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

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit
report, immediately : Experian XXXX XXXX XXXX XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX. XXXX XXXX  Account # XXXX Dater Open XXXX XXXX Balance XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX. XXXX XXXX XXXX Account # XXXX Date opened XXXX XXXX Balance XXXX XXXX. XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX. XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened XXXX XXXX Balance XXXX XXXX XXXX XXXX Account # XXXX Date opened XXXX XXXX BalanceXXXX XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Date XXXX XXXX Balance is XXXX XXXX. XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX. XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXXXXXX XXXX XXXX XXXX Account XXXX opened XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date oponed XX/XX/XXXX Balance XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX  Account XXXX Date opened XXXX XXXX Balance XXXX XXXX. XXXX XXXX Account XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX. XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXXXXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX Account XXXX Date XX/XX/XXXX Balance XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX XXXX. XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Balance XXXX
Product: Payday loan

I recieved a loan for {$460.00} about five years ago from Advance America. I was contacted by one debt collection agency XX/XX/2016 and paid them {$700.00}. Then XX/XX/2016 I was contacted by a XXXX debt collection agency, XXXX XXXX XXXX. They informed me I had to pay over {$800.00} or I would have a summons sent to me and have to appear in court. I proceeded to pay them because I believed this debt was possible late fees or extra charges. I paid {$840.00} and recieved a reciept via email. However I was contacted by a XXXX debt collection agency saying I have to pay {$700.00} or I 'll have summons sent to me and I 'm very angry and confused as to where over {$1500.00} has gone too because Advance America says in their system I still owe {$460.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  recently " won '' a dispute before Transunion, " proving '' I still owe them XXXX dollars. This is not the case. I paid them XXXX dollars over the phone on XX/XX/year>. They refuse to acknowledge it, although my bank records from XXXX XXXX XXXX and my online account shows that I owe them XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. These are the items that needs attention : XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$270.00}
Product: Credit reporting or other personal consumer reports

I attempted to remove a fraudulent collection report initiated by XXXX who provided me with a letter stating that I was not responsible for the debt due to identity theft. I supplied Experian with the letter and they reported back to me that they verified the debt with XXXX. How can this be when I gave them XXXX 's letter stating I was not responsible? They obviously did not investigate my complaint and lied with their reply.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Westlake financial send my debt information to my all my credit bureau I been affected by covid19 loose my job I been trying to talk to them to make a payment arrangement with lower payments to be able to make and they don't want to help me every time that I talk to them they will want me to pay a lot of money at front and also very high monthly payments that I can not afford at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 -15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting, credit repair services, 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 OF CXXXX XXXX XXXX XXXX 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 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 the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report by more than 7 years.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my persistent and unsuccessful attempts to dispute fraudulent items on my credit report. Despite numerous efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The fraudulent items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the following actions to address this issue : I initiated my first dispute with your bureau, providing all the necessary documentation to support my claims, including detailed explanations of the fraudulent nature of these items. 

Subsequently, I followed up to check on the status of my dispute and request updates on the investigation. 

Despite my repeated attempts to rectify this situation, the fraudulent items remain on my credit report, causing severe financial distress and harming my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is of utmost importance that my credit report reflects my financial history accurately and that these fraudulent entries are promptly removed. 

I kindly request that you take immediate action to investigate and resolve this issue by removing the fraudulent items from my credit report. Timely resolution of this matter is crucial for my financial stability. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including previous dispute correspondence, supporting evidence, and any additional documentation requested during previous disputes.
Product: Credit reporting or other personal consumer reports

Subject : Disputed Account Removal and Verification of Debt Request for Deletion from Credit Report To : All Credit Bureaus ( Experian, XXXX, XXXX ) I am writing to notify you that I recently disputed two charge-off accounts listed under my name with XXXX XXXX XXXX  on my XXXX credit report. After the dispute process, XXXX completed its investigation on XX/XX/year>, and completely deleted the accounts from my XXXX report. 

The disputed accounts in question were for the following amounts : {$590.00} account : XXXX {$760.00} account : XXXX As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611, I am entitled to request the removal of any unverifiable or incorrect information from my credit report. Since XXXX has completely removed these charge-off accounts due to their inability to verify the debt, I believe it is in violation of consumer protection laws for these same unverifiable accounts to remain on my records with your agency. 

Given that XXXX has deleted these accounts due to their inability to verify the debt, I request that you conduct a thorough investigation into the matter and remove these unverifiable accounts from my credit report within 30 days or less. The Fair Credit Reporting Act ( FCRA ) mandates that you correct or delete any unverifiable information within a reasonable time frame. Failure to comply with this request could result in legal actions. 

I would also like to remind you of the following legal protections under the FCRA : Section 611 of the FCRA : If any information is disputed by the consumer, the credit reporting agency must investigate the claim and, if the information can not be verified, must remove it from the consumers report within 30 days.

Section 616 and 617 of the FCRA : If you willfully or negligently fail to comply with the requirements of the FCRA, I am entitled to pursue legal action, which may include suing for damages, as well as seeking statutory damages of up to {$1000.00} for willful violations. 
Section 605 of the FCRA : The removal of unverifiable debt is not only a right but a requirement. If information is found to be inaccurate or unverifiable, it must be deleted promptly.

