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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$4000.00} CREDENCE XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX Balance : {$420.00} 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

I had started once to sending this service updated proof and it kick me out. I have been ignored Everytime I contacted Equifax or told quote " I can not help you ''. I have been reporting for months incorrect information on my credit and reporting disputes that are not corrected. I also had information that has disappeared, in correct information add to credit and nothing is done. I sign into the account it kicks me out and tries to block me and the same exact issue with XXXX and they say I have know score when I do. I bust my but building up my credit to XXXX in equifax and XXXX in XXXX and in Equifax it drop in a day XXXX points and XXXX now say I have no score when I have copies and photo of evidence as well was approved for a mortgage on XX/XX/XXXX. I have a lot of evidence and I filed a dispute many times with them and called of a incorrect address on equifax on XX/XX/XXXX and the next day I received a email the investigation was completed. Every dispute I filed either XXXX hours later or next day I get a email saying it's been completed by equifax. I have proof. I demand this criminal activity be taken serious its my identity and fraud. I ask that you please send me a email to send in all my document to you. I also have paid bills and XXXX paid off student loans that disappear and been showing on my credit and equifax now has it listed under installments. These student loans been paid off and fall back years ago. I have to many documents of proof to send. Please notify me by phone or email with a email I can send them to. I am also kicked off when I log into my accounts at both XXXX and they tell me I have no score when I do and have sent the proof and equifax I get kick off and that blue sign appears telling me to contact them. Someone is tampering with my credit and identity. When I call equifax they they can't help. XXXX is the same way. Thank you
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXFederal Trade Commission** Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXXubject : ** Formal Complaint Regarding Experians Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) Dear CFPB Team and FTC, I am submitting a formal complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, in handling two disputed accounts on my credit report. Despite providing sufficient documentation, including my contract with XXXX XXXX and the negotiated settlement details, Experian has failed to accurately report or remove these accounts. XXXX and XXXX have resolved the matter appropriately, but Experian has not. 

The details of the accounts and relevant issues are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( Account XXXX. ending in XXXX ) ** - This account was negotiated and settled through XXXX XXXX. Documentation of the settlement, the payment made in full, and the XXXX XXXX contract was provided to Experian. 
- Despite this, the account continues to appear as a negative charge-off rather than reflecting its accurate status as paid in full. 
- Experians refusal to update this information violates FCRA guidelines and misrepresents my financial responsibility. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX. ending in XXXX ) ** - This account is currently in negotiation with XXXX XXXX and XXXX XXXX. Documentation of the ongoing negotiation and the XXXX XXXX contract was also submitted to Experian. 
- Per my request under FCRA Rule 605 ( a ) and ( b ), this item should be removed until a resolution is reached. Yet, Experian continues to reflect it as negative, further damaging my credit profile.

**Experians Handling of the Disputes** Experian has responded to my disputes with a generic explanation, stating that they rely on the furnishers information. However, it is their obligation under the FCRA to independently verify and correct inaccuracies. Their persistent refusal to amend these accounts is both unlawful and inequitable, especially since XXXX and XXXX have resolved the same disputes in my favor. 

**Violation of FCRA Provisions** Under 15 U.S.C. 1681c ( a ), consumer reporting agencies must report accurate information and are prohibited from including obsolete or incorrect data. The continued inaccurate reporting of these accounts constitutes a breach of federal law. 



I have already submitted supporting documentation, including : - Proof of settlement for the XXXX XXXX XXXX XXXX XXXX. 
- Correspondence with XXXX XXXX and the involved creditors regarding the disputes. 
- My contract with XXXX XXXX for both accounts, detailing the settlement and negotiation agreements. 

I request that both the CFPB and the FTC take immediate action to address these violations. Additionally, I will continue to monitor the resolution process and pursue further legal remedies if necessary. 

Thank you for your attention to this matter. I trust in your ability to protect consumer rights and enforce fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Reporting Violations and Dispute of Debt Validity Dear Sir/Madam, I am reaching out to the CFPB to formally dispute the validity of a debt claimed to be owed by me in relation to XXXX XXXX ( Original Creditor ) with account number XXXX. I believe that my rights under several federal statutes have been violated, and I seek the CFPB 's intervention in this matter. 

Violations and Concerns : Unauthorized Inquiries : I have identified unauthorized inquiries on my credit profile. As per 15 U.S.C. 1681n, I am entitled to {$1000.00} for each unauthorized inquiry. 

Violation of the Fair Credit Reporting Act ( FCRA ) : My rights under 15 U.S.C. 1681a ( 2 ) ( K ) of the FCRA appear to have been infringed upon. 

