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

Subject : Notice of Dispute Violation of 15 U.S. Code 1681n I am writing to formally notify you of my dispute regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n, which governs willful noncompliance.

Upon review of my Credit report, I have identified, inaccurate information, unauthorized access, failure to correct inaccuracies, or other noncompliance ]. This violation of the FCRA has caused me financial damage and emotional distress Details of the Violation : XXXX : Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies and Date last active is reporting different XXXX : Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different Under 15 U.S. Code 1681n, willful violations of the FCRA entitle an affected consumer to statutory damages, actual damages, punitive damages, and reasonable attorneys fees and costs. I expect this matter to be addressed immediately to avoid further legal escalation.

Requested Resolution : DELETE & BLOCK Please respond to this notice in writing within [ 30 days ] as required by the FCRA, confirming your receipt of this letter and outlining the actions you intend to take to resolve this matter. 

If I do not receive a satisfactory resolution within the stipulated time frame, I will have no choice but to seek further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

I look forward to your prompt attention to this matter. Please contact me at [ your phone number ] or [ your email address ] if you require additional information. 

Sincerely, XXXX XXXX ATTACHED is a Copy of the report
Product: Credit reporting or other personal consumer reports

INQUIRY - JPMCB CARD - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
INQUIRY - JPMCB CARD - XXXX
Product: Checking or savings account

I had my U.S. Bank account closed because of a check being deposited. This check was from my previous apartment owner for a returned deposit. I no longer have access to my account online or at any atms and can no longer deposit or withdraw. My account had money other than that check so I dont know why a hold would be placed on my whole account. I was told I can go into the original bank I opened the account at however this is inconvenient. I have never not been able to access my account nor given a reason as to why my account is frozen.
Product: Credit reporting or other personal consumer reports

I notified Experian for several months via phone, email, Letter correspondence and they simply refuse to remove a wrong address off my credit profile. I supplied my proof or residence. My personal ID and they simply refuse to remove it
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, XXXX, and disbelief regarding your handling of the fraudulent account that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the XXXX XXXX XXXX XXXX, these fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and XXXX XXXX XXXX. Despite my compliance and the clear evidence presented, I am deeply XXXX to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Over the last two years I have had egregious debit card fraud through Citizen 's Bank. I have tried to report it numerous times over the past 2 years, I would call in to customer service, 'file ' a complaint, and then call back to be advised the claim was never filed. I went into the XXXX branch of Citizens in XXXX numerous times to try and file it, in which they told me they were understaffed and could not help me and they are now saying that I claimed I didn't have time, when reporting it was the main reason for my being in the branch! 

On XX/XX/XXXX, I finally had a claim submitted for SOME of the fraud. Transactions from XXXX and XXXX totaling XXXX dollars. On the 8th day of the investigation, they refunded me only partially for the claim, only paying the first two months of the fraud, even though the entire claim was deemed fraudulent. 

I want the other half of MY MONEY that I trusted to deposit into this bank, in which they will not refund me for unauthorized transactions. Transactions I tried to resolve for TWO YEARS.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The information for this account on my credit report is inaccurate.
Product: Debt collection

VALIDATION AND CEASE AND DESIST I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Checking or savings account

I received an alert on my credit filed for a hard inquiry at SunTrust Bank from the opening of a checking account. I contacted the bank and spoke to a live person, reported the fraud and was told that an investigation would be opened and I would be contacted the following day by someone in the fraud department. No one called on Monday XXXX so I called on Tuesday XXXX and was told that the information was no longer in their system, that the fraud was reported to the credit bureau, and that I should receive a letter in the mail. I received correspondence in the mail on XXXX but it was a debit card with information on the new checking account. I attempted to call but their offices were closed due to the holiday weekend. This response is completely unsatisfactory. I have never opened an account at SunTrust or any of their affiliates and I am upset that they have not taken this matter more seriously and attended to resolving it expeditiously. It is an indication of how personal information is carelessly handled within their institution. My name is misspelled on the account/card, anyway.
Product: Debt collection

The company calls but doesn't respond when I answer. When I call the number used by the company I'm told number is invalid. The company has not stated reason for calling me. They just call be offer no communication or explanation.
Product: Credit card

XX/XX/XXXX, XX/XX/XXXX tried to make a payment both times online and by phone called the company.They state it was my card I called bank nothing wrong with card.Spoke to company states that my card zip code is wrong not true used the same card to pay bill forever. Drove to store to pay bill and card worked there.No one at company can help spoke to some other card holders having same problem paying theyre bills
Product: Debt collection

I bought a product that was not sent to me ( I was sent one that was not the correct one and I returned it ). I made the claim many times by phone and in writing and they still want me to pay when they are the ones who owe me the part that I had already paid. A complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of Fair Credit Report list of accounts violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX. 15 u.s.c 1681 section a states I have the right to privacy. 15 u.s.c 1681c. a,5 section states no consumer reporting agencies may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.15 u.s.c section 604 a section 2 Consumer reporting agencies can not furnish a account without my written instructions.15 u.s.c 1681s-2a1 a person shall not furnish any information related to a consumer to any consumer agencies if the person knows information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Late payments are being reported after the account was closed. This is a fcra violation and you can be fined up to {$1000.00}. Update immediately. 