Therefore, I respectfully request that you remove the two charge-off accounts from my credit report within 30 days due to their unverifiable nature. Should these accounts not be removed in the required timeframe, I will not hesitate to take legal action and will explore all available options to protect my rights under federal law. 

Please confirm the removal of these accounts in writing or by updating my credit report as soon as the investigation is complete. 

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

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

yr est 2018 I was having trouble making payments on my car loan so I differed my payments but later the company reported the payments has late payments.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint against XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) regarding Account Number : XXXX, based on violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681 Section 602 A, the FCRA affirms my right to privacy, which I believe has been compromised by XXXX XXXX XXXX 's actions. 

Additionally, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish information regarding an account without my explicit written instructions. It appears that XXXX XXXX XXXX has provided information without adhering to this requirement.
Product: Debt collection

XXXX XXXX now held by United Holdings Group. Opened XXXX. 

Ive easily paid 2x the amount borrowed, and they still want more, even in XXXX. 

The debt has been passed around from one entity to another ( all owned by the same group ). 

The CFPB alleges that XXXX, XXXX, and XXXX violated the Consumer Financial Protection Act ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ) by purchasing defaulted consumer debt and then placing that debt with, or selling that debt to, debt collection companies that used threats and misrepresentations to coerce payments from consumers Consumer Fin. Prot. Bureau v. XXXX, XXXX. XXXX ( W.D.N.Y. XXXX XXXX, XXXX ). 

I have been called by agents representing this company demanding money or face an arrest ( claiming they would send the sheriff to get me ). 

Family and extended family have been called and have been given case numbers and deadlines in which I would need to respond.
Product: Credit reporting or other personal consumer reports

I am writing in response to THE decision to decline my fraud block request, as detailed in your letter dated XX/XX/year>. I respectfully disagree with your determination and would like to highlight that there is already a pending fraud case regarding this matter in federal court ( Case Number : XXXX ). The transactions in question are a direct result of identity theft, which has been clearly outlined in my case. 

Despite your assertion that the accounts reflect a history of payments or previous disputes, I have no knowledge of the transactions that took place after the identity theft occurred. These fraudulent activities were reported promptly upon discovery, and I have taken every step necessary to resolve the situation, including notifying the proper authorities. 

Furthermore, under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information blocked from my credit report. The rejection of my fraud block request, despite a federal case being open, does not align with this legal protection. I urge XXXX to reconsider this decision and take immediate action to block and remove the disputed information. 

Additionally, if this information is not blocked and removed within XXXX days, I will proceed to open another federal case. I am fully prepared to take further legal action to ensure that my rights under the FCRA are upheld. 

I will provide any additional supporting documentation, including court records, if required. However, I believe that the ongoing federal case is sufficient evidence to warrant immediate corrective action. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Sir or madam, To whom it might concern, I wouldreally appreciate if you would take to consideration my request in regard to resolving my debit card issued on XX/XX/20 witch is showing on my Unemployment statusprofile, witch I never receive. 
I tried to reachUnsuccessfully Key Bank during past 7 weeks over the Phone, total of about 20 hours. 
As a result I know that an unemployment representative sent an email regarding my missing card to KeyBank two weeks ago, I still have no response on this email. 
I tried to reach KeyBank on XXXX and they refered me to the link where I can not find any resolving solution, because I do not have my debit card in my possession, and also the phone number where I cant find any Success of connecting with a KeyBank representatives. 
I would really appreciate if you can help me get my debit cardmailed again. 

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

Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. I'd like you to remove the late payment from this account ASAP : XXXX XXXX
Product: Checking or savings account

I have used my bank of America accounts for over two years. And I have called bank of America thounds of times, they know my voice very well.This time I'm trying to send a wire transfer just like before.The customer service said they can't verify me through the phone, so they can't send out the wire in order to protect me. I said it's ok because i can send money from boa to my other bank, so I asked them just cancel the wire but not close my online banking. But the customer service told me he will close my onling banking and it won't be opened unless I come to branch, I told him I'm in XXXX and I'm in hospital, my body doesn't permit me to do so. i asked if there is any other optoion like video chat, zoom meeting that they can offer, he insist I must come to branch. And I'm tired of this, I asked him to close my account and send checks to my address on file. He said I even can't close my account. Now I don't have any access to my money, my balance is over XXXX. Dear CFPB please help me, I need my money.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX -BALANCE {$5900.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$19000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -BALANCE {$59000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  # XXXX -BALANCE {$340.00} DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been disputing information on my credit report on several accounts for 2 years. I have included excellent proof which consisted of a signed letter from the property manager for account with the name of XXXX ( XXXX XXXX XXXX ), indicating it was paid 5 years as of today and given to me upon payment for my records. Yet they have not deleted it. The XXXX item is XXXX, it should never have been listed for the following reason : A ) It is illegal in the state of Maryland for judgments to be placed on credit reports unless the money judgement box is checked, B ) The amount on my credit report is {$9000.00} but the judgement amount was {$4100.00} C ) I filed an appeal to vacate it and it was granted and D ) By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against XXXX and Equifax if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers..