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

Dear Consumer Financial Protection Bureau, I am submitting this formal dispute to bring attention to multiple inaccuracies and inconsistencies in the reporting of Account # XXXX by XXXX XXXX XXXX, and Equifax . These errors directly violate the Fair Credit Reporting Act ( FCRA ) standards for accurate and verifiable credit reporting. 

Details of the Disputed Account Creditor Type : XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$1200.00} Account Status : Closed and classified as Derogatory Balance Owed : {$0.00} Specific Reporting Errors and Inconsistencies Contradictory Dates of Last Activity : XXXX lists the last activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and Equifax lists it as XX/XX/year>. This lack of uniformity indicates unreliable and unverifiable data. 

Irregular Payment Histories : XXXX shows the account as current until XX/XX/year>, then lists a sudden shift to 30, 60, 90, and 120 days late, culminating in a charge-off by XX/XX/year>. However, Equifax and XXXX fail to provide a comparable payment history. This discrepancy calls into question the accuracy of the reporting across agencies. 

Inconsistent Creditor Remarks : XXXX remarks state " Charged off as bad debt, '' while XXXX and Equifax indicate " Purchased by another lender. '' These remarks can not coexist and raise doubts about the account 's true status. 

Zero Credit Limit and Past Due Amounts : The credit limit is listed as {$0.00} across all three reports, yet a high balance of {$1200.00} is reflected. This mismatch undermines the validity of the information. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under 611 of the FCRA, information included on consumer credit reports must be accurate and verifiable. The inconsistencies detailed above demonstrate a clear failure to meet these legal standards.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have removed these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This letter is in response to your recent claim regarding account [ ItemNameAccountList ], which you claim. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX, you should be aware that a print out of a bell or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Debt collection

The company Portfolio Recovery Associates, LLC had been repeatedly calling, harassing, even sending letters stating I owed {$2300.00} to them because they had purchased a debt from XXXX XXXX on XX/XX/2020. They reported a open collection account to XXXX, XXXX, XXXX. On XX/XX/2020 I sent a request for validation, NOT Verification letter disputing this collection. On XX/XX/2020 they sent letters claiming to have verified the account and sent copies of old statements. I've sent several dispute letters via certified mail to validate or remove this account from my credit report, they violated the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen on my credit report that these accounts did not belong to me. I want them deleted off my current report immediately they are hurting my credit. I told them this is fraud.
Product: Checking or savings account

MY ALBERT DEBIT CARD AND BANK ACCOUNT WAS USED TO MAKE SEVERAL UNAUTHORIZED TRANSACTIONS. IM REQUESTING A REFUND WITHIN FOUR ( 4 ) BUSINESS DAYS DUE TO IDENTITY THEFT. THESE UNAUTHORIZED TRANSACTIONS INCLUDE ALL TRANSACTIONS FROM XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> AND XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exhausted every way of communication with this company SageStream , LLC Consumer Office. I have tried everything for them to freeze ALL my reports including the distribution of my information to anyone without my permission or consent, and no response have been received from the fax I sent some days ago. Every time I call this company the phone lines are " busy '' even at non business hours which is an abuse from them because they handle so much sensitive information that I would want them to stop sending around. I really hope that the CFPB put an end to this company abuse on the people. They just don't care about us I can not believe that my dad a XXXX XXXX veteran fought for this ignorant companies to keep killing us from within. We say terrorist are criminals think again these credit companies are the real terrorist by holding hostage your information and affecting lives in the long term by not letting people progress financially. Now going back to my request I would also want this awful company to send me a full report of ALL the information they got on me including everything bonded with my social security, address, phone number, bank accounts information, public records I say again EVERYTHING THAT CAN BE CALLED INFORMATION and is bounded to me as a person I want to be sent to me. Also, I would want a copy of all the information they sent regarding me to other companies since XX/XX/XXXX, and a full disclosure of where they got this information when they got it and how they got it. And I expect all that to be done within 30 days starting this XX/XX/XXXX because Im taking this company to small claims court soon. Thanks for your attention.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Compliance Request Regarding Protection of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ] Dear To : CAINE & WEINER XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX ) XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter XXXX, Subchapter IDisclosure of Nonpublic Personal Information.

As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information.

In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information.

I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly.

Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. 

Thank you for your prompt and diligent attention to this important consumer protection matter. 

