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

To Whom It May Concern, I am writing to file a formal complaint against EXPERIAN for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : 1. XXXX  XXXX XXXX - ACCOUNT XXXX DateOpened:XX/XX/XXXX Date Report : XX/XX/year>. 

15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX XXXX/XXXX XXXX. This account was not reporting to the 3 major credit reporting agency 's. I spoke with customer service last week and was told they will report this account to the credit beauors. Today XX/XX/2020 I received an alert on XXXX XXXX that the XXXX XXXX account was removed from my report. I don't understand this as the account was never reporting. My score also dropped 4 points due to this. I am requesting that syncrony bank please report this account that has a {$4800.00} credit limit and the account is paid in full with a XXXX balance. Never late. Having this excellent amount of credit available plus paid in full will help my credit score increase.
Product: Debt collection

XXXX- called again on the debt i told them Ill pay when i have the funds and have to do the research on the other agency before paying. The rep still kept continuing to demand the Payment even when i told him dont call me again. This is the third time calling. The calls are recorded so you can pull the phone records.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the recent negligent behavior of Equifax, I was negatively affected by The error that caused borrowers to be wrongfully denied loans or pay higher rates. As a result, fraudulent items are being furnished on my consumer report.
Product: Debt collection

My complaint is with XXXX XXXX, XXXX, and Javitch , Block & Rathbone Law Firm. In XXXX 2010 XXXX XXXX XXXX, filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to Javitch, Block & Rathbone in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to XXXX XXXX, XXXX of the satisfied debt. To date, XXXX XXXX XXXX, states they have not received documentation.
Product: Credit card or prepaid card

I submitted a dispute to Sachs for a transaction made to XXXX XXXX in XX/XX/2022. Sachs sided with the company and did not do a final credit to my account. After Sachs lied about other transactions I did research on this and discovered that XXXX gave the money back to Sachs. XXXX  money sucking wallet vampires
Product: Payday loan, title loan, or personal loan

My credit report it's showing a Company called Credit Express LLC, opened XX/XX/XXXX and closed XX/XX/XXXX. Balance is {$0.00}. Highest balance : {$2200.00}. 
That Company never have appeared in credit before. I never have applied for a vehicle loan, this is affecting my credit score, I don't know why this is in my credit report. I already called to that company immediately and they told me you have placed that account on my report. 
I believe have being a mistake place that negative issue in my credit report and also this is an issue from XX/XX/XXXX. 
Please, let me know if you can help me. 
Thanks.
Product: Debt collection

On XXXX XXXX I sumbitted disputes for 3 collection accounts with Experian : XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX, XXXX XXXX Account XXXX showing on my credit report asking for validation and or proof that the debt was mine. I never received the validation i was asking for, It was removed off of my XXXX, XXXX reports but somehow experian has it validated with no records to show far it.By law this alleged debt that has not been proved to be mine has to be removed.Below is the letter i sent
Product: Credit reporting or other personal consumer reports

I contacted the collection agency around XX/XX/year> to validate this debt. They refused to send over the documents requested. I even reached out to the original creditor to get this information. XXXX handled my dispute and claimed they verified it. This is deceitful tactic. How can one verify the information without the proper paperwork. Neither of the agencies or companies could provide the information. Another issue is that the payment history says I made payments on the debt which is false. I disputed this debt and also on the report it says invalid dates. If the dates is invalid meaning the report with this agency is not 100 % accurate. I am entitled to an accurate report. Which this account thats not mines. I ask the collection agency for the validation of this debt. Where are the original documents. 
XXXX ) I will need to see the contract between you and the original creditor.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681 - permissible purposes 15 U.S Code 1681 " blockages of information ''. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportun/XXXX  XXXX Credit Card is showing on my credit report that I opened it XX/XX/2022 and that I did not spend money until XX/XX/2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of Opportun/XXXX. I have also never had a visa credit card. I did not open a credit card other than a master card 2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX back in XXXX. I have also never been contacted by Opportun/XXXX in regards to needing to pay anything. This is 100 % not my account. I contacted Opportun and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting XXXX and XXXX.
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 ) ( 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: Credit card or prepaid card

Hi, Thank you in advance for your help. I get my pay check first of the month, the due date on my credit card is the XXXX of the month. I have capital one XXXX XXXX. I wrote them a letter requesting that they change the due date from the XXXX of the month to the XXXX so I can make the payments, that way I wo n't charged late fee of XXXX  which I was charged last month. If you could please help me.
Product: Credit reporting or other personal consumer reports

A strange account from Citizens Bank ( Citizens Pay Credit LI ) appears on my credit. I have no idea who applied for this line of credit or why it is showing on my report. this is a fraudulent account and it needs to be removed from my personal information reporting to all credit bureaus.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account is not my account. The company has failed to provide me with a document that has my wet signature. It is adversely affecting my life and credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX advertising of my vehicle warranty being canceled/expired. Mail was made to look like a subsidiary or partner of XXXX. After I paid for " extended warranty '' I discovered it was a scam. I called to cancel, and the company tried to deny my right to cancel the policy. The representative " XXXX '' kept questioning me and trying to stall when I asked to cancel. When I told him to stop questioning me, be became aggressive and argumentative. I asked to speak to a manager, and he continued to argue. I said they were fraudulent, and that I would contact my credit card company and flag the transaction as fraudulent, as well as call my attorney. He then put me on hold for a manager, then came back and said one was unavailable, but he submitted the policy for cancellation and refund. He said I would get a call back from a manager to finalize the cancellation. I asked for a confirmation ( a number or email correspondence ) and he rebuttaled that the call was the confirmation. I said I would wait on hold until a manager became available and XXXX said they had no way to put me on hold, even though he had just put me on hold a few moments before. I have not received a call back from a manager yet, and I have no proof or confirmation that the warranty policy has actually been canceled and the refund has been issued.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX Trans Union and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following : ( List all accounts and inquiries to be removed )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX**** Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX XXXX bankruptcy and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my Transunion credit report. I have contacted Transunion many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact Transunion credit bureau
Product: Debt collection

