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

Hello, my name is XXXX XXXX, and I have some items being reported on my credit file inaccurately. I have previous disputed these inaccurate information with Experian while demanding for a method of verification, but the result keep coming back as either updated, or verified as accurate with me being provided with any method of verification each times.

my 15 usc 1681 method of verification along with many other consumer reporting laws are being violated, and I am demanding a new investigation.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, XXXX, XXXX, and Block, Inc. ( commonly known as Cash App ) for failing to properly investigate my disputes regarding inaccuracies in my credit report and the refund of my money. Despite my detailed submissions, Block, Inc. repeatedly responds within 24 hours claiming the account is accurate, without providing any refund or evidence of a thorough investigation. Similarly, XXXX, XXXX, and XXXX have failed to conduct reasonable investigations into my disputes, violating their obligations under federal law. 

This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of consumer disputes. Additionally, Experians actions XXXX also violate the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as evidenced by the XXXX XXXX XXXX XXXX ( CFPB ) recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I respectfully request that the CFPB take immediate action to ensure that all parties involvedExperian, XXXX, XXXX, and Block, Inc.comply with federal law. They must provide clear proof of a reasonable investigation into my disputes and rectify the issues promptly.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX  correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

The personal details on my credit report are INORRECT and I WISH FOR THIS TO BE UPDATED AS SOON AS POSSIBLE.
Product: Debt collection

I returned the equipment to charter communications within the 30 day window. I know that because I moved out of state within that 30 day window. ERC for the first time in 6 years regarding the contacted me on the matter. Stating the it went to collections. I disputed it several times with them and stated that it didn't matter if I returned the equipment and that I do not owe the money. ERC told me that there is nothing they could do. Besides waiting 6 years to contact me they also want me to pay a bill when I returned the equipment and had a witness with me. 

They told me I can keep disputing it but I will still have to pay. 

XXXX XXXX  did not log in my equipment at the time that I dropped it off.
Product: Checking or savings account

I attempted to close my wells fargo account but Wells Fargo refused to close it. Ive been trying to close this account over a month. Wells Fargo also opened up accounts in my name without my consent. WF is opening up fraudulent accounts under my name. I called in over 100 times to fix this problem but its still happening. And WF stole money out of my account over 50 times and they never payed it back. I also asked WF not to contact me again and they keep contacting me over and over again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, the natural consumer, a natural living breathing woman, in Good Faith, would like to bring to the attention of XXXX XXXX, Equifax, and XXXX Ithat I have recently obtained my consumer credit report and it appears you are reporting and publishing inaccurate information allegedly about me in a consumer file to the Consumer Reporting Agencies. The creditor is listed as U.S. Bankruptcy Court / US BKPT CT IL XXXX ( XXXX ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois XXXX 

This is my formalt request in asking XXXX XXXX, Equifax and XXXX to verify if your office reported any bankruptcy files to the Consumer Reporting Agencies? ( Please See Exhibit A attached ). 

I took the liberty of the disputing this very same information with the U.S. Bankruptcy Court / US BKPT CT IL XXXX ( XXXX ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois and they have replied to me stating that they can not and do not report to the Credit Reporting Agencies. ( Exhibit B ) Your conduct has caused me stress, financially harmed me with costs, economical/noneconomical damages, embarrassment, XXXX XXXX and loss of credit opportunity. 

Your conduct has caused me a stress, financially harmed me with costs and loss credit opportunity. 

The bankruptcy information that you are publishing about me is inaccurate and incomplete : ( 1 ) The United States Bankruptcy Court for the XXXX XXXX of Illinois ; ( 2 ) Case XXXX ( 3 ) XX/XX/2018 ; ( 4 ) Discharged/Closed. 

DELETE the bankruptcy tradeline from my file and mail me a copy of my updated consumer file. Inform any person that you reported the deleted information to that it was deleted from my report. Also, I recently applied for a mortgage and my report was frozen/blank ; unfreeze and release it! 

If you deem the disputed information are verified, then I request your method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name, address, and phone number of all furnishers contacted. I also request the name, address, and phone number of furnishers contacted for the initial file data. 

You do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Thus, I request that you contact me to review credit information about me before you publish it. Also, I do not consent to you making money from use of my name and request all monies made. A facsimile or photocopy of this letter or my typewritten signature shall be treated as an original. 



