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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( 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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. This is the account I marked inaccurate XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - There is an incorrect address listed on my Experian credit report. I have never lived in Massachusetts.

Experian will not handle the dispute online.

When I call to have the dispute handled, the wait time is 2 hours. This is unacceptable.

I can not help but feel that Experian is a scam website. My first credit report came out without this fraudulent information - granted, it had *other* fraudulent information - but the most recent one includes two pieces of *new* fraudulent information. Are they trying to scare me into buying their product? How did my credit report get so much worse in the 2 weeks that I have been using Experian?

Thanks.
Product: Debt collection

I reviewed my most recent credit report and I noticed a collection ( s ) that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in questions did not belong to me. 

I request debt validation to prove the debt was mine and to execute my right to full accuracy of my report. This is a clear violation of section 604 15 USC CODE 1692g and 5 USC 552ai3 violation of inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Hello, I'm XXXX XXXX. I am writing to demand my privacy rights be respected. XXXX, Experian XXXX XXXX are violation my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my right to privacy but they have also violated the FCRA. They are sharing my information without consent, written instruction or authorization. I have no contracts with these consumer reporting agencies and they have no excuse for sharing my information with their affiliates. This invasion of privacy and extortion. They threatening to continue disclosing my personal information until I pay. This is also a violation of the criminal coden18 us code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft 18 us Code 1028. 

In addition to these blatant violations there are still more problems unresolved I expect all late payments to be removed. Transactions are to be excluded from the report. So much of the FRCA has been violated I have grown weary of finding violation. I will simply list then as follows : 1. 15 usc 1681a 2. 15 usc 1681b 3. 15 usc 1681c 4. 15 usc 1681i I am demanding the cease of improper reporting and knowing violations as per 15 usc 1681s. 
In order for equitable relief I demand the following items be removed without delay and rapid restore, or I will be forced to instruct the FTC and CFPB to do a thorough investigation. 

1. XXXX XXXXXXXX - Remove Late Payment 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Remove Account. 
3. XXXX Inquiries - Remove From Report 4. XXXX XXXX - Removed Account 5. XXXXXXXX XXXX - Remove Account 6. XXXX XXXX - Remove Account 7. XXXX - Remove Account 8. XXXX - Remove Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX GA XXXX The following accounts listed have never been mine : 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 1981****, XXXX XXXX XXXX XXXX XXXX**** Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, you may have violated federal law. I expect you to make a re-investigation Immediately. My ID and SS have been attached for proof of ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard inquiries reporting on my credit file that I didnt authorize nor recognize. I have tried disputing these inquiries. Please remove
Product: Credit reporting or other personal consumer reports

Charge off account-Ally Financial Certificate of indebtedness. 
This account has been charged off and is considered a certificate of indebtedness. Per 26 CFR 108, IRC section 108, and 29 US code 108- a certificate of indebtedness is considered income and income can not be reported on my credit report and must be removed. Under IRC section 108, and 26 U. S. Code 108-income from discharge of indebtedness, a taxpayers cancellation of debt is included in gross income unless specific exceptions apply. 

Right to opt out-Law 15USC-6802-6805 Privacy act of 1974 Per the FCR Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, 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. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Ally Financial Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission and this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of Ally Financial credit reporting. Please delete this account from my XXXX report per Privacy act of 1974, and 15USC-6802-6805.
Product: Debt collection

My credit report has a collection on it that is false in every way. The claim is made by Jefferson Capital System XXXX XXXX XXXX XXXX. XXXX, MN. XXXX XXXX XXXX XXXX  was opened by me on XX/XX/XXXX and charged off on XX/XX/XXXX, over three years ago. Jefferson has put on my credit report that I opened on XX/XX/XXXX and the account is still open, this is not true. They are stating I owe {$690.00}, also false, when in fact the original amount was {$300.00}. and charged off by original creditor. Further more I have seen no paperwork, statements, or any other correspondence from Jefferson Capital at all. I only noticed this as it was on my credit report as of XX/XX/XXXX. The info they have placed on my report as debt collection, open account is false, and I need this removed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Violation of Right to Accuracy Dear Comenity Bank / Victoria secret I am writing to dispute the charge-off reported on my credit report associated with Account Number XXXX I believe this charge-off is inaccurate and violates my right to accuracy as established under the Fair Credit Reporting Act ( FCRA ). 

According to my credit report, this account shows a charge-off status, which I dispute for the following reasons : 1. **Inaccuracy** When a creditor writes off a debt and reports it to the IRS, it can not continue to report the forgiven amount as an active debt on the debtor 's credit report. Once a debt is written off, it should be marked as " charged off '' or " settled, '' but not as an open or outstanding balance. Reporting the debt as still due after writing it off would be inaccurate and could violate credit reporting laws under the **Fair Credit Reporting Act ( FCRA ) **.

I kindly request that you investigate this matter and provide me with the evidence that validates this charge-off. I would also like a correction of my credit report to reflect accurate information regarding this account. 

