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

To whom it may concern : I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry.

You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Please accept this complaint as a formal notice that Equifax is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Equifax received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Equifax with documentation supporting my dispute ( attachment B ). This account should have NO negative payment history, and it appears this information has been updated correctly, however, Equifax is still reporting a payment status of at least 120 days or more than 4 payments past due, and this is inaccurate since all payment history is reflecting paid on time and as agreed ( attachment D ). The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to TransUnion ( attachment C ).  Equifax is also reporting a high credit balance of {$2500.00}. This is inaccurate, as it is being reported to XXXX  as {$0.00}. Equifax is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.
Product: Credit reporting or other personal consumer reports

In may they started to remove the account XXXX XXXX and it was suppose to come off XX/XX/XXXX. And when I try to dispute it it says it will be done by XX/XX/year>. And we are past that date and I can't dispute it. It says XXXX XXXX on the account like it's suppose to but when you click on the check status of dispute it says XXXX. So they have it all messed up.
Product: Credit reporting or other personal consumer reports

I used the company Affirm to pay for some purchases I made. I was making my payments on time until they locked me out of the account because of an unauthorized user! I contacted them before any payments were late trying to pay over the phone they cant take payments because they cant access it either! This started in XXXX they caused me to become past due and have trapped me into a past due status. How can they look me out of my account not take money over the phone cause me to be late on payments and not fix it! Affirm literally is reporting me past due when they wont allow me to pay and to this date I am still locked out. There customer service reps tell me over and over they are fixing it yet they reported fraudulent information stating I am past due. I contacted this company before any payments were late begging them to fix it but yet I get no where. I want this fixed this caused my credit score to drop XXXX points. No one is helping me and this company is being allowed to report fraudulent incorrect information please help me!
Product: Student loan

While in graduate school I tool out student loans serviced by OSLA. Upon graduation I returned to XXXX XXXX and asked OSLA to apply SCRA protections to all loans disbursed. OSLA denied my request multiple times stating that pervious XXXX XXXX service time has disqualified my from further protections. Since my student loans were not disbursed during a time of XXXX XXXX service I beleive OSLA is violating the SCRA, the Consumer Financial Protection Act, and corresponding state law by charging me an amount in interest over what I am legally required to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following as these are suspicious : XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Credit Report, I observed that your agency is in violation of multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) related to the furnishing of reports in credit or insurance transactions not initiated by the consumer ( Inquiries ). According to the mentioned code : A consumer reporting agency can only provide a consumer report in connection with a credit or insurance transaction not initiated by the consumer if : ( A ) the consumer authorizes the agency to provide the report, or ( B ) ( i ) the transaction involves a firm offer of credit or insurance.

Furthermore, regarding inquiries, a consumer reporting agency is prohibited from furnishing a record of inquiries in connection with a credit or insurance transaction not initiated by the consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), in the case of liability for obtaining a consumer report under false pretenses or without a permissible purpose, the consumer is entitled to actual damages or {$1000.00}, whichever is greater, and punitive damages as allowed by the court. 

I did not initiate any of these inquiries, and if you believe otherwise, please provide copies of my written signature giving consent to this matter.

I request the removal of the items listed below from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681n ( b ), I believe a natural person 's civil liability has been violated. We have already reported this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

For any questions or additional information, please contact me at the address listed above.
Product: Credit reporting or other personal consumer reports

There not sending the informatiom i need to prove that this debts or mine Placed for collection XX/XX/XXXX Bal {$1.00} Place for collection XX/XX/XXXXXXXX  {$670.00} Place for charge off XX/XX/XXXX XXXX {$1.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to dispute inaccuracies regarding my credit report and to request the removal of certain inquiries that do not accurately reflect my creditworthiness. 

# # # Accounts in Dispute : XXXX. XXXX - XXXX XXXX : XXXX - **Account Status** : Paid - **Last Reported** : XX/XX/XXXX - **Comments** : Canceled by credit grantor XXXX. XXXX XXXX XXXX - **Account Number** : XXXX - **Account Status** : Closed - **Last Reported** : XX/XX/XXXX - **Comments** : Closed XXXX. XXXX XXXX - XXXX XXXX : XXXX - **Account Status** : Derogatory - **Last Reported** : XX/XX/XXXX - **Comments** : Charged off as bad debt ; Dispute resolved; reported by grantor # # # Additional Request : Removal of Inquiries I request the removal of the following inquiries from my credit report : - XXXX ( Department Stores- Clothing ) - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX - XXXX XXXX XXXX ( Bank Credit Cards ) - XX/XX/XXXX - **XXXX  XXXX XXXX** ( Bank Credit Cards ) - XX/XX/XXXX - XXXX XXXX ( Bank Credit Cards ) - XX/XX/XXXX - XXXX XXXX ( XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX ( Bank Credit Cards ) - XX/XX/XXXX I believe these accounts and inquiries are either inaccurate or misleading, and I kindly request your assistance in ensuring they are properly investigated and rectified in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in Dispute letters to Experian, XXXX, XXXX. To have unauthorized inquiries removed. I received letters from the reporting agencies XX/XX/2023. Stating that theyre unable to remove the inquiries that I never authorized. I am requesting that all inquiries be removed.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove a 90 day late that was placed on my credit report by XXXX XXXX XXXX. The report shows CURRENT TERMS MET all months until XXXX which abruptly becomes 90 days late. Then in XXXX it indicates CLOSED because I paid it off. Prior to my dispute, the report showed a 90 day late in XXXX and XXXX with CURRENT TERMS MET in all prior months. They modified the report by removing the 90 day in XXXX but kept the 90 day in XXXX, all other months are CURRENT. How could I have a 90 day late in XXXX when I paid it off ( in full ) XX/XX/XXXX? The account was posted as 90 day late XX/XX/XXXX. They did correct that but refuse to remove the 90 day in XXXX. Again how could the account go from CURRENT to 90 days late in one month? Equifax has not corrected. The irony of this situation is the account was actually paid in full 2 years prior through a XXXX  XXXX XXXX due to hardship when two family members became XXXX XXXX and I had to leave my job to care for them. I sold my home to pay off the XXXX at 100 % which included the XXXX XXXX XXXX Months after the XXXX was discharged and the debt had been paid in full, XXXX XXXX XXXX  me stating I owe an additional XXXX. I have no idea why they added this after they were paid in full through the 100 % pay back. I made arrangements to pay them in full as soon as I received funds I was expecting which I did on XX/XX/year>. Then a week after paying them, they added 90 days to both XXXX and XXXX. I disputed and equifax refused to remove after. I disputed again and they removed June 90 day but not XXXX.
Product: Credit card or prepaid card

