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

Filed A FTC ReportXXXX XXXX  XXXX responded account 's meet FCRA requirements, unfortunately that statement alone will not suffice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Pursuant to 1692g , i am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX + XXXX XXXX  XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 
RE : Method Of Verification ( TransUnion ) METHOD OF VERIFICATION LETTER Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards,
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Incorrect Information Due to Violations of the FCRA and CFPA Dear, CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of negative accounts from my credit report.

I have been a victim of your unfair practices and demand the immediate removal of these negative accounts.

I have been directly affected by multiple violations of the law committed by your company, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to your negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm.

As a result of your errors and failures in managing credit information, I demand the immediate removal of all negative accounts reported on my credit file.

Violations Committed by Your Company 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted disputes regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors.

2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) )
Some negative accounts that were previously removed have reappeared on my report without justification or prior notification.

3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged.

4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice. 

Negative Accounts That Must Be Removed Below are the accounts that have been incorrectly reported and that I demand be immediately removed from my credit report : XXXXXXXX XXXX XXXX  ( Partial Account Number : XXXX .... ) account was deleted and they put it back on me I demand the deletion. 


I Demand Immediate Action Since the CFPB has already fined Equifax {$15.00} XXXX and has sued XXXX for these same practices, your company has already been found guilty of these violations. 

Therefore, I demand the following : 1. Immediately remove all negative accounts listed in this letter.

2. Provide me with an updated credit report reflecting these changes.

3. Cease any reinsertion of incorrect information in my credit history.

If you fail to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages.

I have attached copies of supporting documents for my claim and look forward to your prompt response. 

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

I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/23 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

On XX/XX/year>2025 my checking and savings accounts were restricted and I was unable to deposit or withdraw from my accounts. I called for resolution and was " assured '' that the problem was a " routine check '' and that it would be resolved " soon '', however I have yet to see the account be unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00}
Product: Student loan

XXXX University paid the FTC 100 million dollar lawsuit. But they are still trying to collect the money from me, buy sending me Notices and outsourcing to a third party debt collector. All private loans must be dropped, But XXXX XXXX XXXX is still trying to collect the money. But meanwhile they gave me a default clearance letter because they know they are in the wrong. If I owed debt, I would not be able to get a default clearance letter. 

Also, I received a check from the lawsuit for XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. I want these accounts deleted from my report : XXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX  alerted me to a hard inquiry on my XXXX credit report. This alert led to me check all other credit bureaus for new inquiries. While examining my XXXX report I noticed that a hard inquiry had been made against that report also, on the same date ( XXXX ) but for a different company. The XXXX report showed the inquiry was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have dealt with that as a separate case. My Experian report showed a hard inquiry for XXXXJARED. This is the inquiry I would like to address with this complaint. 
As stated, it was dated XXXX XXXX, XXXX. I did not make any requests for credit on that date or in the weeks prior. I also never requested credit from Jared. I called Jared ( the company ) and they were only able to confirm that there wasn't an account under my name/soc. sec #. and they advised that they wouldn't be able to provide any details on the inquiry. They suggested that I reach out to the credit bureaus to try and resolve the issue. I submitted a dispute with XXXX  and I am awaiting their update. In the meantime, I am following the same steps I was advised to take with the hard inquiry found on my XXXX XXXX report, and I am opening a complaint with CFPB so that I can provide the report number to XXXX, if requested. I have also put a freeze on my XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

XXXX has a failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving in accurate or unverifiable accounts unrelieved. The Consumer Financial Protection Bureau. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX 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 amen the dispute accounts as XXXX in action, violates federal law in my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Somebody stole my phone and eventually started opening up a bunch of credit cards and accounts in my name starting from XX/XX/XXXX to the XXXX I've called XXXX XXXX XXXX XXXX XXXX. I asked experian for my credit report and I see a phone number on there that is not mine
Product: Checking or savings account

I deposited my homeowner 's insurance check from my claim from hurricane Ida, into my savings account on XX/XX/, at the local branch. I was told that the fund will be released on XX/XX/XXXX XXXX XXXX  On Friday, XXXX XXXX I noticed my account was restricted I couldn't use my debit card. I couldn't withdraw or deposit money into my account. I called Chase on the phone and was told that the check that I deposited was fraud. I spent 2 hours on the phone while they investigated me as if I were a criminal. They asked so many questions I had to give them my lawyer 's number to speak with them. I was told that the check was clear from XXXX XXXX  but they still were holding it as fraud. I feel like they did that to me because of the color of my skin and the amount of the check. To This day the check is still on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

FAIR COLLECTIONS & OUT XXXX Alleged Debt to XXXX XXXX XXXX   in XXXX Florida. I have uploaded my actual lease that expired XX/XX/XXXX. I gave 60 day notice and moved out the weekend prior to XX/XX/XXXX. The complex did not find that I owed any damages or fees. They do not allege any debt on my occupation of the unit in question. They claim that I signed a " mystery '' lease for that same apartment and that I never paid anything until they took possession on XX/XX/XXXX. I had been living in a one bedroom sublet in another county close to my work. I never received any bills or collection notices. 