Under the FCRA, I am entitled to receive a response to my dispute, including an explanation of your findings. I have attached copies of relevant documentation to support my claim. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Vehicle loan or lease

On XXXX XXXX I have contacted CAPITAL ONE to inform them of violating my consumer rights as I have never been told I have the right to rescind my contract, never have they explained that the finance charge is the sum of all charges 15 USC 1605 also no cash comparable in a consumer credit transaction.15 USC 1602 ( p ) defined credit card mean any card plate coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. I extended credit to XXXX and I the natural person and cardholder received no benefit. XXXX practiced unauthorized use of my credit card pursuant to section 1643 of this title means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority such as use and which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card XXXX is under the truth and lending act, which states that I am only responsible for the finance charge. This contract is VOID AND NULL no further payment is to be made on this BREACH CONTRACT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021, I contacted Equifax & submitted legal documentation regarding the 5 public records ( bankruptcies ) they have listed on my consumer report which Equifax obtained from XXXX XXXX. I informed Equifax & provided documents stating that these 5 public records needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, Equifax has refused to remove those accounts. At the same time that I contacted Equifax, I also contacted XXXX XXXX directly and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX on XX/XX/2021 via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the 5 public records referenced on my Equifax consumer report have now been removed from their database. Additionally, XXXX XXXX also responded via hard copy through the US Postal Service via mail dated XX/XX/2021, again stating that the 5 public records have been deleted / removed from their database. Therefore Equifax immediately needs to delete / remove this now fraudulent public records from my consumer report within their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my EXPERIAN credit report that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with Experian and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked EXPERIAN for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a pay day loan with XXXX in XX/XX/XXXX, for the amount of {$800.00}. The interest of the loan is 490 % These are the payments I have made thus far ( automatic payments made from my checking account ) : XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} Total amount : {$1300.00} I have checked their online website and there is no record of payments made. Also it does not show the amount getting lower. 

I feel the terms were misleading and I have paid the sufficient amount to cover the interest and initial amount {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My repossession date with this company is XX/XX/2015 I have spoke to multiple representatives I have spoke to supervisors and multiple supervisors the supervisor I spoke today name was XXXX and I keep explaining to them that this repossession needs to be off my credit report because it's been over 7 years from the time of the delinquent repossession she have stated that they have contacted the credit bureaus to have the the remark removed for over three months and it is still on my XXXX and my XXXX credit report this is a violation of my rights and it's affecting my life I can not get a car or anything because the remark is still on my report even after the statue of limitation I have exhausted my resources I have sent out multiple letters numerous of times and still nothing has been done.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> I reached out to XXXX XXXXXXXX XXXX XXXX about them reporting incorrect information. 
The date reported in correct was for the month of XXXX. 
All of my payments have been on time. All reports must be 100 % accurate this needs to be resolved now. It has dropped my credit score more than XXXX points because of incorrect information! 
Ive always been on time and ahead. Please resolve this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX  XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX
Product: Student loan

XX/XX/2019 phone call received from a XXXX XXXX from XXXX XXXX XXXX. Stated that I was approved for student loan forgiveness program. She looked up the company I work for and stated that it fell under their terms for public service. She filled out all these forms. She also went through and got to my FSA account and had me forget password and go through there to see who my loans were through and get the information. She then had me sign documents and send in verification of employment and family house hold. The terms were that I pay {$200.00} for 6 months to their company and also continue paying the {$10.00} a month to my student loan service. I could not pay off my loans any sooner than 10 years because it was a contract. After this was all done a couple of weeks later I called the company and asked my concerns about how things did not seem correct and I just seemed uneasy with it and he reassured me that after the 10 years the left over interest and payments on the account would be forgiven. I still did not feel comfortable so I called my student loan service company and they could not tell me too much other than a consolidation loan had been made and my payments were only {$10.00} a month and will be re-evaluated next year. I finally found an email from the company ( XXXX XXXX XXXX ) and there was a warning as soon as you click their website stating that the company on XX/XX/2019 was sued by the Bureau for Consumer Financial Protection for practices related to their student loan debt relief operation.
Product: Debt collection

Myself and my partner rented an apartment for 1 year from XXXX XXXX in XXXX Nc. We relocated due to 3 family deaths to XXXX XXXX, Iowa and our move out report was an excellent report. Then 45 to 60 days after departure they tried to charge us nearly {$500.00} for carpet replacement for contractor grade carpet for a 12 x 12 bedroom. We were not told this at moveout otherwise we would have paid for the carpet and taken the remnant. We told the company numerous times that we disputed the amount and wanted to see the carpet personally as we have senior family still in the area. Then they sent the account to Pro Collect of whom we both disputed the debt in it entirety. We have disputed for 2 years and all they do is say " owed '' with name of original creditor. We have made XXXX  complaints on both companies, and due to family tragedy my partner had to file bankruptcy and they still tried to collect from him until his attorney threatened FDCPA violation lawsuit. 
Pro Collect XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX This was also reported to the Iowa Attorney General office attention XXXX XXXX on XX/XX/2021.
Product: Debt collection

Idk know what this is for i never had my lawn done with these ppl at all and sent emails and called advised this and still on my cbr
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

In the past I complained about being a victim of Wells Fargo and nothing was done and we are still homeless as a result of their wrong doing. I need justice I am an elderly person with XXXX that has been took advantage of I need justice this matter needs to be addressed
Product: Credit card or prepaid card

I received an account statement from a creditor who had closed my account years ago, showing a negative balance. They had reopened the account without my consent. I called the company and complained and instructed them to discard the account and my information. I am still receiving statements.