23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request via certified return receipt to Equifax regarding removing the below inaccurate items from my credit report. 


This inquiry was not authorized! 
XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting See attachment
Product: Debt collection

I am XXXX XXXX submitting this complaint against Jefferson Capital System and there is no third party involved. Jefferson Capital System did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX, Equifax and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
These credit bureau have inaccurately reported accounts that are closed as being opened, and time barred debts falsing being listed as payments being made or received when no payment was ever sent. I've requested supporting documentation regarding their investigations these request have been unsuccessful. There has been problems obtaining my credit score and report from Equifax do to the inaccurate information the security questions they ask do not pertain to my credit history and I was informed by them that they do not have a credit report listed for my social security number, they intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptionally payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the Credit Reporting Agencies ( CRAs ) for the following violations : Fraudulent Reporting of Charged-Off Accounts Failure to Honor Opt-Out Rights Under FCRA ( 15 U.S.C. 6802 ) CRAs are illegally reporting charged-off accounts on my credit report. A charged-off account is classified as income when reported to the IRS on a 1099-C form. According to the Fair Credit Reporting Act ( FCRA ), income can not legally be reported as a debt on a credit report.

Violation : Reporting these charged-off accounts as debts is misleading, inaccurate, and against federal law under 15 U.S.C. 1681c ( a ), which prohibits the reporting of false information on a credit report.

Under 15 U.S.C. 6802, I have the legal right to opt out of the sharing of my non-public personal information ( NPI ) at any time. Despite this, the CRAs have failed to honor my opt-out request and continue to use and share my data without my permission.

Lawful Right to Opt-Out : According to 12 C.F.R. 1016.10, consumers can opt out of the sharing of their information with third parties at any time, regardless of any prior authorizationswritten, verbal, implied, or otherwise.

Under 15 U.S.C. 6801, it is unlawful for any financial institution or Credit Reporting Agency ( CRA ) to report transaction history without my explicit consent. Congress has made it clear that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to safeguard the security and confidentiality of their non-public personal information ( NPI ).

Violation : the CRAs have illegally reported my transaction history without my knowledge or consent. This is a clear breach of their statutory obligations under the Gramm-Leach-Bliley Act ( GLBA ) and related provisions of the FCRA.

Privacy Obligation : Under 15 U.S.C. 6801 ( b ), financial institutions are required to implement safeguards to ensure the privacy of their customers ' information. Reporting transaction history without proper authorization violates these obligations.
Product: Credit card

I tried to explain why they charge my credit card fee with no reason fees, They cant fix my problem, and no refund. They just want me to pay for it! I never pay late on the due date, and I never over the limit credit.
Product: Debt collection

I received a phone call through my employer which I 've told this company to NOT do in my previous complaint. However I asked this creditor to send me documentation proving the debt which they did send. I called the insurance company to investigate if the charges were correct. I called ACS and left a message advising the insurance company was investigating the bills and to allow time for that. ACS NEVER followed up to check the status of XXXX 's investigation and file suit against me. I provided ACS a vaild phone number to reach me which they NEVER called to see if I personally had any update or anything. ACS filing suit against me WITHOUT verifing XXXX determination is violation to MY RIGHT to verify this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Reference number XXXX Original filing date XX/XX/2019. Provide proof that you investigated this information and the steps you took to investigate this inaccuracy on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i entered a consumer credit transaction with Upgrade Inc. The total amount of the transaction was for {$10000.00}. On XX/XX/XXXX, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. On XX/XX/XXXX Upgrade received a letter from me asking to validate the debt and produce legal documentation that I am obligated to pay this debt. Their response was a letter stating that they confirmed the transaction history and that the information was current and accurate. Moving forward to XX/XX/XXXX, I sent them two documents. One being a debt validation letter and a cease and desist. These documents were sent via XXXX  on XX/XX/XXXX and was delivered to the company on XX/XX/XXXX at XXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Product: Checking or savings account

As a long standing member of USAA for over 23 years, USAA still decided to close our accounts due to an egregious fraud error on their part. After re-review of disputed credit card charge submitted by my wife they ruled in her favor and released our funds. However, they have not explained to us why they made the original decision to close our accounts without doing their due diligence, they have not apologized for their mistake nor have they provided us with compensation for all overdraft charges and late fees accrued. I have made numerous follow up calls for answers to no avail. No one will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding previous disputes XXXX and XXXX. Experian has been and are continuing to be negligent with information on my consumer report and are not in compliance with the Fair Credit Reporting Act, see attached exhibits
Product: Debt collection

XXXX XXXX from Eastpoint Recovery Group has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.
Product: Debt collection

Have told them numerous times by phone and letter to stop contacting me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXXXXXX 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  - XX/XX/XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One has been having issues with direct deposits since Tuesday, yet only sent out emails informing customers last night. Ive been waiting for my paycheck for two days! I have bills past due because of this! I have no money to buy food and my fridge is empty! And whats worse, they seems to have no idea when the issue will be resolved. Every time I call, its a new time frame. I called them again this morning and Ive been on hold for over an hour! Its ridiculous!
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion credit report and there is an address reporting on my credit report that I would like to have deleted. I've never lived at this address. 
Below is the address that I would like permanently deleted from my TransUnion Credit Report : XXXX. XX/XX/XXXX XXXX
Product: Bank account or service