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

I requested Experian on serval times to removed inaccurate an incomplete information to prevent fraud and to protect my privacy. This is causing me stress and XXXX  These account are reporting incomplete and balance is inflated and there is someone else social attached to my report which causes me sleepless nights. Its there grave responsibility to make sure what they report and share in correct and accurate. I request a reinvestigation and also to be sent procedures of reinvestigation of these accounts.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these ACCOUNTS. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be deleted from my file right away XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX  Delete this account.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX  Delete this account.

Please remove it from my credit report.

Oh by the way I hope you understand that the FCRA states in the section below 15 U.S. Code 1681c2 Block of information resulting from identity theft A ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter...

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

***I previously submitted a complaint for this company with incorrect attachments. Please delete XXXX, XXXX, & XXXX and replace with this corrected information and new complaint # 's. 

I was a victim of theft in XX/XX/ 2021. My purse was stolen with all my identifications in it. I made a police report in XXXX county, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reached out to Experian to have address remove and alias fixed begin that I only have one name and one current address and explained that I have Disputed them and if I could indeed get those information updated because I dont live at those address and the agent named XXXX didnt want to help so I informed her it her duty to get accurate information reported and that I am not getting help and how its a violation of the fair credit reporting act I asked to talk to a manger and she said no manger can help me.So I called back and talked to another person which XXXX the first agent told me she was only only person I could talk to which was a lie. I continued to explain what happened and the new agent talked for a bit and then put me on hold and then hung up on me.I asked for her full name she denied to answer me and only told me her team name is XXXX. Its seriously a problem that I cant get my own file updated which is a violation l.
Product: Credit reporting or other personal consumer reports

I have enclosed proof from XXXX XXXX and also Nevada Bankruptcy court these are not my Bankruptcies!!! Equifax is in direct violation of code 15 USC 1681, 1682!! These are not my bankruptcies!! 
XXXX XXXX both of these fraudulent bankruptcies should be immediately deleted Nevada Bankruptcy court stated they have not verified anything with Equifax therefore this is an error or a lie!! XXXX has verified I dont have any bankruptcies they are in direct violation and Im also entitled to compensation for the fact that they lied and compromised my integrity my character and caused me to be denied due to the error on my report!!! Delete this immediately or I will contact my attorney!!! Supporting documentation enclosed!
Product: Debt collection

I requested for debt to be validated by the credit bureaus, but it was not. I did not do business with this company at all or with the company they claim the doubt the debt from.
Product: Debt collection

XXXX XXXX XXXX ceased operation in XXXX  All accounts were paid with {$0.00} balance, and the company formally notified all members that contracts were ended. 

Received a phone call, email and letter this year from ALDOUS & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. Each time the amount is increased, as though still billing... claiming {$150.00}. I explained and replied earlierthis year, and still receiving billing notifications.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information associated with identity theft. 
Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

**Subject : ** Formal Dispute Regarding Inaccuracies, Late Payments, Fraudulent Accounts, and Request for Remedies Dear [ Credit Reporting Agency Name ], I am writing to dispute several inaccuracies and legal violations on my credit report as maintained by your agency. These errors and violations have caused significant harm and distress. Below, I have detailed the specific discrepancies, along with the applicable legal statutes, and included exhibits for your review. -- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings. - **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). - **Details : ** - Incorrect names reported :
" XXXX XXXX  '' with multiple variations.

- Incorrect addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and variations.

- **Exhibit : ** A # # #

# 2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported. - **Violation : ** FCRA 15 USC 1681s-2.

- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX : 3 late payments misreported.

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 2 late payments misrepresented.

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 1 late payment inaccurately recorded.

- **Exhibit : ** B # # # # 3. **Fraudulent Accounts** - **Issue : ** Fraudulent accounts opened without my consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q.

- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX  : Unauthorized account with past due payments.

- XXXX XXXX XXXX XXXX XXXX : Fraudulent activity reported.

- **Exhibit : ** C # # # # 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without my consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q.

- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - **Exhibit : ** D # # # # 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods.

- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ).

- **Details : ** - XXXX XXXX XXXX XXXX XXXX : Re-aged account.

- **Exhibit : ** E
Product: Credit card or prepaid card

Had a dispute with merchant. Citi started investigation and sent me email stating my dispute has been resolved and to go to their website. Went to website and was given blank letter with just my address. Called customer service and spoke to manager XXXX XXXX XXXX XXXX XXXX who could not tell me anything on my dispute and was unable to call or lookup any information to fix the issue.