23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX XXXX XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which Exparian ) are 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX ). I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifaxreports the unauthorized access occurred from mid-XXXX through XXXX. Equifax officials discovered the hack on XXXX XXXX. They failed to notify me at all ( 1 month 10 days as of now ). This is well over 30 days. 

I put in my information to see if I was affected and received the following message from their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in TrustedID Premier "
Product: Checking or savings account

My pension check which is direct deposited to a checking account at PNC Bank on or a day before the first of each month was deposited and withdrawn three times between XX/XX/23 and XX/XX/23. PNC does not know where the money is and refuses to research further. They have sent me back to the issuing entitiy, XXXX, who manages my pension. This was the day of the ACH processing error.
Product: Credit card

Received an email on XX/XX/2024 that a Capital One Quicksilver credit card was opened and card was shipped. I did not apply for or open this credit card. I called CapitalOne immediately, they closed the account and have opened an investigation.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint against XXXX, a previous student loan servicer. The account is now closed due to loan consolidation. In XX/XX/year>, XXXX submitted a 90-day late payment notice to all three credit reporting bureaus. To the best of my knowledge, the loan was on deferment for years because of difficulty paying. Yearly, I would call to request a deferment. To the best of my knowledge, the deferment was good for a year. So, it was a surprise when Experian notified me of negative information on my credit file. I had no information from XXXX that the deferment had expired. 

Upon learning of the negative information reported on my credit file, first, I reached out to XXXX about the negative information they had reported and requested they remove it. Customer service informed me they couldn't remove the information, only the credit bureaus could do so. I argued that was incorrect. XXXX provided the information, therefore, XXXX could contact the credit bureaus to have it removed. She refused to honor my request. 

Then, I contacted Experian on three occasions to dispute the negative information. Each time, Experian simply forwarded my dispute to XXXX and that was it. It did not show how it conducted its investigation. I even submitted an email showing the account was on deferment, to no avail. I have not had any success dealing with either institution. 

On XX/XX/XXXX, I contacted them about the loan since XXXX sent me an email regarding the change of status of the account. Of course, they had no information to provide and told me to call back in XXXX. I followed up again in XXXX just to be told that the account was closed due to consolidation, there was no information to provide. So confusing responses.
Product: Credit card or prepaid card

It has been over 13 weeks since meeting the spending requirements to receive XXXX membership rewards points on my XXXX XXXX card from American Express. I have n't received any points. 

It has been over 13 weeks since meeting the spending requirements to receive XXXX Delta Skymiles on my Delta Platinum card from American Express. I have n't received any points.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA.

Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in writing through certified mail for Equifax to provide me with their method of verification in accordance to the FCRA section 611 to provide me with how they determined the accuracy and completeness of bankruptcy record reference XXXX. This procedure should be with the original furnisher which in this case would be the bankruptcy court which they have listed on file and any other source of verification such as with a third party like XXXX etc isnt acceptable. They have failed to do so and instead just sent me a letter in the mail ( report # XXXX ) stating this has been verified through a third party vendor and contains information obtained from local, state and federal courts through a third party vendor named XXXX. They failed to provide any evidence with the original furnisher which is the Bankruptcy court showing this record to be accurate and complete and therefore are in violation of the FCRA section 611. XXXX has also deleted this record off my file and I have confirmation from XXXX  attached showing the deletion. I also reached out to XXXX and they have deleted this record off my file in which I have attached proof of it. I reached out directly to the bankruptcy court in writing asking if they verify or share such information with any third party vendors like XXXX or verify such records with credit bureaus like EQUIFAX and they said NO they dont. I have this letter attached as proof of equifax violation and failure to accurately and completely verfy this record with the original furnisher the bankruptcy court they have listed on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name US DEPT OF EDXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate.

The response on XXXX for 60 days of completeness is not correct the company has 5-30 days for completeness 15 U.S. Code 1681i - Procedure in case of disputed accuracy W15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. C The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.

r reseller. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer
Product: Debt collection

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Product: Consumer Loan

I received a title loan on XXXX XXXX of {$2200.00}. The title agency charged me an extra {$3600.00} for acquiring the loan. The loan also- had an interest rate of 118.28 %. I made over XXXX payments of {$380.00}. 
I had to file for bankruptcy due to my husband passing away and my financial status. The bankruptcy was filed on XXXX XXXX and discharged on XXXX XXXX, XXXX. The title loan agency was placed under the bankruptcy. Despite the closed out bankruptcy I continued to pay the agency. I became two months behind on XXXX XXXX and the agency came to my place of work and took my car. My son offered to bring the account current, but the agency added several thousands of dollars making it impossible for us to get my car back. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked EQUIFAX in the past to remove XXXX XXXX from my credit report and they have not i did not sign anything i do not know who they are and i would like for equifax to remove it from my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX after multiple attempts to correct the information with my XXXX XXXX the Equifax , XXXX, and XXXX have failed to correct. 

My report shows that my account was 30 days late in XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I filed a complaint through the CFPB asking for proof that the information is correct non was provided by either the CFPB or the credit Bureaus. 

I am again disputing but this time demanding that the account be removed from my credit if they the lender and credit bureau can not provide and list accurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX  XXXX Balance : {$580.00} ; XXXX & XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$980.00}.
Product: Debt collection

I have called the company on several occasions since the item appeared on my credit report since XX/XX/2019. Despite continually calling, I have yet to get any representative from the company to answer. If there was an actual debt would the company not have an adequate way of being reached in order to collect on the debts. The debt is fraudulent and I have no other means of reaching the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair report credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX I # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 furni instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of cr 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX recently reported a debt on my credit report. Prior to this account appearing on my report, I was not contacted ; and was not given a 30 day notice to dispute.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX UNI Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me listed as XXXX XXXX XXXX XXXX XXXX fifth XXXX let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 XXXX  XXXX  sent the application that was a business of mine i'm the ceo never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I have been dealing with Bank of America about this situation since XX/XX/XXXX. I since then have called multiple times and have gotten a few different responses Ive gone I to the bank and received no help. The last few times Ive spoken to someone in regards to my funds both supervisors and managers have on two separate dates garanteed me to have my money returned by a certain date. Ive been. Lied to and felt belittled and I dont think its fair for them to state such a thing and not have it be done I feel like Im just being brushed off.
Product: Debt collection

A debt in the amount of {$330.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from Rate Genius on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my Credit report I observed several accounts that I did not apply for or authorize. 

I have filed a police report and I am still unable to get these accounts removed. Please removed these fraudulent accounts from my report. In accordance with the fair credit reporting act Convergent account numbers 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. 

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

The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX  - fraud, XXXX XXXX XXXX - fraud, XXXX - fraud, XXXX - fraud.
Product: Credit card or prepaid card

You can reference the other complaints that have been placed for the history on this, this is not a duplicate complaint. I just received a letter stating that they have credited the account in the amount dispute, that was again a false statement. I have their letter and my ledger showing that. How long do they go they get away with this before you acutally do something??? Then they have no re-debited my account for an amount that was not credited on that day without sending any notice, and i was recharged the same day that the full credit wasnt applied. I suppose i seek legal counsel as they are breaking the law and nothing is being done about it to stop it. i have had one rude guy call me one time. that is it, this is not protection on your end and this is theft on theirs. and it doesn't take ten days to mail a letter and you already deduct the money back before i get the letter of provisional credit?!?! come on