The first I heard of this fraudulent debt was when I moved down to XXXX Florida in XX/XX/XXXX and tried to rent new apartment. I was declined due to an active collection for an alleged debt to XXXX XXXX equal to {$2700.00} and reported to credit bureaus XXXX of XXXX. The " collection '' company is listed as : Fair Collections & Out XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I was admitted to a hospital in XX/XX/XXXX and was released the end of XX/XX/XXXX. That is when I relocated to XXXX XXXX FL. After the apartment that declined me informed me of these fraudulent credit reporting I contacted the the owners and managers of XXXX XXXX. The district manager claimed I somehow signed a new lease and never paid on it. Yet the charges they claim include {$50.00} to change the locks on XX/XX/XXXX. I contacted FCO and  they only wanted me to send {$1300.00} to close the case without any documentation supporting the fraudulent reporting of debt. 

Since then I have tried everything to remove this claim. Each time a complaint is filed with credit bureaus they wait until the very last day to report that the creditor verified the debt. Yet, they are never required to deliver any proof of the debt 's existence. Neither parties have ever attempted to answer the question of how I could be living in two places at the same time. 

The lease on my current Apartment ends XX/XX/XXXX. As of today I have not been able to gain approval for a new home. Giving FCO a time to respond is a waste of time since I have already provided the proof you need to order all three bureaus to rmove the collection. 

Last note. I would never have agreed to rent that apartment. I only had that large apartment as I took Family Leave and cared for my Father until he passed in that unit. I could not wait to get out of there because the memories of his passing and the grief I felt was debilitating and ultimately led to my Hospitalization. Also, the three bedrooms were needed for myself, my Dad, and a live-in caregiver hired to assist me with my Dad 's care. The complex sent nice flowers and thoughtful notes after he passed again proving the management team were intimately aware of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have several accounts that have been in XXXX balance for some time now and they have not been deleted from my credit report y Others that are already closed and are not eliminated. I need you to help me with that, please
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   Synchrony Bank obtained a credit report on me without my consent. I have been a customer with them and remain in good standing with them for over a year. I never requested a credit increase so there was no reason for them to run a hard credit report on me. This type of practice impacts my creditworthiness. I, m trying to buy a home in the near future and this will adversely affect my chances.
Product: Checking or savings account

I closed an account the beginning of XX/XX/2023 due to fraudulent activities. At the time of closing I had a remaining amount due of over {$7000.00}. I received almost XXXX ( I received this amount inside the bank as I never received the mailed check ). I am still waiting for the remaining XXXX. Each time I go into the branch or call they state a check has been mailed its been over 70 days and I have yet to receive the remaining {$700.00} from this account.
Product: Debt collection

I demand the immediate removal of fraudulent accounts from my credit report. The associated banks confirmed identity theft and assured removal. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Compliance with the law mandates their removal. 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from XXXX  on XX/XX/2019 however XXXX & equifax will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Credit Card account opened at XXXX XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) an XXXX XXXX XXXX opened on XX/XX/XXXX Account number ( XXXX ) an XXXX  on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.
Product: Credit card or prepaid card

I reported last year that Affirm has loans processed from XXXX that I did not approve. These lose seem to be coordinated or automatically processed in a way customer would not have been able to process. I have email that denied a loan follow by emails that say sorry we werent able to process you {$150.00} dollar loan because purchases was {$160.00} lets try this again but we were able to process {$140.00}. That was follow by another loan. I think XXXX didnt realize the type of cards they were using when the card on file didnt work they tried passed card that triggered new loans that I was unaware. All defaulted loan are tight to XXXX. A total of 4. The loan have been written off but Affirm is still adding interest to these loan. They have ruined my credit by dangerously lending. Affirm will not properly do an investigation since they are not being regulated. Is it illegal to charge interest on a loan that they wrote off and sent to collections?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting old addresses and demanding he will not remove. 
Address below is not inaccurate and I am demanding removal : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Product: Checking or savings account

A month ago I requested several loans online so I thought that XXXX of them was the one who was calling me and I trusted them and they told me that they were from a page called XXXX and I started to do what they told me. I was very confident and they sent me something to fill out where I had to put my personal information such as my full name, my address and social security, along with my ID number to give me the loan, I did it and then they asked for my access to my bank account and everything began and they charged me XXXX bank account of XXXX from XXXX XXXX XXXX XXXX XX/XX/2024 and another on the same day of XXXX from XXXX or XXXX XXXX XXXX XX/XX/2024 at that time I called the bank and they closed the account that same day and they asked me to report my social security to them and I just made a report but they have not contacted me and with that I downloaded an app that blocks my information on the internet that is from XXXX XXXX XXXX XXXX XXXXXXXX and thanks to that I I found out that my license number was entered on the dark web with a description of Breached service : XXXX and I just want to fix that if it is necessary to change everything I am scared
Product: Mortgage

In XXXX I applied for a modification but was denied. The reason given by the lender was my income was insufficient. After I recovered from my hardship I applied for a modification in XXXX. I was denied. I received a letter from my lender saying that because I can afford to make my current payments they won't modify my loan.