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

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Experian, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), XXXXXXXX XXXX under the account number ( XXXX ), XXXXXXXX XXXX under the account number XXXX ), I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. 

MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. I HAVE NOT knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is currently showing XXXX20-149 days past due, XXXX is currently showing 180 days past due and XXXX 180 days past due ( with 120 days on XXXX and 120 days on XXXX ). Which is not correct, I have provided a document that XXXX XXXX XXXX legal team sent me stating that on a going forward basis reporting to the XXXX XXXX XXXX Transunion, XXXX, XXXX, etc. ) would show up as a Covid protected status. This is a legal document provided by the creditor and for thus has to be honored. XXXX XXXX XXXX has continues to use abusing predatory lending practices by reporting 120 days plus late threatening repossession through an acceleration letter requesting the full amount. Transunion, XXXX and XXXX are at fault by not conducting a thorough investigation and just letting XXXX XXXX report on my credit report 120 days plus late. The report should have a Covid 19 protected status on a going forward basis ; XXXX XXXX did not provide an end date in this letter to me, therefore it should remain in that status as this letter came from their legal department signed by XXXX XXXX Regulatory Compliance and is now a part of the contract on how reporting is conducted.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX A report has been filed with FTC. Please remove the inquiries in this dispute Thank you for reporting identity theft to the FTC. 
This is not your temporary password. Your temporary password will come in a separate email. 
Your reference number is : XXXX I recently received a copy of my ( Equifax XXXX credit report and I notice there is an unauthorized/fraud credit inquiry made by XXXX the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? During this COVID-19 I been diligently reviewing my credit and I was shocked when I reviewed my credit report and found repetitive 30 days late, 60-90 days late remarks. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report.
Product: Checking or savings account

XXXX XXXX {$200.00} posted on XXXX XXXX XXXX  XXXX XXXX {$250.00} posted on XXXX XXXX XXXX XX/XX/2021 {$250.00} posted on XXXX XXXX XXXX  payments was dispute credit fast pay because I didnt know who fast pay was XXXX XXXX. 
XXXX XXXX posted on XXXX XXXX XXXX phone bill posted XXXX XXXX paid {$710.00} to XXXX XXXX XXXX phone bill. 
XXXX XXXX Dispute credit reversal fast pay for a total of {$710.00} paid back to fast fast pay when this amount already bing paid to XXXX XXXX XXXX posted on XXXX XXXX in the amount of {$710.00} including monthly bill of {$190.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The EQUIFAX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company check my credit 5 time on 1 month adding to my credit 5 hard inquires with out my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to inquire about the remaining balance owe they say i owe them in the amount of XXXX thats apprearing on my credit report. {$10000.00} is total amount of the car which i leased from XXXX XXXX in XXXX. I paid on the car 2 years before it was repod. I called XXXX XXXX and spoke with XXXX and XXXX about the balance and was told the car was resold for XXXX in XXXX which was suppose to be deducted from the balance that ive already contributed to. From XXXX to the present, XXXX XXXX has been reporting inaccurate info on on credit report mainly Equifax and also late payments. Surprisingly after the conversation with this organization they reported AGAIN involuntary repossession on my Equifax report which caused my score to drop 78 points out of spite. Also while looking over my credit report it seems as though they changed at date from XX/XX/XXXX to XX/XX/XXXX.
Product: Vehicle loan or lease

In XXXX I financed a XXXX XXXX XXXX  XXXX from XXXX  XXXX off XXXX XXXX in XXXX XXXX, SC. Part of my finance package is free oil changes with XXXX power train and 7 year engine warranty. I bring my XXXX XXXX  XXXX in to the dealership garage for oil changes, I have realized that XXXX has been stealing parts off my vehicle, some parts are just not on the car and some parts are swapped out with old XXXX parts. A lot of parts/ components are missing now. My fuel line is a open system. To many missing parts to lists. I was thrown off XXXX XXXX property and told to call an attorney. Toyota finance said they can not uphold the warranty that XXXX XXXX agreed to. Which is a contract breach. The dealership is not fit to service the vehicle and I need an oil change now and my car back too. Toyota finance says the dealership has the title. I need the title, and a new car. Now. Please do the right thing. XXXX denied my claim, terminated my policy, threw me off their property and told me Im not their customer. I told StateFarm I need my coverage payments returned and XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX threatened to XXXX me off the property. Please kill two birds with one stone here ... Both parties are atrocious and need to be brought to correction. Please sue their pants off. Now. Please respond by email to XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XXXX, and XXXX in the year of 2020 I've sent Equifax two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website myequifax. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the accuracy and completeness of the information contained in my credit report. After a thorough review, I have identified discrepancies that I believe warrant immediate investigation and correction. 

Specifically, I dispute the notation of a late payment on my credit report, which I assert is inaccurate. To address this issue, I kindly request that you conduct a comprehensive investigation into the details of this account, ensuring that all data, including notation dates and balances, is reported accurately, regardless of whether it has been formally reported or not. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In addition, I respectfully request proof of the alleged late payments. According to consumer protection laws, if you are unable to provide such evidence, or if proof of late payments is lacking, I insist that my payment history be updated to reflect a PAANL status ( Paid as agreed, never late ). Furthermore, I request that a corrected credit profile be supplied to any creditors who have requested a copy of my report in the last six months.

