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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of an of an investigation. This practice violates the Fair Credit Reporting Act 15 U S.C. 168i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C.5536 ( a ) 1A -b? B, as highlighted in the CFPB 'S recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
This is a list of all disputed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX DC XXXX Subject : Dispute Regarding Paid Account with TransUnion Dear CFPB Team, I am writing to bring to your attention an issue I encountered while attempting to dispute an account with TransUnion. I reached out to their dispute department regarding an account that has been paid in full, and I believe it has not been updated accordingly in my credit report. 

Despite my efforts to provide the necessary documentation proving that the loan was paid, I have not received a satisfactory resolution to my dispute. 

I kindly request your assistance in resolving this matter with TransUnion to ensure that my credit report accurately reflects the status of this account. I have attached copies of relevant documents, including payment confirmations and correspondence with TransUnion for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX [ Attachments : Payment confirmations, correspondence with TransUnion, etc. ]
Product: Credit card or prepaid card

Kohls cashier asked me multiple questions after I asked if she could look up a basic rewards card, like at a supermarket. Was asked for all sorts of information and as it turns out, I was signed up for a credit card Without knowing. Occurred today XX/XX/XXXX. Kohls location XXXX. The store is aware. They said it happens all the time and they couldnt figure out how this one cashier was signing up so many people. Fraud. They said the way the card offer is presented is misleading. I called the toll free number on the form they gave me later this evening and asked them to reverse the credit application. They were giving me a hard time about it. Very difficult to cancel. Interest rate of 25 percent. Returned the goods of about {$50.00} and closed the account. Store cashier Totally misrepresented her actions and credit department didnt agree it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I open an account with Experian to fix my Identity theft after years of seeing no changes. I realized nothing has been removed. By Law under FCRA it say medicals records need to be removed hard inquires, student loans, bankruptcies, repos, evictions. None of these items have been removed. I need thimoved as soon as possible. They said all three credit bureaus would be repaired. Experian totally stole my money and never repaired anything. I look forward to hearing from you. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$21000.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$240.00} XXXX XXXX Balance : {$570.00}
Product: Checking or savings account

I went to Wells Fargo bank brunch with my ID with appointment many times before in regard to ask them to correct the issues in my account but they said that customer services are not available for that certain time and I did not received assistance, and last time when I went to Wells Fargo at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the costumer service said that your account is blocked and they can not provide any information to me.
Product: Money transfer, virtual currency, or money service

squareup scammed me out of XXXX USD!!!!!! 
I cant access any customer support by chat or by email! they just fully ghost me! They have my payouts on hold since XX/XX/2023!!!!!!! 
law enforcement has to look into this! THEY ARE A COMPLETE SCAM! I HAD XXXX CHARGEBACKS ON MY ACCOUNT! AND THEY JUST STOPPED PAYOUTS PRETENDING THEY DO A REVIEW! I SEND THEM THE INFO THEY REQUESTED! BUT NOW THE ACCOUNT IS COMPLETELY DEACTIVATED! AND THEY HAVE MY MONEY! NOBODY AVAILABLE TO TALK TO ME ABOUT HOW I GET MY FUNDS!
Product: Debt collection

Central Portfolio Control called me to for a debt on a loan that they said was mine without contacting me with a letter my mail first. I requested they send me a copy of the loan documents with my signature on it but the documents sent had another parties names and signatures. Also my printed name is on one of the pages with an email address that is not mine.
Product: Checking or savings account

It's been 3 days and I still haven't received my check! I have bills to pay and plus I need to buy food for my household. I know that Capitalone is having problems with their systems but this is ridiculous! It still should have been resolved. Customers should not be treated this way!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the amount charged from XXXX on my credit report. The amount was paid in full on the XXXX  website. I sent a screenshot of my bank account statement showing it being paid to Experian and Experian denied it and will not update my report. I need help. I am tired of these credit reporting agencies getting it wrong. Where are my right?
Product: Credit card

Although I contacted Citi in XXXX through CFPB ( See Complaint # # XXXX ) and received letter from Citi and reply through CFPB that they will STOP sending me paper mail and advertising within XXXX, their Paper Mail advertising continues .....
Product: Mortgage

In XXXX, I submitted a complaint to cfpb about Select Portfolio Service reporting my account as over 90 days late due to an error that their agent made in XX/XX/2023. The issue was fixed with my credit. Now, I am getting calls that my mortgage is late again. I have never missed a principal plus interest payment since my mortgage has been with SPS. I have questioned and continue to question the balance of the escrow account. The monthly estimate is too high. 

I need my mortgage account to be corrected and show that I am not late. See complaint XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX  XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time of my incarceration someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX  {$590.00} on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account I never approved or asked to be added to on XX/XX/XXXX and also XXXX XXXX XXXX  {$720.00} on XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX  Can you please investigate and remove from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **To : ** TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : ** Request for Removal of Incorrect Addresses and Name Variations **Credit Report Date : ** XX/XX/XXXX **Name : ** XXXX XXXX XXXX **Date of Birth : ** XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit reports from TransUnion, XXXX, and XXXX. Upon reviewing my credit report, I noticed the following incorrect addresses and name variations that do not apply to me : 1. **Addresses to be removed : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only correct name is XXXX XXXX XXXX XXXX  and the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not live at the addresses listed above, nor have I used any other variations of my name. 

Please remove all inaccurate addresses and name variations from my credit report. I kindly ask that this information be updated and corrected as soon as possible to reflect only my current name and address. 

Thank you for your prompt attention to this matter. Please notify me when these corrections have been made. 

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

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and TransUnion, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, TransUnion, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under XXXX5 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting

I keep disputing this information with Equifax regarding these accounts. I asked the companies on my dispute to validate the debt as well as the negative information that they keep reporting to Equifax. I never received any validation of debt or any competent proof. Equifax claim they verified the debt and I would like to see the verification that they have received regarding these disputes. I have also filed complaints against these companies.
Product: Vehicle loan or lease

Credit Acceptance has charged me over {$15000.00} in interest for a used XXXX  XXXX XXXX. i am already {$12000.00} in negative equity with the car itself.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX ordered a quilt from XXXX for {$47.00}. I did not receive the quilt, instead they sent a drapery panel. They will not credit me checking account until I send back the drape I did not oder. I advised I am high risk and do not leave the house. They are holding my money hostage. I opened a billing dispute with Chase Bank and they will not credit my account because I received a drapes. I made a transaction in good faith. I did not receive my merchandise
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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: Checking or savings account

I was scammed by a group claiming to be XXXX ( electric company ), stating that my payment was late and my electric will be shut off within the hour. If I used the XXXX service, it would be expedient and prevent the disconnection in time. I fell for it. They knew my name, they knew I was a few days late with payment, and they knew the amount of my payment. Having this information made it appear legitimate to me. I set up the XXXX as they instructed, and sent payment. I quickly realized that it was not legitimate once they started to ask further information about my banking institution. Given the instantaneous nature of XXXX, I was not able to reverse the transaction that was put into motion mere seconds earlier. I hung up and called my bank within minutes, and was told that there was nothing they could do to reverse the transaction. They then told me that I could not be reimbursed and I had no recourse, since it was considered an authorization on my part. My financial institution did not even try to say that they will look into it- they immediately told me I was at a loss.