I sent this While ago to all three Companies and they are still reporting this inaccurate information about me and has not removed it. The Court wrote a letter stating that they do not report this information to anyone, Please BLOCK AND REMOVE THIS INFORMATION BECAUSE THIS IS IDENTITY THEFT AND NOT A TRANSACTION INITIATED BY THE CONSUMER, THIS IS NOT A CONSUMER CREDIT TRANSACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the bureaus a request to send me verified results that the debt was indeed mine. They have not sent me verified proof of the debt. Here is the items : XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Payday loan, title loan, or personal loan

I have a HELOC with PNC Bank with a credit line of XXXX, the current balance on XX/XX/XXXX was approximately 25k which left plenty of available funds to use. On XX/XX/XXXX I received a call from my contractor indicating a check I provided to him was declined by PNC for non sufficient funds for approximately 17k. I contacted PNC and was advised by the first CSR my account was past due, when in fact a payment of over {$3000.00} was made the week before, in addition my account is on automatic payments. I was then transferred to the Collections Dept where I was then told my account was current and they didn't have any other explanation why I couldn't use my account other than " PNC was going through system issues with their recent conversion of account numbers ''. I was then transferred to a manager whom also had no clue why I couldn't use my funds. I then contacted my local PNC bank and was given no further information other than my account was " locked ''. We spent several hours on the phone to not be provided any clear information or even less a sincere apology from PNC. The issue has since been resolved after several days of the unknown from the bank. I would expect PNC to at minimum provide some sort of compensation to me or my PNC account for my time away from work and on the phone w/ them and an apology for their lack of empathy regarding an issue that was caused by PNC .
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The company is purposefully practicing illegally in order to charge as many extra payments as possible. 
I reached out in the fall of XXXX bc I was having trouble making payments. 
The rep told me I could go on a payment plan, NOT to make a payment now, that the past due amount would be tacked onto the end of my loan ( I have the screenshots ). 
This didn't happen. A few months later, my account was marked as late, every month as I continued to pay, and I was told that the payment in the fall was late. I showed another rep the screenshot proving that I had been told not to make a payment, and he refused to help me. 
I made a payment on XX/XX/XXXX, the payments are due on the XXXX. Now I am being told my XXXX payment is late. The rep confirmed this was a mistake. but he didn't know how to fix it, no one could call me back, and I " better make time to call in. '' So they repeatedly make mistakes they refuse to fix, but I have to spend my worktime and money calling ( I am in another country, its min {$50.00} each call ). SO if they insist on this, they will have to credit my account for each call. This XXXX, they know how to use email. In fact ALL of the XXXX banks I do business with have managers that email me, XXXX, XXXX. So really this is an excuse. 

Also, when I reached out a few weeks ago, I was told I'd get a call back. The call back never came, nor did an email. But it just so happens that now Im out of the grace period. Which seems like the company does this on purpose. : Contact us if you are having problems but we will waste your time leaving you waiting to make sure you accrue late fees. '' The rep I spoke with today accidentally told me the last rep marked in the notes while we were talking that no one would call me, but you can see on my messages he told me they would. I have all of this in screenshots. 
Also when I called in before the loan was late, the rep wouldn't talk to me about the upcoming payment. He kept going back to the late payment in XXXX or XXXX XXXX it wasnt really late BTW and all of the sudden they fixed it and decided a new month is late ). But the point is, he used the error the company made as a way to change the conversation and refuse to help me. This company is breaking the law. 

Lastly, I signed up for a Covid relief program through Lending Club, there was no mention of this extending the life of my loan for a year. And now, mysteriously, my loan is a year longer, and one can explain it.
Product: Credit reporting

Equifax has inaccurate information and accounts that were closed out years ago causing my credit score to drop by XXXX points. 
the other XXXX agencies are accurate and Equifax refuses to fix anything. 
i have disputed with them and it only lowered the score even more. 
the accounts in question were closed with no delinquent payments owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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

Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX company account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX  XXXX BANK account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX BANK XXXX account # XXXX ) has violated my rights. 



In accordance with the Fair Credit Reporting act XXXX XXXX  company account # XXXX has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened here is I sent out dispute letters to the three credit  bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/XXXX of 2020. Today is XX/XX/XXXX of 2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.
Product: Debt collection

RUBIN & ROTHMAN , LLC have falsely represented them self at XXXX XXXX New Jersey to collect the debt which RUBIN & ROTHMAN , LLC didn't own it nor have any contract in place to collected on client behalf. RUBIN & ROTHMAN , LLC bad intimidation and harassment have cause me pain and suffering and must pay by the State and Federal laws described it in 15 USC law.
Product: Credit card

Hi, My son got a credit card from Wells Fargo and he was not XXXX and per the law does n't he need a parent to co sign of the credit card? He was issued a card at XXXX and did not have a parent co sign on the card. He is in debt {$1700.00}. A law was passed in 2009 aiming to protect consumers from mistreatment by credit card companies. The law included the following provisions : 1 ) card companies may not change interest rates unless a payment is late or the card has a variable rate, 2 ) credit card bills must be delivered at least 21 days before their due dates, 3 ) adults must co-sign on accounts for someone under XXXX XXXX XXXX, and 4 ) credit card contracts must be posted on-line. 
See # XXXX I am outraged with Wells Fargo preying on children that are not XXXX giving them a credit card!!!!!! 
Sincerely XXXX XXXX