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

I am a victim of identity theft several years ago I let a family member my brother to be exact whom lived with us years ago which I have no problem reporting due to what he did to me. He used my information and my Social Security number to open several credit cards in my name as well as other accounts such as XXXX and etc. I was able to dispute a lot of things off my credit report and had them removed but there are a few companies that will not remove them as they were saying that they are accurate the reasons why they say that they were accurate is that there were several payments made to these accounts because as he was opening them he was making payments for quite a while and then all of a sudden just stopped making these payments which is when I noticed it on my credit report and I had knew that he had used my information to create all of these different accounts as he finally admitted to me what he has done and later got disowned by family as he did the same to them. I need help in removing them from my credit report as I feel that it is very unfair for me to have to deal with all the horrendous stuff he has done to me using accounts that I never even used or ever had the current accounts that I have open have all been paid on time such as my student loans XXXX  XXXX my car finance and also a loan place called possible one that I pay all on time and theyre none on default Im really trying to get my life back after everything hes done to me and several other people of my family as well. I really dont have anyone else to turn to and I was referred to the Ftc by a friend saying that I should report it to you as well as go ahead and make a police report please let me know what to do from here its more than one account its actually several at least XXXX or XXXX to be exact the rest were removed please help
Product: Credit reporting or other personal consumer reports

I contacted each credit company individually and they all admitted to reporting inaccurate information, and per my consumer rights any information that is being reported inaccurately must be removed. I am now requesting that they remove the following accounts due to inaccuracies being reported, and knowing reported by the credit bureaus. The credit reporting agencies are not designed to violate my rights as an indiviual and they are currently in violation of several consumer protection laws. I have tried to have conversations with them about this however they are not in business for the consumer whos report they are furnishing they however are only in the business of credit reporting to make a dollar, and their inability and unwillingness to correct the issues and inaccuracies on my file is going to end up with attorneys being contacts. The following accounts must be removed for inaccuracies on my file. 


in accordance with the Fair Credit Reporting Act. The list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX.. These accounts have violated my rights 15 USC 1681 section 602 A. states i have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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: Mortgage

My ex and I had a mutual uncontested divorce 5 years ago and we awarded her the house. The judge did not include the date we had set for the house to be refinanced by in the final papers. I have tried numerous times and ways to get my name removed from the mortgage without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 or 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

I notify XXXX  about the account they have on my credit report because they have duplicates on my report. They told me that it will be taken months ago, yet when I called 2 days ago they told me it won't come off. That it will have to stay on when it's a duplicate account that makes my credit report looks like I owe more than I do! This student loan is not even supposed to be on my account due to school closures! I submitted everything as did the school, and even one loan that's been on there for over 7 years! Per the law past 10 years, it's supposed to drop off your credit report by the FCRA law and it's still on my credit report. I also got a letter saying they would do it and it never happened!
Product: Checking or savings account

Dear Sir/Madam, I am reaching out to seek assistance regarding a matter of check fraud that we have experienced, in which JP Morgan Chase & Co. has not provided resolution to our satisfaction. 

Details of the incident are as follows : Check Number : XXXX Check Amount : {$5900.00} Payee : XXXX XXXX The check, as mentioned above, was discovered to be forged. Upon realizing the fraud, we promptly approached JP Morgan Chase & Co., our banking institution, with all the necessary documentation and evidence. To our dismay, JP Morgan Chase & Co. has declined to reimburse the aforementioned amount, leaving us at a financial loss due to the fraudulent activity. 

We have always relied on our bank to safeguard our assets and to act promptly in our best interest, especially in circumstances involving fraud. The current lack of action on their part is not only disheartening but also questions the trust we've placed in their institution. 

We kindly request the Consumer Financial Protection Bureau 's intervention in this matter. It is our sincere hope that with your assistance, this issue will be resolved justly and promptly. 

Please find attached the copy of the forged check to aid in your investigation. We are ready to provide any further information or clarification should it be required. 
We appreciate your attention to this matter and thank you for your dedication to ensuring consumers ' rights are upheld in the financial sector. 
Warm regards, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Telephone Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX  XXXX XX/XX/XXXX {$280000.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} collection XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5100.00} - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$900.00} - XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} - XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXXXXXX XXXX XX/XX/XXXX {$0.00} - XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX  XXXX XX/XX/XXXX {$4700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received a promotion through the mail from American Express on or about XX/XX/XXXX, offering 0 % interest for 12 months. I enrolled on XX/XX/XXXX. I received a an email on XX/XX/XXXX, confirming my enrollment. I had charged {$870.00} on XX/XX/XXXX and {$230.00} on XX/XX/XXXX thinking that I had 12 months to pay the balance without incurring interest. I had also made a payment on the account on XX/XX/XXXX of {$170.00}. 

On XX/XX/XXXX, I downloaded my billing statement dated XX/XX/XXXX. It contained a {$14.00} interest charge. When I called American Express, they told me I had enrolled a card ending in XXXX and charged the purchases and payment to my card ending in XXXX. 

I only have ONE American Express card and it ends in XXXX. Although American Express said the XXXX account was opened in XXXX of XXXX, I never received a card for that account! The promotional letter did not state a card that the promotion was for and because I only have one card I assumed the promotion was attached to that card. 

As far as I can tell, the XXXX account was opened by American Express without my knowledge or consent. That is illegal! At this point I have CANCELLED all American Express cards in my name. As a result, I now have an unexpected payment of {$930.00} in order to avoid future interest charges. I have scheduled payment to be made on XX/XX/XXXX.