Violation of the Equal Credit Opportunity Act ( ECOA ) : I believe there has been a violation of 15 U.S.C. 1691d ( 2 ) ( A ) of the ECOA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : There seems to be a breach of 15 U.S.C. 1692 and 15 U.S.C. 1692k ( 2 ) ( a ) of the FDCPA. Specifically, I was not provided with the requisite written notification 5 days prior to any action, as mandated by 15 U.S.C. 1692G. As the original creditor, I am the sole authority to validate this debt. I do not recognize or validate this debt, and as such, I demand its removal from my report. 

Request for CFPB 's Intervention : I request verification of the debt, including copies of any documents that prove I agreed to pay the claimed amount. 
I seek a detailed account history, including any charges, fees, payments, or adjustments associated with this account. 
I urge a review of the actions taken in relation to my account to ensure compliance with the aforementioned statutes. If violations are confirmed, I may seek additional damages as stipulated under the FDCPA. 
If the debt can not be verified or if it is confirmed that the actions taken are not in compliance with the aforementioned statutes, I expect this account to be removed from my credit report promptly. If not, I will not hesitate to take further action to protect my rights, including seeking legal remedies. 

I trust that the CFPB will treat this matter with the urgency and seriousness it warrants and ensure that my rights as a consumer are protected. 

Thank you for your attention to this matter. 

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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a notification that my account was 45 days past due. I have had this account since XX/XX/1995 with no late payments ever. So I sought to understand how this transpired.

1. I received a new card with changed terms and Citibank disabled my auto pay.

2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. Citibank processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call.

6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was  past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other citicards-not the account in question. Citibank authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 8. So here I am with a 30 day past due on my credit report due to no fault of my own as Citibank disabled my autopay, processed
payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report.

9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.
Product: Credit reporting or other personal consumer reports

I sent a complaint to the credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete this account : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

FAMS called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f
Product: Debt collection

The company calls me excessively. They are also not reporting the correct balance owed. 
I've made payments since XX/XX/year> but only shows the last year 's payments. In a year and a half of paying only reflects {$920.00} ish paid to balance.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit card

We tried to purchase a stove on our Lowe 's credit card. Lowe 's called to say the item was not in stock and they would not be charging our credit card. We tried to purchase a second stove and the same thing happened. When we tried a third time we were declined because the XXXX previous stoves had been put on our credit card. We tried contacting the company and the gentleman we spoke with could not understand that our credit was being utilized by a total of XXXX stoves we were unable to purchase and were told we would not be charged for. We tried for over an hour to cancel the stoves to free up our credit. After not getting anywhere we hung up. About five days after trying to clear our credit card we received a letter stating we had asked to close our Lowe 's credit card account. We had NOT asked to close the account. We called Lowe 's to find out why the account was closed They stated we closed it We asked for the recording of us agreeing to close our account. They said the person who has the recording was on vacation. We have called back and have not received a response from Lowe 's.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX BANK XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent dispute letters to the credit bureaus and I'm still waiting on the results of my disputes. I'm not sure how long they have to respond but it can't be 3 months. I need help getting answers from XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 B states that I have the right for privacy 15 usc 1681 section 2 I also state the consumer agency can not furnish your account without my written um instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX and TransUnion have been reporting inaccurate information regarding a Bankruptcy on my credit report. When I contact the agencies regarding this issue they keep responding with " verified '' by XXXX and Bankruptcy Courts. I contacted XXXX and the Bankruptcy courts and they reported that they did not verify any information in which I have the letters to prove it. I also sent the letters to all credit bureaus and they keep stating that it was verified by these agencies even with the proof in front of them. I want this information deleted from my credit report because it does not comply with FCRA 611 to report inaccurate information. I have attached the documentation from all agencies so you can see that they are giving false information as to how they are verifying the information.
Product: Debt collection

GC Collection services calls me about XXXX times each day. According to the online research I 've done, they harass even people who have no outstanding debt. This is exactly the case with me : I have no late payments, and have never had. I want this bullying to stop : internet is full of stories of their harassment victims. Feel free to contact me : XXXX. My name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX 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 I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Claim numbers : XXXX & XXXX Capital one out XXXX time and effort into these disputes. My card was stolen from me, the pin was on the card on the capital one sticker. 

I received a notification that there was a questionable transaction and I said it wasnt me. I was busy working and didnt notice. I rarely use my debit card. 

I do not believe this was a fair dispute process and there is nothing proving this, this wasnt even in my location where I was this was over an hour away. 

I have proof of working in a different area during this period. 

This is unfair treatment of a loyal capital one customer and negligible compensation and customer service provided by them. I am insisting a re-dispute process that is fair and honest. This is a lot of money taken from me and this is not fair. I will switch banks
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to necessitate the elimination of any erroneous accounts from my credit report. Can you verify the documents? There are inaccuracies present in some of the listed accounts.