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

I am writing to notify you that I am a victim of identity theft resulting from a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$14000.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$710.00} Inquiries to be Blocked and Deleted : XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has stolen my info. Tried to chase this guy down, but he died before I got resolutions. He lived in XXXXTx at the time I lived inXXXX. I applied and received XXXX from XXXX while this thief was using my social sec number. I tried to contact the Social security adm but was ignored!!! Now he is dead and myife is still being wrecked by his illegal use of my info. Do I have to XXXX  also to be relieved of this XXXX??
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST pertaining to the Unverified fraudulent account that Equifax is Wrongfully allowing to remain on my credit report. This same fraudulent account was disputed with XXXX, and XXXX in which they removed immediately due to XXXX XXXX XXXX failed to provide proof/verification. This fraudulent account remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file with My Physical Signature to verify this information is mine and is correct. Equifax failed to thoroughly verify the account in the first investigation. Equifax provided No proof. Who verified this account? 

I received No Verification, and/or Verifiable Proof that this fraudulent account is proven to be mine, and/or confirmed they are correct. I constantly see unauthorized changes made on my credit report such as : added remarks, and illegally allowing the same fraudulent account to be removed, and re-appear years later on my credit. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. 

As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} per fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) due to failure to comply.
Product: Credit reporting or other personal consumer reports

According to IRS guidelines, an unpaid charge-off qualifies as income, and under the FCRA, income should not appear on a credit report. I am formally requesting a 1099-C ( Cancellation of Debt ) for the charged-off accounts listed below :
Product: Debt collection

I received a notification from my credit monitoring stating that a new collection account was added to my credit reports. On XX/XX/XXXX, I sent a certified letter to the company, but they completing ignored me. On XX/XX/XXXX, I sent a follow up certified letter to the company, again they have completely ignored me, and continues to report this unverifiable and unvalidated debt on my credit reports. 
I am demanding that they close this account in their office and remove it from my credit reports as it is severely damaging my credit and my integrity. It also has gotten me denied for credit.
Product: Checking or savings account

During XXXX I was receiving a monthly Advance Child Tax Credit stimulus check on behalf of my children. At the time I was unemployed, and XXXX to pay for things. I was having financial issues due to the pandemic. At the end of XX/XX/XXXX and XX/XX/XXXX my Wells Fargo checking account overdrafted just before my monthly stimulus check deposited. In response to this issue, Wells Fargo sent an email on XX/XX/XXXX and XX/XX/XXXX stating Because your account had a negative balance on the day before the deposit of a stimulus payment, we have refunded any deposit account fees that were part of the negative balance to help you have access to your stimulus payment. If there was still a negative balance after any fee refund, we also provided a temporary credit to your account for that amount. 

What this means to you A temporary credit is not a waiver of the amount owed. If you received a temporary credit, we will reverse it no earlier than 60 days after it posted to your account. We will send you an advance notice approximately seven days before we reapply the negative balance. Negative account balances remain subject to the terms of your applicable account agreement. 

They deposited approximately {$91.00} in XXXX and approximately {$320.00} in XXXX. Both deposits were unsolicited with no option to opt out of receiving it. There was no communication to ask if I could repay the amounts. Yes, I used the funds after each deposit because I was desperately in need of it. I understood that the cash was a credit. I was under the impression that each amount would be withdrawn 60 days after their deposits. It wouldve been possible for me to repay those deposits if they were withdrawn in that way. Instead, both amounts equaling approximately {$410.00} were simultaneously withdrawn sometime, more than 60 days later, in XXXX. I had no way to repay that within three months time, so subsequently my checking account remained overdrawn for approximately {$410.00}. This led to my account, that had been open since XXXX, to be closed in XX/XX/XXXX.
Product: Checking or savings account

