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

Request for Deletion of Inaccurate Credit Card Information I am writing to dispute the accuracy of certain information on my credit card account, as reported by [ XXXX XXXX XXXX  ]. I have already made three previous attempts to resolve this matter directly with the credit card company, but the inaccuracies persist. As per the Fair Credit Reporting Act ( FCRA ), I kindly request the deletion of this inaccurate information from my credit report. 

I speak directly with the credit card company and they told me they found the issue but instead of fixing this issue it keep reporting each month inaccurately. 
I obtain a case number from the credit card company and a representative name that I speak with. Case number. XXXX. Rep Name XXXX Despite providing detailed explanations and supporting documentation, the credit card company has failed to rectify the inaccuracies on my account. This continuous reporting of incorrect information is not only damaging my creditworthiness but also violating my rights under the FCRA. 

According to the FCRA, after three unsuccessful disputes, the credit reporting agency is required to delete the disputed information from my credit report. I believe that the credit card company 's failure to address these inaccuracies adequately warrants the removal of the disputed items from my credit report. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit card company complies with the FCRA. I trust that the CFPB will thoroughly investigate this dispute and take appropriate action to rectify the inaccuracies on my credit report. 

Please find enclosed the following documents for your review : 1. Supporting documentation highlighting the inaccuracies on my credit card account.

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details.

Thank you for your assistance in this dispute.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX Case Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/XXXX I was served a lawsuit by Midland credit management Inc for a debt collection amount of XXXX, XXXX dollars. I immediately hired an attorney to settle the case. Midland credit management Inc responded with a settlement offer of {$500.00} dollars with the agreement of the amount being dismissed in court and reported to the credit bureaus as paid in full. I signed the agreement and paid the {$500.00} dollars settlement on XX/XX/XXXX in which the amount was cashed by the company. On XX/XX/XXXX a updated credit report in my debt collection showed a decreased of {$500.00} dollars to my Midland management account. I Immediately contacted Midland credit management and told them about the settlement agreement along with the the inaccurate debt still showing on my credit and they advised me that there is still a balanced owed on the account and that the court agreement signed by the courts and a Midland credit management representative is not valid will not be honored. I stated to Midland management I will be following up with my attorney regarding this scam and inaccurate reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to Title 15 Chapter XXXX, XXXX XXXX XXXX has committed individual actions against me beginning in 2018. They also involved a 3rd partly, XXXX XXXX, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, XXXX XXXX XXXX has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my credit report that I don't have knowledge of
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXX XXXX that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Experian, XXXX, and XXXX 's multiple violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Privacy Act of 1974, and related statutes.

The core of my complaint is rooted in the failure of Experian, XXXX, and XXXX to comply with the FCRA 's mandate for accuracy, fairness, and privacy in handling my consumer report and personal information, as outlined below : Violation of FCRA 1681a, 1681b, and 1681c : The agencies included adverse information in my consumer report and has furnished my consumer report without my written consent, contrary to the requirement for explicit consumer permission for such disclosures.

Infringement of Privacy Act of 1974 and FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The agencies reported inaccurate information and failed to maintain reasonable procedures to avoid such inaccuracies, directly violating my rights to accuracy and privacy. 

Non-Compliance with XXXX XXXXt ( 15 U.S.C. 6801-6809 ) : I have not been adequately informed of my right to opt-out of information sharing as required, nor have I given any form of consentwritten, verbal, implied, or otherwisefor my personal information to be shared with nonaffiliated third parties. 

Exercise of Right to Opt-Out : In accordance with 12 CFR 1016.7 and my rights under the aforementioned laws, I hereby opt-out of all future reporting and sharing of my personal information by Experian, XXXX, and XXXX XXXX 

I assert that the actions of Experian, XXXX, and XXXX have not only violated specific statutes of the FCRA but have also breached the broader principles of fairness, impartiality, and respect for consumer privacy as mandated by Congress.

I request a thorough investigation into these matters and appropriate corrective actions to ensure the protection and confidentiality of my personal information. I also seek confirmation of my opt-out from further information sharing and an assurance of compliance with all relevant consumer protection laws. 

