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

XXXX  credit inquiry should be remove from report
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX, the collection agency reporting this account, and they confirmed that this collection was deleted from my credit report in XX/XX/year>. 

Despite this, the deleted collection account has reappeared on my Equifax credit report, but not on XXXX or XXXX. 

This proves that Equifax improperly reinserted inaccurate information without verifying its validity or notifying me, violating my consumer rights under federal law. 

2. Equifax Violated the FCRAs Reinsertion Rules Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Reappearance of Previously Deleted Information ), Equifax CAN NOT reinsert a previously deleted collection account unless : The furnisher ( Diversified Adjustment ) certifies the information is accurate and complete.

Equifax notifies me in writing within five business days of reinserting the collection. 

Equifax has violated both of these legal requirements : I did NOT receive any written notice from Equifax informing me that the collection account was being reinserted. 
The furnisher ( XXXX XXXX ) has already confirmed the account was deleted in XXXX, meaning no certification of accuracy was provided. 
This means Equifax is illegally reporting inaccurate and unverified information on my credit report.

3. Equifaxs Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Requirement to Conduct a Reasonable Investigation ), Equifax must conduct a proper dispute investigation before reinserting an account. 

The fact that this collection is not showing on XXXX or XXXX, but only on Equifax, further proves that Equifax did not properly investigate this matter. 
If the account was truly valid, it would appear on all three bureaus, yet it does not. 
This discrepancy demonstrates that Equifax is failing to properly investigate disputes and is negligently reporting inaccurate data.

4. Equifaxs Failure to Maintain Accurate Information Under 15 U.S.C. 1681e ( b ) ( FCRA Requirement to Maintain Accuracy ), Equifax must ensure that the information on my credit report is accurate, verifiable, and up to date. 

Because : The account was already removed in XX/XX/year>, The collection agency confirmed the deletion, and XXXX and XXXX no longer report this account Equifax is knowingly reporting inaccurate and unverifiable information in violation of the FCRA.

5. Legal Violations by Equifax 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify the consumer of reinserted information within five business days.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation.

15 U.S.C. 1681e ( b ) Failure to maintain accurate credit report information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 2 certified letter and 2 regular letters t have the incorrect information removed from my file to no avail. Please remove the incorrect information from my file at once.
Product: Credit reporting or other personal consumer reports

These accounts are not mine, I noticed them when trying to make a purchase. XXXX XXXX {$8000.00} opened XX/XX/2021 XXXX XXXX XXXX XXXX {$3100.00} opened XX/XX/2021 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting, credit repair services, 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.

1.XXXX XXXX ACCOUNT # XXXX has violated my rights.

2.XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights.

3.XXXX XXXX ACCOUNT # XXXX XXXX has violated my rights.

4.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

5.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

6.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

7.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

Ever since Comenity was purchased by Bread Financial, I have received none of my points for my Sony XXXX card. This has been going on since XXXX 2022. I have contacted both Sony rewards and Bread Financial. Both have said my points will show up, but nothing happens.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXX XXXX. On my credit report. I have never had a car loan, nor done business with this company before. I also noticed XXXX XXXX XXXX. On my report and have never had any medical services with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a credit card account on my credit file with XXXX, XXXX and Experian that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked Experian, XXXX and XXXX to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, XXXX , a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Equifax of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Equifax must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Equifax 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Equifax would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Equifax stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Equifax answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Equifaxs method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Equifax verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Equifax verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Equifaxs grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.
Product: Mortgage

XXXX XXXX is refusing to review a complete modification package stating that it is too close to the sale date. Yet the file was marked as received and in review per Execive office. XXXX XXXX is dual tracking which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. The last time I sent this issue to them they only opened a new dispute and I received the same results. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over and over and over again, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX  acct XXXX, XXXX XXXX  acct XXXX. As well as the incorrect address of XXXX XXXX XXXX, XXXX, XXXX XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Student loan

I am a full-time XXXX University student, currently enrolled in classes, and will graduate in XX/XX/XXXX. I hold two private student loans from XXXX University totaling an amount of {$7000.00}. My loans are serviced by XXXX XXXX. 

On XX/XX/XXXX, while on winter break from XXXX and while enrolled full-time for spring-semester classes, with no break in my enrollment, I received an email from XXXX XXXX indicating that a new billing statement had been generated for my student loan account with them ; I assumed this was standard procedure, and that pursuant to the terms of my loan with XXXX I would not be billed until after graduating certainly not while enrolled full-time in classes. 

Roughly one month later, on XX/XX/XXXX while back at school from winter break, and actually physically taking classes full-time, I received another form email from XXXX XXXX indicating that my student loan account was now past due. I called XXXX the following morning, and after waiting nearly an hour to speak to a customer service representative, I was told that " the clearinghouse hasn't sent us information that you're in classes yet, so you should talk to your school. '' I repeatedly asked for clarification, as I didn't understand what the customer service representative said by " clearinghouse, '' and the representative simply repeated the same answer each time until I gave up attempting to gain more insight from them and hung up. 