XXXX transactions with Fintwist ( Comdata ). I was TN and the transactions were made by an unknown party in XXXX, FL. Transaction ID : XXXX, case number XXXX. On XXXX XXXX, 2024 was made in XXXX at XXXX XXXX XXXX for {$500.00}. They first told me this and XXXX others would be disputed. Fintwist said they would file a dispute after 10 business days had passed. Over the phone they say it was denied. The police said to file affidavits of forgery. Fintwist will not give me them or a paper statement of XXXX No online access. Won't respond to my requests over phone or email. I informed all XXXX credit bureaus, and informed identity theft.gov. I took the action I could take over the phone, yet Fntwist has denied all requests for information. I have not given the police much yet, but need the statement printed off the app/website from Fintwist. Neither option will allow printing, no advice from customer service. Dispute department is email only and is waiting to respond. Please help me get this money back immediately.
Product: Credit reporting or other personal consumer reports

I am filing a dispute against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This is the account that I marked as inaccurate : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX : Dispute Authorization and Multiple Violations of Fair Credit Reporting Act Dear Sir/Madam, I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letters. It is disheartening to see that the disputed items on my credit report have not been removed as requested. 
This failure to comply with the FCRA leaves me with no choice but to escalate this matter further. 
I have diligently followed the proper dispute procedures, including providing all necessary documentation and evidence to support my claims. Despite my efforts, you have not taken the necessary steps to investigate and rectify the inaccuracies present in my credit report. This persistent noncompliance not only undermines the integrity of my credit history but also violates my rights as a consumer. 
Furthermore, I want to bring to your attention the additional violation made by your bureau. In your correspondence, you baselessly accused me of using a \ '' credit clinic\ '' without providing any substantial proof to support this claim. Such baseless accusations are misleading and defamatory. I demand that you immediately cease making unfounded allegations and instead focus on resolving the legitimate disputes rose in my previous letters.

To address these violations, I have sought legal representation from a consumer rights attorney who specializes in FCRA matters.

My attorney is well-versed in the intricacies of consumer protection laws and will work diligently to ensure my rights are upheld.

Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB )XXXX XXXX XXXX XXXX  ( XXXX  ), and the Attorney General\ 's Office regarding your noncompliance with the FCRA .

Given the severity of the violations and the disregard for the proper method of verification, I once again demand that you take immediate action to rectify these issues. Specifically, I request the following : XXXX XXXX - XX/XX/XXXX - Unauthorized inquiry. - DELETE!!! 
XXXX XXXX - XX/XX/XXXX - XXXX inquiry. - DELETE!!! 
XXXX - XX/XX/XXXX - Unauthorized inquiry. - DELETE!!! 
Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by the FCRA. 
1 of 2 I can not emphasize enough the urgency of this matter. Your continued noncompliance with my requests and failure to address these violations appropriately will leave me with no alternative but to pursue the legal remedies available under the Fair Credit Reporting Act. 
I expect a prompt response outlining a definitive plan of action from you. Your cooperation in resolving these issues is crucial, and I trust that you will take this matter seriously. Failure to do so will further demonstrate your disregard for consumer rights and may result in legal action being pursued against your bureau. 
Sincerely, XXXX XXXX XXXX of XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXX XXXX  XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, Equifax and XXXX. 

XX/XX/23 Contacted XXXX XXXX XXXX XXXX after contacting all XXXX credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 Contacted XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.
Product: Credit reporting or other personal consumer reports

Good Day, In accordance with the Fair Credit Reporting Acts - Laws and Policies- I, XXXX XXXX, submit this written request to have the following Inquiry Account ( XXXX ) And Inaccurate Address be Deleted from my private Consumer Report and File : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian With regards to the Fair Credit Reporting Acts Laws and Policies - [ 604. 15 U.S. Code 1681b ( a ) ( 2 ) & 15 U.S. Code 1681b ( a ) ( 3 ) ] - that pertain to Permissible Purpose : - I did not give written instructions to any Person or Consumer Reporting Agency to report said inquiry account ALSO, In accordance with the Fair Credit Reporting Acts - laws and policies that pertains to Compliance Procedures ; I, XXXX XXXX, am submitting a written request to have the following Personal Information Account ( XXXX ) Deleted from my private Consumer Report and File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With regards to the Fair Credit Reporting Acts laws, and policies, that pertain to Procedure in case of Disputed Accuracy : The Consumer Reporting Agency must follow guidelines, as it relates to, the Treatment of Inaccurate or Unverifiable Information ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed info with this company and it was removed by XXXX XXXX that I owe them nothing.Well I got an alert and contacted XXXX  this debt XXXX has reappeared as new collection on my credit as it came off last week plus this company told me I would have to get it removed that they disnt do that.please help me get this company to again remove this fraud from all of the credit bureaus.every time I get fixed they reappear. This is affecting my health to the point I'm going to have a nervous break down.please help me with this immediately today.its important as I have to be at the bank and its awlful I have to repeat what I've had to endure for two years now.please make them remove all there info from my credit report and leave me alone please.thanks.XXXX
Product: Credit card

