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

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights.

15USC1681 section 602 states I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting

I have tried to contact the credit agencies, but they ask questions which do not allow me to validate who I am. They ask about people owning property in Wisconsin, none of whom I know. I state that and they reject me. My credit report says derogatory, but I have proof from XXXX that they would remove the derogatory status. That was two years ago ( XXXX 2014 ) and it is still there as {$690.00}. I have uploaded the proof here. The credit companies make us go through loopholes to prove our existence, which are ridiculous. I can tell them every tax return for ten years and other info. but they will not ask questions I can actually answer. So my credit score suffers still. Please see point one in the settlement and release. I have also attached a screen capture of my " derogatory '' status. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report from TransUnion that currently still show inaccurate information. I have sent 3 requests to TransUnion for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from TransUnion states that alleged public record verified per data furnisher. TransUnion have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I called TransUnion on XXXX XXXX XXXX for an update regarding the fraudulent bankruptcy activity on my credit report.I spoke with a manager name XXXX XXXX XXXX could not provide his agent number. XXXX advised me that TransUnion does not use the vendor XXXX. We all know that TransUnion owns XXXX. XXXX advised me that they use another vendor but could not reveal the 3rd party credit vendor 's name. XXXX advised me to contact the U.S. Bankruptcy Courts and provide TransUnion with the courts letter. I told him I did that. Then he told me to contact the U.S. Bankruptcy Courts again for an expungement letter. I have attached my letter from the U.S. Bankruptcy Courts and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX Date : XXXX Subject : Dispute of Late Payment Information # XXXX Dear Sir/Madam, I am writing to dispute inaccurate information reported on my credit report by, XXXX XXXX XXXX that appears on my credit file. 

The details of the accounts in question are as follows : Creditor Name XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment Reported : XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX Despite my attempts to resolve this issue directly with the creditors mentioned, I have not received any response from them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information ( Section 611 ). I request that you investigate the incorrect information reported and correct or remove it from my credit report. 

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( in this case, XXXX XXXX XXXX  ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA.

I am enclosing the following documents to support my dispute : 1. A copy of my credit report with the disputed items highlighted. 

I would appreciate a prompt and effective resolution, as is my right to an accurate credit report under the FCRA. I look forward to receiving an updated copy of my report once the investigation has been completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I have received repeated calls from XXXX Ext. XXXX regarding some sort of collection debt for my wife. I informed them I not aware of any outstanding debt and the name on file although similar is not my legal name. The person now is contacting my job asking my office reception for personal information regarding my wife.
Product: Credit card

I paid off my American Express card and was then charged a {$2.00} fee on my {$0.00} balance. It 's listed as a " minimum interest charge ''. I do not remember agreeing to pay this. It makes no sense.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this complaint regarding to the 3 credit repair reporting agencies for inaccurate information reported on my credit file. Despite my dispute and attempts to resolve the matter, no corrections have been made, which is unfairly impacting my credit score. 

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which protects my right to accurate credit reporting, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), which governs the fair handling of debt disputes.

I request that the CFPB : Investigate for noncompliance.

Require correction of errors on my credit report.

Enforce federal consumer protection laws.

Please find attached relevant documents, including my credit report and correspondence, for your review. 

Thank you for your attention to this matter. 

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

Hello, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

These accounts haven't been late since 2019. The information is inaccurate. Please remove late payments from below accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Is current. 
XXXX XXXX XXXX XXXX - XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX XXXX Is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a shared Master Card credit card account with Chase. Account # : XXXX XXXX XXXX XXXX. It was begun in XXXX and the last cards we had expired XX/XX/XXXX. 

XXXX XXXX XXXX last 4 SS : XXXX XXXX XXXX XXXX Last 4 SS : XXXX On XX/XX/XXXX Chase wrote off {$12000.00} of bad debt for the jointly owned credit card. The 1099-C was addressed to me. I reported this on our XXXX joint tax return. 

On XX/XX/XXXX Chase wrote off {$14000.00} of bad debt but this time sent the 1099-C to my wife and said it was for a Chase credit card # XXXX XXXX XXXX XXXX. 

I called the support line and talked to a woman in XXXX. She said they took my wife off of the joint card and created a new account for her My wife never had a credit card from Chase with the # XXXX XXXX XXXX XXXX. 

I said I wanted a fraud investigation by Chase but she said only my wife could initiate that. 

Chase needs to advise the IRS that this is wrong and rescind the 1099-C for the XXXX tax year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute request to the credit bureau Experian on XX/XX/2021 regarding the wrong company name being reported for 2 accounts that are listed on my credit report. I never heard anything back from Experian. So I sent them another letter on XX/XX/2021 letting them know that I never heard anything from them and that the accounts must be removed. Here it is XX/XX/2021 and I still haven't heard anything back from Experian. 
Per the law, the credit bureaus have 30 days to respond, but again here it is XX/XX/2021 and I still haven't heard anything from the credit bureaus, nor seen that they have place the accounts in a dispute status on my credit report. I have signed receipts stating that Experian received each of my written request. This credit bureau has violated so many laws related to the reporting of these accounts as well as not responding to my numerous attempts and also violation of not placing these 2 accounts in a dispute status. I'm requesting an immediate deletion of these two accounts from my credit report. 

