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

My social security number is XXXX on experian credit report and XXXX Credit report theirs is negative item that's 60 days late it supposed to be removed from my experian credit report and XXXX Credit report theirs is a federal trade commission identity theft report on file please have experian remove the account and XXXX
Product: Credit card or prepaid card

I recently visited the XXXX XXXX on XXXX and XXXX in New York to purchase something. The sales associate mentioned an offer for a " Store Card '', that was explicitly NOT a credit card, and I would save 10 % off my order. I agreed and went through the application, and at multiple junctures, I asked why I was being asked different questions similar to a credit card application, and I was assured it was just a quick check, and I wasn't getting a credit card. Multiple times he said I was getting a " Store Card '' that had rewards benefits similar to a credit card, but it wasn't a credit card. I assumed it was another extension of the XXXX XXXX. After the entire transaction was through I saw that the 10 % was not taken off my transaction and only AFTER the transaction was completed and my shiny new credit card was charged, was I told that the 10 % was going to be put on a rewards balance. This is absolutely disingenuous and I'm pretty sure there are consumer protection laws against this type of behavior. I am lucky in that I have a decent enough credit to be ok with the random credit check and I was able to call CitiBank and have the card cancelled. I just want this to be investigated so that other people who may be  more vulnerable can be protected from this kind of predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

On XXXX there are 3 HARD INQUIRIES for account that dont belong to me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX it after their investigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nation star mortgage XXXX refusing to provide the actual original note to foreclose on this property
Product: Credit reporting or other personal consumer reports

Failure of Experian, XXXX, and XXXX to block information under XXXX5 U.S.C. 1681c-2 ( a ) I am writing to bring to your urgent attention, a matter concerning the NON-COMPLIANCE of Experian, XXXX, and XXXX with XXXXhe provisions set forth in 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information upon notification within four ( 4 ) business days. 

Regarding the following ID Complaint Numbers, as stated in my earlier email to the Consumer Financial Protection Bureau on XX/XX/year> ID-Complaint Number : XXXX ID-Complaint Number : XXXX ID-Complaint Number : XXXX I notified the aforementioned credit reporting agencies of erroneous information that requires blocking under the aforementioned statute. Despite this notification, the agencies have failed to adhere to the statutory timeline and have not blocked the disputed information. 

I thus ask the Consumer Financial Protection Bureau to step in right away to guarantee that my rights under the Fair Credit Reporting Act are upheld since Experian, XXXX, and XXXX have seriously damaged my finances and reputation by failing to comply with federal law. 

I kindly request prompt action by the Consumer Financial Protection Bureau to investigate this matter thoroughly and to enforce compliance with 15 U.S.C. 1681c-2 ( a ) by Experian, XXXX, and XXXX. 

My Next action is Legal Ramification against the CFPB as well as all the Credit Reporting Agencies that continues to violate my Consumer protection Rights. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts : XXXX  Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXXXXXX XXXX- Account No. XXXXXXXX XXXX XXXX XXXX Attached is a completed ID Theft Affidavit and a Police Report. All the items I dispute are also circled on the attached copy of my credit report. 

Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX Enclosures : Credit Report, ID Theft Affidavit, Police Report
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of XXXX XXXX  an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of XXXX XXXX and fraud.I have attached a copy of FTC XXXX XXXX XXXX XXXX XXXX  ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of XXXX XXXX and fraud. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX Ford in XXXX of XXXX. Which included a service contract and a maintenance plan. The car was totaled in XXXX of XXXX. I reached out to XXXX XXXX at XXXX Ford to inform them I no longer have the car, that it was totaled and asked if these plans may be removed. XXXX sent me over a form and gave me instructions to fill out the form. The form was sent to me XX/XX/XXXX. I submitted the form XX/XX/XXXX. Followed up with XXXX XX/XX/XXXX with no response and again on XX/XX/XXXX with no response. According to XXXX there should be a {$3000.00} maintenance plan removed and a {$2000.00} service contract removed. This will allow the balance of my loan to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian and XXXX on XX/XX/22 to update this suspicious information. I think they 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 COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$4800.00}
Product: Checking or savings account

XXXX/XXXXXXXX Citi Business Checking Account open with {$1000.00} promotion when deposit {$50000.00} under the condition of maintaining for 60 calendar days. 

XX/XX/XXXX Deposit {$50000.00} into the account and kept for 112 calendar days. 

XXXX/XXXXXXXX Called to Citi to open an investigation but never had any response from Citi bank. 

XXXX/XXXXXXXX I visited to Citi Bank and I was told that everything looks good and I'm eligible to receive a bonus of {$1000.00} soon. 

XX/XX//XXXX I visited to Citi Bank again and banker told me that everything looks good but I still haven't received {$1000.00} yet. 