I made a transaction on XXXX for a service using my credit card. After payment, the merchant refused and broke the terms of the agreement. I asked for a refund and the merchant refused. 

I contacted XXXX and my creditcard company to file a dispute immediately. XXXX upon hearing that i made a dispute with my credit card company stopped resolution and stated that they would only expediate the case if i canceled my dispute with my credit card company. A blatant form of blackmail from XXXX
Product: Debt collection

I requested debt validation that they claimed was sent to me. They proceeded to sue me when they are supposed to validate and stop collections till they can validate. They claimed it was mailed to me. Which I have proof its a lie because I get pictures from usps informed delivery sent to my email. They sued me even though I asked for validation which they were to stop collections on this debt. I asked for validation before the do date.
Product: Vehicle loan or lease

I had a lease with Bethpage Federal Credit union and in XXXX of XXXX | paid off my lease and received a bill for {$240.00} so i called them on XX/XX/XXXX and spoke with a representative XXXX who told me that was a " disposition fee. I sent a check and it was cashed on XX/XX/XXXX. As of XX/XX/XXXX I never received a bill or notice that i owed anymore money. On XXXX I got an alert that my credit score dropped XXXX points as well as my husband. I called XXXX on XX/XX/XXXX and spoke to XXXX who told me that the disposition fee was a XXXX part fee and that I still owed {$240.00}. I asked why they didn't send me any bills or notices or contact me letting me know for the last XXXX months. She said they do not contact or send notice for disposition fees so i said well then how i am supposed to know that i owed more money she said it was told to me on the phone when i called and spoke to XXXX ( Which is not true ). I don't know how a business can not send a notice or letter letting me know i owe money and then hurt my credit score without even giving me notice they didn't contact a collection agency or anything but hurt my credit score and my husbands. They said there was nothing they can do and until that disposition fee is paid they will not close out my account. I paid them the final payment attached is the confirmation, but i am disgusted with a company that believes that when they have customers who owe money they don't send bills or notices and just wait months and then hurt your score which is detrimental to myself and my husband. 



I want my credit score fixed and that cant happen as per XXXX I am very upset and dissatisfied on how I was treated after being a customer for over 15 years and never missed a payment on my loan. To hurt my credit with no warning is horrible business. 




I have never been hurt like this and treated like this and will make sure no one ever deals with what I dealt with.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are 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 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 following items are inaccurate on my credit report and are causing me stress. I would like them to be removed because these accounts are affecting my credit reporting in a major way and at the same time are costing me thousands of dollars every year. I am listing the inaccurate accounts below and also will be attaching the letters I sent out before filing this complaint. 

1 : XXXX XXXX ACCOUNT NUMBER : XXXX this account is inaccurately reporting to my credit 2 : XXXX XXXX ACCOUNT NUMBER : XXXX This is account is also inaccurately reporting to my credit profile. 
I would also like to add that I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because these accounts are not mine and are reporting to my credit inaccurately causing me stress and money. 
my FTC report # is : XXXX
Product: Credit reporting or other personal consumer reports

Called these companies XX/XX/year>, I keep getting the run around by the companies; told me that I have to reach out to Equafax and XXXX about taking the inquiries off my credit. I just need all these hard and soft Inquiries taken off my Equafax and XXXX report.
Product: Debt collection

Some company by the name EOS CCA put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX XXXX dated XX/XX/XXXX 3. XXXX date XX/XX/XXXX On my XXXX I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX 3. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted XXXX and XXXX also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report