Account 1 : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account from my credit report. 

Account 2 : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account from my credit report. I'll include all of the documentation that I sent to the bureaus regarding this issue.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I closed my account with Netspend earlier this year over the phone. The call operator tried multiple times to ask me if I was sure or upsell financial products or promotions to me. I declined all of them, said I just wanted to close the account, and she said she was closing my account. 
In the following months I received at least 2 new cards in the mail from them. The first one I threw away. The second I sent back in the mail around XX/XX/XXXX with a letter that read " Take me off your mailing list. Do not contact me again. '' On XX/XX/XXXX I received an email from them stating that my card has been blocked and reported stolen. I was confused but hoped it was a way to end the process of sending me new cards. 
Today, XX/XX/XXXX, I received a new card in the mail from them.
Product: Credit reporting

XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. Equifax will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from Equifax! XXXX account needs to be PERMANTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : EQUIFAX, XXXX AND XXXX!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inquiries on my profile that i didnt authorize. According to section 604 ( 3 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. these inquiries are fraudulent.

1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. Equifax XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts equifax breach has cost me tons of money taking more than 30 days violation of my rights
Product: Credit reporting or other personal consumer reports

I reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through XXXX XXXX and Experian. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted Experian and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did.

I have disputed this account through Experian three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and Experian has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!
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.

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. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I mailed in documents FTC report my driver liscenes about 9 different fraudulent inquiries on my credit report I have no knowledge of these Inquiries neither did I give consent for these inquires they are fraudulent I have mailed Equifax documents which includes my FTC REPORT and Driver Licenses Equifax is telling me my FTC REPORT is not valid which is not true they received the documents in XXXX my documents are valid
Product: Checking or savings account

On XX/XX/, I received a notification that I had made a XXXX payment to a person named XXXX. I did not make any such transaction. So, immediately, when I received this notification on my phone, I called Chase and reported fraud. Chase told me to file a claim so I did. On XX/XX/XXXX Chase returned the {$1200.00} to our bank account. They reversed the XXXX. Then on XX/XX/XXXX they took the {$1200.00} away from us. We called about this and they told us that the claim had been denied. They made a mistake and refunded our money- so they had to take it away. In the meantime, this led to our account being overdrawn and overdraft charges being incurred. They told us that the reason why the claim was denied was because it was a XXXX payment, and there was no proof that this was fraud- but we had called immediately to say that it was a fraud situation. They said there was no proof that anyone had access to our account. My wife, XXXX, told CHASE that she had her XXXX XXXX taken on an airplane over the summer. Also my phone was stolen about 10 years ago ( we had the same bank info ). They told us that they would resubmit the claim, and this time it should go through, but it was denied once again. Not only did we have {$1200.00} stolen, but everyone that we spoke to at Chase kept us on the phone for a very long time ( hours at some point ), and was unable to help us. It felt like we were being treated poorly because we were XXXX XXXX XXXXXXXX. So not only did we have a fraud situation, but then we had overdraft charges because Chase refunded the money and then took it away again. Im afraid that this affected our credit as well. We would like the {$1200.00} returned.
Product: Debt collection

LVNV Funding is attempting to take me to the magistrate in retaliation for having their account removed from two of the big three credit reporting bureau. After investigating a dispute both XXXX  and XXXX  requested records and verification of a debt LVNV bought from XXXX XXXX. LVNV was unable to provide proof and the debt was removed from those reports. LVNV is now suing me in retaliation. The XXXX XXXX account is over 9 years old and legally can not be collected on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I have not been able to get a job, i have not been able to get approved for credit. I have not even been able to get approved for a SBA loan in these hard times during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my consumer report and I was so XXXX when I saw what Equifax did to my XXXX XXXX XXXX XXXX, that was in good standing every since I had it. 
The account number is XXXX They had no authority to do this and cause my score to drop XXXX points. This is so unacceptable in every way imaginable.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Account # XXXX ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 shall- ( i ) 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 ;
Product: Mortgage

the issue with rocket mortgage started in tax year of XXXX, a check for {$1300.00} was issued to county to the wrong property tax id in which i received a notice of foreclosure in XXXX of XXXX for that property. I called them up to have it fixed in which they sent a second payment to my county which fixed the issue but left my escrow account negative and by doing increased my overall payment from XXXX of XXXX to XXXX of XXXX. After the fix that they had did in XXXX i had been made to believe that the issue was resolved but in the tax year for XXXX the same issue happened again but it opened me to being harassed by home developers asking to buy the property off of me. So now my payment again has increase because of their incompetency and there is at least {$2600.00} floating somewhere that should in my escrow account. I had called the about the issue and they have failed to respond in a reasonable time with an answer, and called them again they had resubmit the issued because to much time had passed.