A law office try to charge me for a service that l don't really know about it
Product: Credit card or prepaid card

I am writing to file a complaint about an affiliate website with Chase, XXXX, and XXXX XXXX about their misleading information for the benefits of credit cards. 

I read an article on the site stating that I can get 33 free nights after I applied for the Chase IHG credit card. However, I found that the bonus was actually XXXX points, which were only enough to redeem for 4-5 free nights, far less than the 33 nights as they stated. The website has a bunch of articles like this. 

What concerns me is they are using misleading advertising in XXXX, and sending the users to the application pages in English. Some people may not read the English terms carefully and get the wrong information before they apply. I hope the banks and their affiliate can remove all misleading advertising. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting these inquiries be removed from my XXXX Credit Report XXXX XXXX XXXX - XX/XX/XXXX The ran my credit, and I told them not to run it. I called and made a complaint. They stated they were going to remove it, but no one has called me back. I would like this removed. 

XXXX - XX/XX/XXXX They ran my credit, and it showed up as a inquiry. I did not agree to this, and would like this removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. A inquiry was made, and I would like it removed. 

XXXX - XX/XX/XXXX and XX/XX/XXXX This company did a inquiry within a two week period. I did not approve this. I would like both of these removed. This being done twice is a mistake on their part. 

XXXX - XX/XX/XXXX I have no idea what this is, and requesting this inquiry to be removed. 

XXXX - XX/XX/XXXX Again, XXXX is running my credit. I would like this inquiry to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself. 
Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA. 

REMAINING UNAUTHORIZED NEGATIVE XXXX XXXX XXXX XXXXXXXX LA, XXXX, XXXX XXXX XXXX XXXX LA, XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX  XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXX XXXXInquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX  XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 14  ) XXXX-Inquiry date : XX/XX/XXXX 15  ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. 


Below is the link to documents for confirming my identity : XXXX XXXX XXXX  XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a repossession from XXXX XXXX XXXX on my credit report 7 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their PHYSICAL POSSESSION on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked to NOT merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

To be clear, I am NOT disputing nor am I looking for validation of the repossession. I AM REQUESTING PHYSICAL DOCUMENTS.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the repossession, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the repossession be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its illegal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. 

15 U.S. Code 1681 ( a ) ( 5 ) B XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 1681c. ( a ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are listed on my report. My correct legal name is XXXX XXXX. 
2. Addresses : The addresses 1, Incorrect Address XX/XX/XXXX My correct address is as mentioned above .

3. Social Security Numbers : My correct social security number is as mentioned above.

4. Year of Birth : My correct date of birth is as mentioned above.

5. Phone Numbers : XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, My correct phone number is ( XXXX ) XXXX XXXX. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXX listed in my report are incorrect. 
, I formally dispute the following charge-off accounts : XX/XX/XXXXI am disputing the following collection accounts : 1.XX/XX/XXXX ACCOUNT # NOT LISTED 2.XX/XX/XXXXXX/XX/XXXX 3.XX/XX/XXXXThese accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
XX/XX/XXXXlease see attachment for the Fraudulent Inquiries
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The XXXX  of my XXXX  was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission XXXX XXXX affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX  business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Checking or savings account

My checking account has experienced check fraud and now an electronic withdrawal that is unrecognized, unauthorized, and fraudulent. On XXXX, {$1200.00} for XXXX XXXX ' was automatically withdrawn from my account. I do not know the company and do not know what it is for and I never authorized such. I informed my bank as soon as I noticed this unauthorized and unrecognized charge and filled out the paperwork that was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to log into myEquifax.com for approximately a year now. I have contacted Equifax on MULTIPLE occasions and have been told by the rep on the phone that they can see why I am unable to login to their site but can't tell me. 

I have called at least a half dozen times. I received an email dated Mon, XX/XX/XXXX at XXXX XXXX advising me that " We have completed the review of your online account at www.myequifax.com and we are pleased to advise you that the login issue you experienced has been resolved. '' I have tried to log on several times, most recently today XX/XX/2020 to dispute erroneous items on my report. I still get the same error message, " We are temporarily unable to complete this request. Please try again later. '' that I have been getting for months. 

They have updated their phone system to voice only when I just tried to call AGAIN and I sniffled and it hung up on me. 

Every time I have to deal with this company it is nothing but trouble. They should be shut down after the data breach and the lack of any sort of customer service. 

It should not take months for me to be able to access my account online when they practically are forcing me to file a dispute online. Their phone system EVERY step of the way repeats " did you know you can file your dispute online at any time? '' NO I CAN'T AND IT IS A REAL PROBLEM. 

They are holding me XXXX as I am trying to secure a mortgage and I am unable to dispute items on my report as I can't log into my account online and the phone automatically hangs up on me. 

This company should not even exist after their data breech in which my data was stolen. Now I can't even dispute an item on my credit report or talk to any person about the issue.
Product: Debt collection

To Whom It May Concern, I am contacting you regarding accounts listed on my credit report that have been charged off or otherwise written off by your company. Under IRS regulations, specifically the Internal Revenue Code ( IRC ) 6050P, any creditor that cancels or writes off a debt of {$600.00} or more is required to issue IRS Form 1099-C to the debtor for reporting purposes.

As of this date, I have not received Form 1099-C for any charged-off accounts related to your company. To comply with my tax reporting obligations, please promptly issue this form or confirm whether no such cancellation of debt was reported to the IRS. 

If your company failed to report this cancellation of debt and subsequently did not issue Form 1099-C, this may constitute incomplete or inaccurate reporting on my credit, which may also fall under Fair Credit Reporting Act ( FCRA ) regulations.

Please provide the requested documentation or confirm that these accounts were not canceled and no debt forgiveness was reported. Your prompt attention to this matter will enable me to fulfill my obligations with accurate and complete information. 

Thank you for your attention to this matter. 

Sincerely,