I received a robo call from Chase bank about " my account. '' I don't have any accounts with Chase. The phone number they used was XXXX. The XXXX prefix is usually XXXX XXXX XXXX cell numbers in Idaho.
Product: Student loan

I have attorney representation against NCT therefore I do not want any contact from this company until the legal issues have been solved. AES has been told this numerous times and I have advised the company per my attorney I ca n't discuss any NCT loans with them except loan # XXXX because it is co-signed and my mom does not have legal representation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX  XXXX, SIMMONS BANK Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim.

Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, XXXX, XXXX, XXXX, Tenant Screening This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : 1. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
2. Written confirmation that these records have been permanently deleted. 
3. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Recently I switched banks and notified the creditor of the new bank account, and requested that my autopay be updated to withdraw from the new account. Instead of updating autopay, they cancelled it altogether. After this, they also made it extremely difficult to log back into the payment portal ; even using my valid username and password, they required me to input a one-time passcode, but never sent the passcode despite several attempts from me to retrieve it.
Product: Credit reporting or other personal consumer reports

I've asked for verification of procedures which they have failed to explain ... each of my credit reports show different inaccurate after their verification process, I believe Experian XXXX XXXX has violated my consumer right and is damaging my credit report!

I have attached proof of these in inaccuracies with highlighted dates to cross reference
Product: Credit reporting or other personal consumer reports

XXXX sold my student loans to XXXX in XX/XX/XXXX. As of XXXX, XXXX, XXXX they are still reporting balances to all 3 credit bureaus and now it looks like I owe triple the amount in student loans. This is affecting my ability to assume a mortgage and I am requesting assistance removing these inaccuracies from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX. I do not have a contract with CREDIT CONTROL CORPORATION. They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied online for XXXX XXXX credit card to purchase flooring. The card is through Synchrony HOME credit card. I was accepted within minutes with a credit limit of {$6300.00} being given. I immediately reached out and asked for a increase since my purchase exceeded this amount. I had created an online account and requested through this and also through the email notification of acceptance that I received. I received email responses saying they received my request ( s ). I had not heard back on XX/XX/XXXX and I needed to place the flooring order, so I called and first talked with XXXX and then XXXX, a manager. XXXX told me that my increase request in limit was being denied because I did not experience on the current line. I shared that this did not make sense, I had newly applied. He added that I never had an account with me and also no history. That day when I got home I had a letter ( attached ) denying my increase request for the reason - insufficient experience at your current credit line. On the back of the letter it states that I can request a copy of my credit report from the credit reporting agency, and if no agency is listed, a credit report was not utilized in making the decision. I then went to a credit monitoring service and discovered that Synchrony had pulled my credit report on XX/XX/XXXX and XXXX, XXXX ( attacched ). They provided false information. Synchrony seemed familiar to me and then I discovered that I have a credit card with them for another store since XXXX of XXXX. Again, false information they are providing to me. I have excellent credit history, no debt, and this experience was so unusual that I felt the need to report their practice of providing false and inaccurate information to a potential customer.
Product: Debt collection

I was double covered by blue cross during this visit. I told them to file it to all of my insurance accounts and Then if there was a balance ( which there should n't be ) to Bill me then. They were unhelpful and clearly did not bill my insurance as asked. They wanted to collect money from Me immediately instead of billing my insurance. I can show proof of the insurance and they can not show proof that they filed it to all of my insurance. This is an issue EVERY time I visit this hospital. Furthermore, this collection agency REFUSES to give you the contact information for the company they are collecting for so that you can push to have the issue resolved. This company is very dishonest
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer, XXXX XXXX submitted the attached disputes to Equifax on XXXX XX/XX/2022. 
Upon review of my right and reports I submitted a dispute to Equifax requesting the listed accounts on my consumer report be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Product: Checking or savings account

A regions bank employee, XXXX XXXX participated as an accessory to commit felony Larceny. I was defrauded out of XXXX XXXX dollars. Her supervisor is also helping to cover up this crime. She works at the XXXXXXXX XXXX XXXX in XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the following companies regarding these inquiries that I did not create on my own. Nor did I give anyone authority to create appeared on my credit report and I contacted them individually to have them removed and they have not been removed as of yet. 

XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/2022 XXXX XXXXXXXX ( Bank ) XX/XX/XXXX. XXXX