This debt was settled at the XXXX with XXXX and XXXX. 
Under the guidelines of the Fair Credit Reporting Act, a company can and will investigate the item to verify its integrity unless the company can provide new information such as court papers or a recent, authentic letter from the creditor that explains what information should be updated. XXXX XXXX is no longer in business and may add a Company Statement to both XXXX and Trans Union or contact the me directly in writing. Contact information for me is provided on the credit report for your review. If you provide a XXXX XXXX that contains proof of debt, then you are giving consent to me to include this information in every credit report you issue about me. If you have any further questions, please contact me. Please visit XXXXXXXXXXXX for questions about this credit report misunderstanding. 

I have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was incorrectly notified of these disputes. In response to the investigations, the disputed information was not verified or updated properly and accordingly and the results were not forwarded to me for review. Currently, XXXX XXXX XXXX incorrectly reflects an unpaid collection in the amount of {$2100.00} with an estimated deletion date of XXXX. 

Fraud is the intentional use of deceit, a trick or some dishonest means to deprive another of his or her or its money, property or a legal right. A party who has lost something due to fraud is entitled to file a lawsuit for damages against the party acting fraudulently, and the damages may include punitive damages as a punishment or public example due to the malicious nature of the fraud. Quite often there are several persons involved in a scheme to commit fraud and each and all may be liable for the total damages. Inherent in fraud is an unjust advantage over another which injures that person or entity. It includes failing to point out a known mistake in a contract. There is a known mistake in a contract that was never pointed out to me by my broker. It also includes failing to not reveal a fact which he or she has a duty to communicate, such as not delivering promised amenities. My broker promised amenities including a tanning bed and garages as originally understood. The amenities of a tanning bed and garages were not delivered to me as promised. Constructive fraud can be proved by a showing of breach of legal duty such as lying about advertising amenities that were not delivered. Constructive fraud can be proved by a showing of breach of legal duty without direct proof of fraud or fraudulent intent. Extrinsic fraud occurs when deceit is employed to keep someone from exercising a right, such as a fair trial, by hiding evidence or misleading the opposing party in a lawsuit.
Product: Student loan

They keep placing me in adminstrative forbearance for no reason. I am a government employee months away from my PSLF forgiveness and I am worried this will delay my forgiveness. Wait times to get anyone on the phone exceed XXXX minutes to an hour.
Product: Debt collection

Midland credit has 2 accounts for me XXXX XXXX one account number is XXXX with the amount of XXXX and the other account numer is XXXX with the amount of like XXXX both of these accounts are from the same company which the correct amount is XXXX we paid the XXXX but midland credit is still charging us an extra XXXX for account XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX, I became aware that a collections account was added to my credit reports with XXXX ( later, I learned it was also on my XXXX  account ) through " Sunrise Credit Services XXXX '' in the amount of approximately {$6000.00} for " XXXX XXXX ''. 

In XXXX, I had previously disputed with XXXX this same balance and original creditor through a different collections agency and had it removed from my account. 

Having never had XXXX XXXX, and knowing that I certainly do not owe XXXX {$6000.00}, I submitted another dispute with XXXX, and, once again, XXXX rightfully removed it from my credit report. 

So far, so good. 

In XX/XX/XXXX, I became aware that this account was also on my XXXX credit report. I filed a dispute with XXXX, including the bulk of the same information that I'd submitted with my XXXX disputes. On XX/XX/XXXX, XXXX notified me that my dispute had been resolved, and that my credit report had been " verified and updated. '' Imagine my surprise when the verification that XXXX provided included that the debt was legitimate. 

I want to make it clear that I do not believe that I am the victim of identity theft or even fraud, but believe that this account has been mistakenly associated with my name. I also want to make it clear that I do not owe XXXX any money, have never had XXXX XXXX XXXX, and have never received any notification from either the first collections agency or Sunrise Credit Services about their intent to collect on this debt. 

At this point, I fear that any contact with Sunrise will be tantamount to admitting that the debt is mine, and that is not my intention at all. This negative mark is the one and only negative mark I've ever received on my credit reports, and I work hard to ensure that my credit reports are truthful and positive. 

I also fear that even if this company removes their mark from my credit report, that this debt will be moved to the next collections agency and I'll be stuck in the same loop of filing a dispute with the credit bureaus indefinitely. 

I have uploaded the page from the XXXX dispute results letter I received that shows that " this item was DELETED from [ my ] credit report. '' Thank you for your help.
Product: Checking or savings account

On XX/XX/XXXX I called Citi to let them know while traveling my card had been compromised. There was a charge for {$38.00} and another charge for {$4.00} and some change. I filed a disputed and was told I should receive my credits in 2 business days. Today is XX/XX/XXXX and when I called the representatives are trying to say I need to wait until AFTER the investigation. No, I dont. That is a debit account, thats MY money. I shouldnt have to wait until the investigation is over to get my credits. I find it odd that I have to wait until AFTER the investigation to get my money back when one of fraud Transactions was already returned.