23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was approved for the southwest chase business credit card and received it on XX/XX/2019 and received a letter saying they closed it on XX/XX/2019 I called them and have the account to be reviewed but they discriminated and said they are closing my account because I dont speak proper English which I do than was told to many accounts which Was another lie felt like they were making stuff up as the conversation was progressing and I am a business owner would like this issue resolved because they cant get away with such behavior and discrimination thank you
Product: Debt collection

Was never sent a letter in the mail, a phone call, was never notified of this debt that is allegedly owed. I found it on my credit report and called the company to discuss the account and my options for payment. I was never given the mini miranda on first contact with them. I also have never sent a letter regarding the debt. I also told the rep that the services for the debt were not rendered but instead a part of a contract I had signed for daycare services. I requested a settlement for this fact. The rep instead told me one would not be eligible because I told her was a contract. She then said she actually wasnt even handling the account but that someone named XXXX was and that XXXX would be filing litigation but she wasnt sure. The rep was very rude and her tone was not one of someone who would like to provide a consumer with customer service anyone deserves.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of specific accounts from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The details of the accounts in question are as follows : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$8300.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX ( Installment ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX TransUnion XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX  credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report. I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to the credit bureaus and to the companies. Finally, I filed a complaint to MA Attorney General 's Office about this issue. 

Despite all these efforts, Transunion and XXXX  still keep the record of a car loan account with the XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was not in the US. 

This affects my life very badly because of the damage done to my credit history.
Product: Credit reporting or other personal consumer reports

After sending an initial dispute letter to Equifax and the creditor reporting this alleged debt, they failed to provide me with any documentation that verifies this alleged debt. They responded verified but how can a debt belong to me if me and the creditor reporting this account never had any contracts or agreements? Why can't they provide any receipts? The unlawfully reporting account is negatively impacting my credit score. I asked the creditor to cease all communications with me in which by definition, reporting this account to my consumer report is a form of communication. They're still contacting me nonstop after asking them to stop contacting me unless they're providing me any documentation asked. I never gave them the consent to obtain my personal information nor did I give them consent. to report anything to my consumer report. I believe that by Equifax not properly sending me the documentation asked is a failure to be compliant with the laws that they agreed to abide by. Included in my complaint is a copy of my initial dispute letter and a new dispute letter asking for a reinvestigation. Violations committed by Equifax and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
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.

has violated my rights. Or 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, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This company called my parents asking for me. They asked personal information like where I live, where I work, etc. My parents refused the information and the man on the phone threatened that he will find me sooner or later and that I am being served papers due to an unpaid debt. 

He would not give information about the debt, would not give his company name, and only gave a very generic name, " XXXX XXXX ''. 

I do not currently have any debts that are within the Statute of Limitations in the state of Maryland. 

The man on the phone also stated that he will send the summons to my home or place of employment. He stated that it would be very embarrassing to send to my employment so I should contact him as soon as possible to provide the correct information.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required un

der 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you a
re required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bankruptcy with Equifax that has been dismissed. Recently, I got a response that the bankruptcy is not reporting on my Equifax report so I got excited. But I logged in to my Equifax report today, but surprisingly the bankruptcy is still on there! This is absolutely false reporting and dispute results as well as devastating!
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain unauthorized inquiries on my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize or recognize. These inquiries came forth despite a fraud alert place by the reporting agency Transunion with my contact information, all of which was not recognized despite their own policies. I request that these inquiries be removed immediately according to the FCRA sec 604 ( f ) and lack of permissible purpose. The unauthorized inquiries are listed in full detail in the attached supporting documentation.
Product: Debt collection

In XX/XX/2013 I was enrolled at the XXXX and inquired about a few apartment complexes. " XXXX '' happened to be one of the many apartments that I viewed as an option, I did provide them information to see if I met their qualifications as an applicant but I never signed a leasing agreement. On XX/XX/2013 I received an email from the property manager XXXX stating that I did not come to pick up my keys, I immediately contacted her for clarity because I only inquired about the apartment but never signed a lease. On XXXX/XXXX/2013 I received another email advising me that my account had become delinquent which I was flabbergasted by being that I contacted her after the first email to advise her that I was not a tenant at this apartment complex and never signed any documents. Again on XX/XX/2013 I received another email stating that my account was again past due, I called again down to the office and spoke with the property manager XXXX and she at this point offered me a settlement for 3 months of rent stating that she had sub-leased the apartment in XX/XX/XXXX. I of course declined her offer being that there was never a leasing agreement signed. I never heard anything back from her after asking for her to fax me a copy of said lease that I signed. This account has been added to my credit report and this is not a debt that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and it shows 3 hard inquiries that Im currently unaware of. Ive attempted to get in contact with creditors regarding matters but have been unsuccessful.
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.

The letters are stated with items and issues.

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

This account ( XXXX XXXX Account Number : XXXX was charged off on the following date : XX/XX/2023. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/2023 and on XXXX  its XX/XX/2023. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX XXXX accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of service was XXXX Billed on XXXX XXXX, XXXX Called XXXX, XXXX XXXX XXXX  and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to XXXX because the original credit reporting agency is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show XXXX the account as paid but they say they no longer have an account with me. XXXX has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to XXXX as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from XXXX they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXXl, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported that the case is closed and balance paid.in 2018 and has not reported to any credit reporting agencies since 2018 .I have sent all 3 credit reporting agencies asking for it to be removed .they said no I sent a letter to child support asking do they report to the credit bureaus .child support sent me back a letter saying no they do not.I sent a copy of that letter and a letter asking for them to remove it and still cant get them to remove them
Product: Credit reporting

In XXXX 2016 I faxed a letter to Experian with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.
Product: Debt collection

I submitted proof to Jacob Law Group that I paid the full amount owed, but they continued to badger me. After I communicated that I wanted no further communication with them as I no longer owed them any money, they turned me over to XXXX XXXX XXXX. I contacted XXXX and provided Money Order numbers and check numbers along with copy of the bill showing debt amount. XXXX continues to try to collect after I've paid. They have this on my credit report as delinquent! Something needs to be done about these companies underhanded tactics, especially against senior citizens. 
I submitted all communication and documents to the Attorney General of Mississippi and they recommended I contact you. Thank you