To ensure transparency and adherence to legal guidelines, I am also seeking clarification on the procedures used to determine the accuracy and completeness of the information on my credit report. I understand that, as per regulations, this information must be provided within 15 days of the completion of your reinvestigation. Additionally, I am aware that federal law grants a 30-day timeframe for the completion of your investigation.

I must emphasize the importance of validating the items in question with the XXXX  reporting creditor for accuracy. If any information can not be verified by the creditor, I request its immediate removal from my credit report. I expect this process to be completed within 30 days of your receipt of this letter, as mandated by law. 

Your prompt attention to this matter is greatly appreciated. I trust that you will conduct a thorough and fair investigation to rectify the inaccuracies in my credit report. I look forward to receiving a response within the stipulated timeframes. 

Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$160.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$160.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$840.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$770.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXXXXXX XXXX  # XXXXXX XX/XX/XXXX - Balance : {$10000.00} XXXX # XXXX XX/XX/XXXX - Balance : {$56.00} XXXX XXXX # XXXX - Balance : {$2200.00} XXXXXXXX XXXX XXXX  XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian remove 4 tradeline accounts that appeared on my consumer report. I have been requesting them to complete this for over a year. The account names are : ( 2 ) XXXX XXXX XXXX, XXXX accounts, XXXX XXXX XXXX account and XXXX XXXX XXXX account totaling {$9100.00} off of my consumer report. And everytime that I have requested them to do so, it was never done. It wasn't until recently when I started to read and learn the law for myself did I figure out what I needed to do in order to have this fixed. I have attached the FTC identity theft report to this complaint so that they can finally remove these tradelines from my consumer report. 
These accounts being on my consumer report has had adverse effects to my reputation, character and ability to secure a job. I am not satified with the way this comapny has overlooked my request and not followed through at all. I have spoken to several people over the phone and it seems as if no one wants to help me. 
I am not satified and I am hoping that the CFPB can assist me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Consumer Loan

I had a loan with care credit and we had a payment plan of {$11.00} a month I borrowed {$250.00} made XXXX perfect on time payments through money orders every month I had to call and make them send me a bill I got the bill down to {$130.00} and then I get a call stating I 'm not paying my bill and it 's {$280.00} due to late fees they quit send ing me a bill and would not send one wanted my bank account. I refused said I would send them a money order I called often to get them to fix my bill due to it always being XXXX or more a month it 's been turned over to someone else for {$500.00} and they said it 's been in default since the month it openedand told me to contact you. I had proof they were putting false information on the credit report on XXXX pix it would say good payments till this day and in the info it would say no payment since a date on bottom it said good and the close date was different every statement and as we 'll as the payment not being what we agreed upon it has dropped my credit a XXXX points I want this fixed I only owe {$130.00} not {$500.00} they claim and woman said this happens all the time with this company please fix this so my credit goes back to normal my mom has called on this many times and I 'm getting no where with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an adverse account on my credit report. I disputed with all  XXXX  credit agencies : Experian,  XXXX   XXXX , and  XXXX . I had a student loan with  XXXX   XXXX  which was opened in  XXXX  and the first reporting date was  XXXX  based on Experian 's updated report. It was delinquent. The account was purchased by another company and paid  XXXX   XXXX  in full in  XXXX . According to credit bureau information, delinquent accounts should be removed  XXXX  years after first reporting  (   XXXX   ).  Therefore,   XXXX   years would be   XXXX   XXXX  . Why is this negative account STILL on my report after  XXXX  years has passed? This negative information is causing me problems in getting a job.
Product: Credit card or prepaid card

Chairman and Chief Executive Officer XXXX XXXX I Diplomat ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, i a full amount payment to XXXX XXXX XXXX  was received, via USPS proof of Delivery and service signed by XXXX XXXX at XXXX. I received a phone call on XX/XX/XXXX from XXXX from the Back Office executive office. See attachment. I called on XX/XX/XXXX and spoke to a XXXX whom said he saw the tender of payment made but XXXX XXXX refused and or declined the payment. By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a Diplomat has done. Having right of recourse with respect to the obligation to which the tender relates. I was told by XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid. Slavery forced compliance to contract not or no longer held, for they have received not only the tender of payment but also the 1099c discharge attached herein this claim. On multiple occasions someone attempted to use the card by way of identity theft, and i have not used it as of XX/XX/XXXX. 

On XX/XX/XXXX, XXXX, Virginia-based XXXX XXXX XXXX ( now part of XXXX XXXX ) announced the corporate spin-off of its credit card division, XXXX XXXX, naming XXXX XXXX as CEO. [ 10 ] XXXX renamed the subsidiary XXXX XXXX in XX/XX/XXXX. [ 11 ] [ 12 ] At that time, XXXX XXXX was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards. [ 13 ] This strategy is risky in that it can lead to losses during bad times. [ 13 ] XXXX XXXX attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit directly to consumers. [ 14 ] XXXX XXXX began operations in XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$7800.00} XXXX XXXX {$1000.00} XXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of the following accounts from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts have been compromised and/or associated with identity theft. 
Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX BANK o Account Number : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00} 2. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00} 3. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/2021 o Amount : {$0.00}