I emailed my financial aid advisor at XXXX on XX/XX/XXXX, asking them to please help me notify XXXX that I'm enrolled full-time and shouldn't be charged, and have received no response. 

Last week, on Wednesday, XX/XX/XXXX, my parents received a bill in the mail for {$150.00}, which indicated that my account was " past due '' and that this amount would have to be paid by XX/XX/XXXX, to bring my account back into good standing. To be clear, again : I am enrolled full-time in classes at the institution which has given me this loan and am explicitly not expected to make payments while enrolled full time. XXXX has given me no way to indicate this to their satisfaction, and now I am afraid their negligence may negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EOS CCA # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.
Product: Debt collection

Inaccuracies an incomplete information2. charge off an trying to collect dept an has it still reporting open on my accounts 3.defamation Of character ( usc 1401 ) violation action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person. I have lost XXXX XXXX in damages life ruined these repots are in all three reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had four credit cards issued to my business. When my business failed in XX/XX/2013, my business settled the payment of the balances for each credit card. A portion of each balance was paid in cash and a portion was classified as income. 

As a result, all credit cards were settled in full by the business corporation. However, my personal credit reports still reflect the payment history. I want all four payment historys to be removed from my personal credit history.
Product: Credit reporting, credit repair services, 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 XXXX ( XXXX ) has violated my rights Account name : XXXX XXXX XXXX  ( XXXX ) has violated my rights Account name : XXXX XXXX  ( XXXX ) has violated my rights Account name : XXXX ( XXXX ) has violated my rights. 
Account name : XXXX ( XXXX ) has violated my rights. 
Account name : XXXX ( XXXX ) has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX ) has violated my rights Account name : XXXX ( XXXX ) has violated my rights Account name : XXXX XXXX XXXX ( XXXX ) has violated my rights Account XXXX has violated my rights Account name : XXXX XXXX ( XXXX ) has violated my rights Account name : XXXX ( XXXX ) has violated my rights Account name : XXXX ( XXXX ) has violated my rights Account name : XXXX ( XXXX ) has violated my rights Account name : 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 or other personal consumer reports

I called LVNV to negotiate a payment to resolve this debit and Resurgent refuse to take the payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I asked XXXX to cancel my credit card XXXX as there was a fraudulent transaction from South Carolina where I never visited. XXXX did not cancel this card and several fraudulent transactions were posted from South Carolina in XX/XX/year>. I complained again and I was told that these transactions were valid and I owed XXXX several XXXX dollars. 
I requested XXXX to cancel this card again, I paid by XXXX separate checks for the exact amounts of the last XXXX valid charges I made on this card and again reported that all the remaining transactions as fraudulent. XXXX did not accept this and reported to the XXXX credit bureaus Equifax, XXXX and XXXX that I was late in payment on this card in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. 
I made several requests in writing and on the phone to XXXX that all these charges are fraudulent and they happened because XXXX did not cancel my credit card. XXXX claimed that their late payment reports to the XXXX credit bureaus is correct. 
After again insisting that I never visited South Carolina in my life, XXXX slowly started cancelling the fraudulent charges. After XXXX months of going back and forth, XXXX admitted that all pending charges are fraudulent and that they actually owe me XXXX {$810.00}. They sent me a check for XXXX {$810.00} and reported to the three credit agencies that my account has been closed with XXXX balance with a write off. 
However they did not with draw the late payment reports made against me for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. As a result my credit score fell from near XXXX to low XXXX and I am not able to get credit due to XXXX 's negligence. I have requested XXXX in writing to rectify their mistake more than thrice but they did not. I want XXXX to clear the wrong reporting they made against me in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bank employee accessed my password protected account without my permission and did transactions without my permission and the CEO wants me to be responsible for what employee did and when I disagreed they turned me over to the three credit Bureau and ruined my credit and on credit sesame they turned me over for XXXX $ in XX/XX/2022 and there is no XXXX $ issue
Product: Money transfer, virtual currency, or money service

Time is of the Essence to this request. Friend needs emergency XXXX. Friend was robbed and attacked and has XXXX XXXX, XXXX, XXXX needs XXXX. I started a Wire Transfer XX/XX/2019 for emergency XXXX for a friend of mine of XXXX $ Reference # XXXX at Suntrust Bank in XXXX XXXX, Va. Suntrust has some arrangement with XXXX XXXX in New York to be the intermediary. I contact XXXX and they refused to check status. I contacted Suntrust same result. 

I sent wire expected quick delivery. 

Please prosecute, penslize and take enforcement action. 

I paid fee of {$40.00}. 

My friend is going to die unless funds are transferred asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''