Thank you for your attention to this matter.
Product: Credit reporting

I would like to file a complaint against Equifax for consistently reporting erroneous information regarding my credit report. This agency has continually reported outdated erroneous information and all the while omitted or blundered good information. I have reached out to them several times but they have not challenged the creditors and to boot have adversely reported good information. By the way all other agencies have complied with fair credit reporting policies, that 's why the other agencies have consistently reported my credit score higher than Equifax. 
Creditors in question are XXXX XXXX XXXX, and XXXX CA XXXX. Equifax is reporting the XXXX XXXX XXXX XXXX items as having received the last payment in XXXX, which is incorrect. The last payment XXXX received from me for these XXXX accounts was XXXX XXXX which means that these items should have been removed by XXXX of XXXX. Regarding XXXX CA XXXX, this account is totally out of compliance as of XXXX XXXX as it is beyond the mandated XXXX year maximum reporting period.I have an account with XXXX for XXXX that I am paying on time and miraculously Equifax has omitted its status, but XXXX XXXX XXXX have reported it in good standing. It has been emotionally challenging dealing with Equifax as they repeatedly report erroneous information that I have to use my days off in order to attempt to get them to correct. At this juncture I am appalled by their negligent reporting practices and am seeking your assistance to force them into correcting their credit reporting errors, and to remain compliant in the future. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX - XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX {$5400.00} XXXX XXXX - XXXX {$6400.00} XXXX XXXX - XXXX {$4000.00} XXXX XXXX - XXXX {$6900.00} XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX - XXXX {$6900.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX - XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

information pertaining to this item is incorrect/inccurate.this debt is showing twice in my credit report.debt from XXXX XXXX XXXXXXXX and from XXXX are XXXX reporting balances.delete immediately. I have previously disputed/ requested from XXXX XXXX investments and they are just saying this is verified and updated. Both accounts are showing as open with different balances for same debt.
Product: Credit card

My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XX/XX/XXXX, {$35.00} on XX/XX/XXXX and {$35.00} on XX/XX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XX/XX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XX/XX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Product: Money transfer, virtual currency, or money service

Back in XXXX Chime closed my account without any notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was needed I sent that information immediately the same day I was emailed. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! Im out of work due to have a baby not working at the moment because of XXXX and my dr preferred me to stay out of work until after the baby!! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. At this Point I dont know when my next dollar coming in I have a XXXX and XXXX on the way this is stressing me out so bad .can they just take my hard earned money like that?
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year and 2 months my Equifax Credit Account has been blank with no resolution. I have called and fax Equifax in regards to this because I can't do anything with my life credit wise. I first discovered this in XXXX of 2022 when I tried to pull my 3 credit bureau FICO scores, I soon realized that I all my accounts in Equifax had vanished. When I log on to Equifax website I currently have no revolving accounts, mortgage accounts, installment accounts, no public records, collections, or inquiries. My entire credit profile is gone and I can't move forward with attempting to purchase a home or anything on the sort. I'm not sure how this happen and really need assistance.
Product: Debt collection

I wrote a letter to a company called Fair Collections and outsourcing because they were on my credit. I did research and found that for them to report to your credit, they have to send certain notifications. They did not. I sent them a letter on XX/XX/XXXX to dispute the account because it is on my credit. They did not respond to that letter until XX/XX/XXXX, by which time I had already written them a second dispute. responding more than 30 days to a consumers request for authentication is a violation of the FCRA. They have violated the FCDPA by no providing the required validation requested when they did respond. It is my understanding that for these matters you are the proper arbiter. PLEASE HELP ME!
Product: Vehicle loan or lease

I was shocked when I received my credit report and found late payments on the the dates below : ( 30 ) day late in XXXX 2017 Im not sure now this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I am a XXXX XXXX XXXX retiree who has been banking with Bank of America for a long time. My bills every month gets paid the same way it has for the last XXXX years, but recently money has mysteriously came up messing and my account overdrafted or low on funds and the bank is a ring confused. This month alone {$590.00} came up missing and they are trying to say it is from last month and I pay my bills the same way so this cant be. I think I may have to sue if my account is not corrected
Product: Checking or savings account

On XX/XX/2023 I purchased {$33.00} worth of food from a concession stand at an art event and was charged {$730.00} instead of the intended amount. I drove back out to the event the following day and spoke with the owner who assured me the charge would be reversed and stated that they never provide receipts. After contacting my bank they issued a credit for the disputed amount and then received a legitimate charge for services from the vendor therefore taking back my money. I contacted the bank again and they stated that they have to reopen the investigation and can issue no credit as their investigation proved that the overcharge was legitimate.The merchant is XXXX XXXX based out of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are both reporting my XXXX XXXX balance as {$400.00} that is not correct. I notified both companies and informed XXXX XXXX so they can resend the info bit no change Experian, XXXX and XXXX are reporting on my XXXX account incorrectly I again have notified the credit bureaus and the company with no update to the file XXXX, XXXX both are reporting XXXX XXXX with a balance but that account has been paid off for a month
Product: Mortgage

Client retained our firm and a QWR and 5-day letter has been sent to the lender, no response has been provided - The client has the write to counsel and we reserve the right to review the clients history of the loan to validly assist the client in obtaining assistance with there mortgage - the lender has not postponed sale to allow this to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with Nissan XXXX XX/XX/XXXX. 
Despite disputing with XXXX, XXXX, XXXX, and Nissan, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.