I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor. 
Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor. 
It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment. 
Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable. 
I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense. 
By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.
Product: Debt collection

IDENTITY THEFT A COLLECTION COMPANY SOUTHWEST CREDIT SYSTEM HAS FASLEY REPORTED A DEBT THAT DOES NOT BELONG TO ME COMPANY NAME XXXX XXXX XXXX I NEVER OPEN THE ACCOUNT THAT REPORTS TO ALL 3 CREDIT COMPANYS,
Product: Credit reporting, credit repair services, or other personal consumer reports

Request was sent back in XXXX to have incorrect information removed from person 's credit report, however, this has not taken place for two credit bureaus. Please review and remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX 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  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
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently pulled my reports and noticed you are reporting that my account was charge off and the date of last active for XX/XX/2022 this account XXXX XXXX XXXX  XXXX XXXX Because the information being reported by your company and XXXX, XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
Thank you,
Product: Credit reporting or other personal consumer reports

I like to know how companies can buy up your old credit card that by law is a write-off for companies and then these companies add on interest on top of the interest XXXX okay second of all I've had credit since I've been XXXX XXXX XXXX which is almost XXXX XXXX now and now you're saying my credit age is only XXXX XXXX XXXX XXXX sorry to say, my credit score has not moved hard at all I have 100 % payments made I keep like a 20 % if that on my credit card but I pay off every month but yet my credit score never goes up I am so tired of companies that do not allow a person to actually get ahead in life it makes me pay more insurance makes me pay more for everything because of my credit score which is XXXX  now I am requesting that all my write-off charges be dismissed from my my case discharged that these companies buy it for like pennies on a dollar well I tell you what I'll pay whatever them companies pay to buy my debt I'll pay them exactly what they paid for and I will pay it off but if you don't want to do it that way get rid of them get them off my record cuz I am tired of you persistently messing up my life I am tired of paying my payments on time and nothing going up I'm tired of paying my payments and my credit score goes down how I'm a hard-working dude for years on end now I'm on XXXX yet I've had credit for almost 40 years I have score XXXX some at one time and now I can't get out of XXXX because whatever reason I don't know anymore so I want somebody to actually pay attention to somebody that actually trying to do the right thing pays all this payments on time but yet still my credit score does not go up I'm tired of having a low credit score because of lies front criminals corruption in the freaking Banks you know what anybody who allows a company to buy your debt at XXXXXXXX XXXX  on the dollar and XXXX not allowed the debtor myself to pay the same amount that them companies buy that's XXXX so I am asking and demanding by law fair credit law that says they can not do that okay plain and simple so I'm asking to have my self removed that was right off for companies anyway. And then these companies that buy it for pennies on the dollar if they can not sell it to me for the same price then they should not be able to sit there and try to charge me outrageous interest in all the extra XXXX and destroy my life in the meantime I am requesting that all my past bad stuff is removed because you can not by law use it as with a Fair credit reporting is so I am requesting that at this time date is XXXX the XXXX XXXX my name is XXXX XXXX and I've tired of not having my score go up when I do all the right things
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2. States that a consumer reporting agency can not furnish an account with my written instructions.
Product: Debt collection

I am submitting this complaint independently, without any involvement from a third party. Attached are letters providing detailed information about the items reported on my credit report. I have never had a contractual relationship with ONLINE IN SV. I believe the original creditor, XXXX, sold my account without proper notification, which constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information.
Product: Vehicle loan or lease

I am writing to file a complaint against United Consumer Finance regarding their unfair and deceptive debt collection practices. United Consumer Finance has been blocking my account prior to it being 60 days late, preventing me from making any payments to clear a repossession note on my car. In particular, a representative named XXXX at United has refused to allow payments of any amount unless they are made in full, even when the car is only 30 days behind and can not legally be repossessed or charged additional fees. This action goes against the terms of the contract I signed with United, as there is no provision stating that payments must be made in full or that the account can be blocked in this manner. I believe this practice is unjust and violates my rights as a consumer. I urge you to investigate this matter and take appropriate action against United Consumer Finance to ensure that they comply with the law.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting ACT15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution by definition under that title. 15 USC 1681 section 604 in section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to XXXX, XXXX, and Transunion, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. The mentioned credit agencies are not maintaining reasonable procedures and are in violation of 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to see my Equifax square for several weeks.
Product: Bank account or service

This account has been paid in full and should be removed from my account please verify and update my account
Product: Mortgage

XXXX attached. 
All fees to date need to be fully credited and my account should be promptly brought current.
Product: Credit reporting or other personal consumer reports

US Bank, XXXX, XXXX XXXX XXXX and XXXX XXXX each requested a credit check through XXXX XXXX XXXX against my knowledge. Someone attempted to open accounts with each of these Banks. I have received communication that a " hard Inquiry '' may be placed on my credit file and it stays on my credit report for 25 months. I have reached out to each of these banks separately and have had little success getting them to remove the inquiry. XXXX XXXX was the only bank where I talked to someone in their fraud department and was successful in having this removed from my credit. They informed me it would be removed within 60-90 days.

I have had a freeze on each of the three credit bureaus since XX/XX/year> but I had to remove my freeze with XXXX for 1 week for a cable company to run a soft credit on my account. Since this issue, my account with XXXX is frozen once again. 

The dates for each Bank and their request are below.

Thank you!

US BANK- XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX