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

In accordance with the Fair Credit Reporting Act, Security Finance account has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

On more than one occasion, I requested XXXX, XXXX, and XXXX research inaccurate information on my credit report regarding inaccurate information reported by Security Finance. I was advised on multiple occasions that the debt with Security Finance was verified as accurate. Security Finance furnished XXXX, XXXX, and XXXX my account information without my written instructions to do so. 

In addition, Security Finance has maintained inaccurate information on my credit report and knowingly misrepresented that inaccurate information as accurate. 

Security Finance reports different dates for the last reported payment date to the credit bureaus. It is impossible for that information to be accurate as the last payment date would have to be one consistent date in order for that date to be accurate. 

In addition, Security Finance reports different late payment information to the credit bureaus. One credit bureau has 30/60/90 day late payment information reported by Security Finance that is different from the 30/60/90 day late payment information reported by Security Finance to a different credit bureau. 

Security Finance has continually furnished my account to the investigating credit bureaus without my written instructions. Security Finance has, and is currently still, knowingly reporting false and inaccurate information on my credit report and misrepresenting that false information as accurate, despite my attempts to have the account removed from my credit reports.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Purchase was made from XXXX XXXX and not used at all. In other words, I purchased what works as a gift card and never used it within the first 72 hours and returned it at or immediately before the end of the 72 hour period. Industry standard is five day threshold, not three, and such five days allows use irrespective of request for refund. Issue was resolved with vendor but vendor didn't seem to have processed a refund after the first billing period so complaint was filed with bank. Bank unresponsive as to the complaint. Doesn't acknowledge receipt of the letter regarding the issue.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment Inquiries on Credit Report Dear XXXX XXXXXXXX XXXX XXXXXXXX Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries that do not accurately reflect my credit history. These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported for the following account : XXXX : XXXX These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 
The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information
( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ).

In light of the above, I formally request the immediate removal of the disputed late payment inquiry for the account referenced above from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

Forever 21, XXXX XXXX XXXX  and multiple credit card companies have been calling me asking me to pay debt that was accrued due to identity fraud. My mother opened multiple credit cards in my name and never paid off the debt. I have told this to multiple credit card companies that call me and think still think Im liable to pay debt that is not rightfully mine. I have even made a police report about my mother committing identity fraud and opening credit in my name. She used my name and fake birth year to act like I was legal to get a credit card and never paid the debt off.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

SANTANDER XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX  CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX COMPTROLLER OF CURRENCY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX disputed a debt that I do not owe. The credit bureaus continued to report this false information. They contend that the debt is verified while I sent and received a letter from the debt collector that they can not find any account i their office.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I sent a request to have an item removed from my credit file, because number one, it is reporting that it was included. and discharged in a XXXX  XXXX bankruptcy, which is incorrect, it was never included in my bankruptcy. This was a savings account. They verified that the information was correct. XXXX verified this. In my request, I asked them to give me a name and a phone number of the person that verified that this account was included in a bankruptcy, they just sent a copy of my report back stating that the information was verified. I also asked Transunion to remove this information, because they have it reporting as a loan, and a paid collection. This is 100 % inaccurate. This amount is for {$89.00}, and it was a closed savings account that never went into collections. I paid it, and I still have an account with this financial institution. Also I understand that because this amount is under {$100.00}, it is not factored in my Fico score, so I want it deleted all-together. It is reporting wrong, and it does not help my Fico score either way. According to US CODE 1681e, sub-section b. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assume maximum, possible accuracy of the information concerning the individual, about whom the report relates to.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX and XX/XX/2021, I requested Experian to investigate a collection account XXXX XXXX XXXX XXXX XXXX  which recently appeared on my credit report. In my letter of XX/XX/2021, I explained that I was exercising my rights under FCRA ( Section 609 ( to request information about this account including any contracts bearing my signature. I asked them to remove the account, as required by law, if they were unable to validate it. 

In both disputes, Experian did not provide me with any information ( sources ) that they used to confirm the validity of the account. Experian did not properly investigate my dispute. They did not provide me with the source of their information, nothing to help me research this account with XXXX XXXX XXXX. 

