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

I've sent numerous letters to Equifax in and effort to fix my credit report. After not responding for several months and after my initial CFPB complaint have still not conducted the investigation not corrected/removed the inaccurate information from my report. This has been going on for over 120 days and I've sent most of the letters certified. Receipts were included in my CFPB complaint but apparently didn't help. To make matters worse I received a letter from Equifax ( I assume as a response to the compaint ) only addressing an account that I did not even dispute with their company and accounts I am actually disputing are still not showing as in dispute status nor have they been removed. This is extremely frustrating. What is the point of having a consumer protection bureau if they aren't protecting the consumer? Just sending my complaint to Equifax isn't working ... they're ignoring my right to dispute inaccurate information on my report and you guys are forcing them to look into it. I apologize for contacting you again but this whole ordeal has been extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am XXXX and my birth certificate is from XXXXXXXX XXXX XXXX XXXX Social office will state from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I 've Disputed 5 transactions not authorized or completed by me which details are XX/XX/XXXX XXXX {$49.00}, XX/XX/XXXX XXXX  $ XXXX,XX/XX/XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX {$39.00} on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I currently still have in my possession and I requested a new card since my account number XXXX was used without my knowledge.Customer Service Rep issued me a new card and was sent via next day service.Received new card with new number. But Customer Service Failed to closed that account ending in XXXX and card was continued being charged from previous reported disputed transactions and additionally from new online merchant XXXX and XXXX XXXX without my consent or authorization. I 've tried my best trying to communicate this information to customer service and Level 2 on XX/XX/XXXX after explaining such error they have created and from its mistakes on not closing my account when reported and confirmed by rep transactions were still being completed Several reps just disconnect me from the line or continue transferring me to the same department over and over again until calls disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning inaccurate negative reporting on my credit reports from Possible Finance. As of, XX/XX/XXXX, my XXXX and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the Possible APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with Possible Finance. I have email confirmations of my payment schedule and payoff dates from Possible Finance to confirm. I have attempted to dispute this inaccurate infomation with XXXX and XXXX, and I have contacted Possible Finance via email to resolve this issue. Possible Finance refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. XXXX needs to hold Possible accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes directly with Experian regarding improper use of my credit report. Experian is not conducting an investigation regarding my claim. They closed two disputes and stated it was a duplicate complaint. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Bank account number starting with XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my XXXX XXXX Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These XXXX accounts are severely damaging my XXXX XXXX and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused XXXX XXXX for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my XXXX XXXX  without any further delay. With your help, I hope to restore the accuracy and integrity of my XXXX XXXX so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I contacted XXXX to stop my account. I returned my equipment the end of XXXX. I received a notice via email that I needed to make a payment by XX/XX/XXXX and on Monday, XX/XX/ i received notification from the credit bureau that the account is in collections. I reached out to XXXX on XX/XX/2023 to discuss the account and was informed that they forwarded the account to a collection agency. So am confused. If the account has been forwarded to a collection agency and i never received a notification from them stating that this would happen. How can the bureau report inaccurate information.
Product: Mortgage

I got a Reverse Mortgage in XXXX 2009. My original principle was {$100000.00}. I have only drawn out {$38000.00}. I am not finding what happened to {$31000.00}. I have requested a complete schedule of withdrawals and an available balance numerous time, and have only received partials.
Product: Credit reporting or other personal consumer reports

I have informed all third parties entities of the XXXX privacy rules clear and conspicuous notice of the financial institutions information sharing policies and practices. The privacy notice must be provided when a customer relationship is established.Providing customer the right to opt out of having their nonpublic personal information shared with non affiliated third parties.financial institutions must process opt-outs within XXXX days or refrain from disclosing account numbers or similar forms of access codes to any non affiliated third parties for marketing purposes..15 USC 6809 ( 4 ) 15 USC 6809 ( 3 ) Ive asked for the consent form and have been ignoredXXXX TRANSUNIONXXXX XXXX  are non-affiliated third parties entities. Im asking CFPB to enforce these laws under the Gramm-Leach-Bliley Act with authority.6809 ( 9 ) 17 CFR 248.124 15USC 6802 ( d )
Product: Credit reporting or other personal consumer reports

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 XXXX 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 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  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, credit repair services, or other personal consumer reports

I have sent letters to you requesting that you remove inaccurate accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper investigation on the following accounts XXXX  XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX  and XXXX. I have advised that the The Date of Last activity is showing inconsistent dates on the listed accounts requested you to remove them due to violation, but yet you have ignore my request.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XXXX XXXX XXXX XXXX purchased the loans and this was placed on my credit. On XX/XX/ via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. XXXX first denied it, but they purchased this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XXXX XXXX XXXX XXXXXXXX from XXXX stated, " XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the XXXX loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX that the nine accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/ the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing that I have XXXX accounts on my credit report being reported as : US DEPARTMENT OF EDUCATIONXXXX. They both have a XXXX balance and is closed. They have been on my credit report for more than 10 years. I have disputed this with Equifax credit bureau on several occasions but all they keep doing is verify that the accounts belong to me and that the information on these accounts are accurate. I know these accounts belong to me and that the information is being reported accurately. What I want is for these accounts to be removed from my credit report because its been over ten years that they've been on my credit file. Please help me and do something about this.
Product: Credit reporting

XXXX allowed a 3rd party to charge to my account!! it was for jewelry that I did not receive.I was in hospital when this was shipped to my former address in XXXX ... I came directly to XXXX. from hospital..they finally took charges off, but still report me as missed 3 payments..now they send me statements saying I have a XXXX credit coming LOL
Product: Checking or savings account

Hi there, I applied for the XXXX XXXX checking account and was approved. Since then I've created online login and received debit card, however, I was not able to access the online portal either on the desktop or via the mobile app. It consistently displayed error " Something went wrong. ". Please advise asap, this feels very scamy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified and notarized letter that was received by Great Lakes on Monday, XX/XX/2023. I am writing my final time to express my concern regarding the unauthorized reporting of my personal information on my consumer report. As a consumer, I am protected under 15 USC 1681a ( 4 ), which grants me the right to privacy. This implies that my nonpublic personal information should remain confidential per 15 USC 1681 ( b ). The unauthorized reporting of my information has violated my rights. I am deeply concerned that my nonpublic personal information has been reported to consumer reporting agencies, especially given the numerous data breaches these agencies have experienced. This is not only an inconvenience but also a violation of 15 USC 6801 ( b ) ( 3 ). Regrettably, I was not provided with these disclosures, nor was I given the opportunity to opt out of having my information reported. I am now exercising my right, as a federally protected consumer, to opt out of having this information reported. I insist on immediate action to rectify this situation. Failure to comply with these federal laws will leave me with no choice but to take legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted, to date, I have not received satisfactory proof that the late payment was accurately reported. 

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute. 
All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting. 

Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence. 
Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information. 
Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect. 
I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.
Product: Debt collection

American Express has provided irrelevant information to constitute as debt validation. Copies of statements arent proof of debt validation and is frivolous evidence to prove original debt instrument used to initiate contract between me and American Express, no original wet signature to establish contract and also be aware FCRA Section 611 15 USC 1681i a reinvestigation is necessary to validate said disputed information. Upon reinvestigation if no original documents as per federal evidence procedure XXXX are presented then debt is invalid and removal is demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Is reporting XXXX XXXX on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting XXXX XXXX they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as XXXX, which alerts lenders of my race based on the first number being a XXXX or XXXX, so I've been told by a Bureau expert. 
I need these items removed from my report. 

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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 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 XXXX XXXX XXXX XXXXXXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX NOT PROVIDED XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.