It's been more than 8 months since I opened account but I never received bonus that was supposed to receive.
Product: Debt collection

Portfolio recovery has violated The Fair Debt Collection Practices Act ( FDCPA ) They have been calling my phone multiple times XXXX XXXX  on weekends and illegally obtained my phone number when it is changed and also illegally checks my credit without my consent for updates to my contact information, this has now sent to my lawyer for further review after I have explained that this collection was opened fraudulently they refuse to remove the collection and kept adding it to collections then try to remove it to damage my credit score in the best way possible
Product: Credit reporting or other personal consumer reports

It is a violation to report transaction history. 
Per 15 USC 1681 ( B ) ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. 
The Privacy Act of 1974 in conjunction to above referenced.
Product: Credit reporting or other personal consumer reports

{$21000.00} was the amount the company took me to court. The judge ruled in my favor and stated I no longer owe them and they have no standing and therefore Im no longer in contract with them. I asked them to remove it off my credit report they refused. I no longer owe them or am in contract with them and need help removing it off my credit report. Its affecting me and injuring me as well as infringing on me.
Product: Debt collection

I 'm currently paying a loan by the month and i did get things caught up.But the loan company continues to harass me with phone calls and threatening me with legal action! I am currently on XXXX benefits with a XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INACCURATE INFORMATION from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate accounts on my report that does not belongs to me.
Product: Debt collection

A debt collection agency, XXXX XXXX XXXX, contacted us and said my husband took out a loan from them and owes a balance of {$890.00}. He did not receive a loan from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found errors on my credit report filed by EQUIFAX. I have contracted them by mail the week of XX/XX/2023 and the week of XX/XX/2023 and they have failed to respond to my letters. I inquired about a charge off account from XXXX XXXX XXXX & late payments being reported by XXXX XXXXXXXX XXXX. the company is reporting inaccurate information on my credit report. I have asked that the information be verified twice, with legal documentation again, ignored /no response. FCRA States that all information on credit report must be accurate and true. Equifax has violated this act ( U.S.C 1681B ) PERMISSABLE PURPOSE. Equifax has failed to respond under time allowed by federal law. I know ask for your help in getting Equifax to respond by deleting the information that their reporting incorrectly.
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I cashed my payroll check on Chime and never received the money in my account
Product: Credit card or prepaid card

I applied for a Credit Card in XXXX, and was denied due to delinquent payments. I requested a credit report I needed to know who the creditor was to get this corrected. 

I was married in XXXX and was divorced XXXX. My married name was placed on a Merchants Credit Card by the Primary Account holder as an Authorized user. The creditor placed itself on all 3 Credit Reporting Agencies that I am a Joint Owner. 

I called the creditor in XXXX and spoke to a Representative XXXX, and I explained that I never applied for credit. I was listed as an Authorized User Only, but the Creditor is showing on my credit report as Joint Owner. I asked how can I get my name removed off of the account, and XXXX stated the primary person has to remove my name. I called the primary person, and asked if they would remove my name off the account, they said Yes. I didnt think anymore about this issue because I thought the issue was handled, and the file was closed. 

Once I realized that this creditor was still listed on my Credit Reports. I submitted Disputes for several years requesting Removal, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I scanned my Divorce Decree to show that all parties were responsible for paying there own debts. The credit reporting agencies didnt remove the creditor, and they stopped me from being able to submit anymore Disputes Electronically. 

I was reading information about fraud, and how accounts are opened without your knowledge. The literature stated that I should file an Identity Theft Police Report if I have Fraudulent accounts showing on a credit report. XX/XX/XXXX I filed a Police Report Case Number XXXX. 

I searched the internet for additional help with my problem, and I stumbled upon the Federal Trade Commission Identity Theft Report system. I created an account and followed the instructions on the website. XX/XX/XXXX I filed a FTC Report number XXXX listing the Creditor, Account Number, Date Fraud began, and the Amount of debt {$1700.00} requesting removal. 

I was instructed to create Dispute letter Notice to Furnisher dated XX/XX/XXXX mailed the letter with enclosures : 1 ) Identity Theft Report, 2 ) Proof of Identity 3 ) Notice to Furnishers of Information, I received no response so I sent a 2nd Dispute Letter dated XX/XX/XXXX. I received a response letter from the Creditor dated XX/XX/XXXX the Creditor used a former name listed in the Divorce Paperwork, that I never used. The letter stated the information was forwarded to the Fraud Investigation Department for further Investigation, and the Fraud department will contact me regarding my concerns. I have not received anymore letters regarding this matter.

Further instruction had me create 3 letters named Request to Block Unauthorized Charges from the credit report under FCRA 605B to all 3 Credit Bureaus dated XX/XX/XXXX. XXXX with enclosures : 1 ) FTC Identity Theft Report, 2 ) Proof of Identity, 3 ) Copy of Credit Report, 4 ) Fair Credit Reporting Act Section 605B.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding TransUnion failure to conduct proper investigations. Specifically, in a lawsuit filed against TransUnion, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that TransUnion : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount Financial XXXX XXXX  XXXX Late Payments XXXX XXXX XXXX XXXX {$47000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$32000.00} XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXXXXXX {$9700.00} XXXX XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXXXXXX {$4000.00} XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$7900.00} XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect TransUnion to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If TransUnion fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within XXXX days or sooner. I expect written confirmation of any changes to my credit file immediately. 

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

Equifax is reporting a hard inquiry on my report for XXXX XXXX XXXX dated XX/XX/2018. 
I have not applied to any credit for XXXX XXXX XXXX. 

This inquiry is due to stolen identity or other matter not involving me. The following address is not a valid address according to the USPS and the phone # is disconnected. 

Please remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score! 

INVALID ADDRESS and DISCONNECTED PHONE # for hard inquiry : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and notice several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 {$450.00} owed AR Recovery Resources I have disputed this matter 4 times and contacted company and they can not tell me who thebcollection agency is butnit is on my credit report and i have not had any debt collectors since my chapter XXXX bankruptacy 3 years ago. So thisnis not my account and it needs to be removed immediately.