On XX/XX/2021, Experian notified me through their website that the company XXXX XXXX XXXX XXXX ) reported that the information was accurate. How can the entity that is tasked with investigating disputes ignore my rights as a consumer, my requests for their source of information and instead dismiss the dispute because the furnisher stated it was valid? 

Experian has not provided me with any information that verifies the account. The account they are reporting is unknown.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a report of a account on my credit report the name is XXXX XXXX XXXX for a loan I did n't open this account and it 's not mind
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX, I recently applied to your CITI PREMIER credit card, I activated and registed on my online account, as I wanted to start using it to take advantage of the benefits your card offer. 

Unfortunately im having the worst experience possible with your Citibank, I had called several times, around 10, because it seems that my card was block, because your fraud department needs to verify information, and that's okay, I have card with other banks like XXXX or XXXX and I appreciate that. But your representative that unfortunately are not US BASED, it seems that they understand what I say, I know they might be doing their job, but is so frustrating that I can provide all my information, SSN, DOB, Phone, address etc., and they are giving me a hard time, they ask for my phone number, and them they said that they can not verify me with my phone, that I myself verified is correct thru online banking At this point I just wanted to cancel my credit card. but they wont let me. so literally I can not used or closed. is just madness, I really don't understand how one of the major banks in the US, can provide such a bad service, it has been a week, and nobody resolve nothing to me. 

Is truly the worst experience that I had with a bank. I feel discriminated and is frustrated that this bank treat customer like this. 
I hope you can help. 
My contact information is XXXX XXXX XXXX account ending on XXXX. 

Thank you
Product: Money transfer, virtual currency, or money service

Cash app closed my account claiming I violates terms but can not tell me what terms and they are lying. This feels like a discriminatory action against a XXXX man.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN.
MY ADDRESSES ARE INCORRECT EMPLOYERS EVEN PHONE NUMBER ITS BEEN OVER A YEAR AND THIS IS RIDICULOUS!!!!!

Credit Report Inaccuracies XXXX
XXXX  TRANSUNION AND XXXX  FromXXXX XXXX XXXX  I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing INCLUDING MY INCORRECT ADDRESSES,EMPLOYER, AND PHONE NUMBERS on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Sincerely, XXXX XXXX XXXX
a. Identity Theft Report
b. List of Fraudulent Accounts on my Report
c. FCRA Sections 605,609,6011
d. Proof of Identity and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company said the information was verified but Im needing to know whats the name of their employee who spoke with employee from that company also the name of the employee from the company they spoke with to verify the information being disputed also send payment history and original contract that was signed which includes the balances and payment history for Florida Department of Revenue, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX this is informing them that a Letter of Intent to sue is next step if this information Im asking for can not be provided also the company response was well over 30days since the certified letter was stamped XX/XX/year> they did move and a timely matter
Product: Checking or savings account

Im actually sitting in the bank and theyve even held a short meeting in the back to poorly lie and explain why they keep taking overdraft fees for no reason. They cant explain how my deposits dont cover my debits. Theyre on the phone now trying to figure out a way to explain why my deposit wasnt counted. Now theyre saying they dont know what times deposits and debits hit the bank. This has caused a snowball effect, driving my account more and more into a negative status. This is not the first time theyve done this. I let them know that I am in contact with you guys and all of a sudden, they can reverse the fees. Well see how this plays out and Ill file another complaint if theyre still trying to run this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Details : I had a CAPITAL ONE XXXX  CREDIT CARD LAST FOUR # XXXX. 

Circumstance : Due to COVID, my wife getting sick and complications arising from this ( paralysis ) I had 3 late payments, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am current. 

First Attempt : I tried stating that due to this and The CARES Act protections for consumers with late fees to remove them as this is hurting my credit more than anything.

Additionally, according to " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Since a late fee is an experience, it is not even legal according to Congress. I do not owe Capital One any money, so for multiple reasons this should be removed.

However I don't think they got the message as it was done online. 

Second Attempt : Today I spoke with Capital One at XXXX XXXX XX/XX/XXXX and they said they would remove them, but their system wouldn't allow it. 

I only got this credit card to improve my credit and it is hurting me so bad I can't get another credit card, car or house. 

I currently have a credit card with them, no negative marks. It only has a {$2000.00} balance and I had to pay it off 4-5 times last month due to low balance.
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 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.