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

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

To Whom it May Concern : 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$660.00} Date Opened : XX/XX/XXXX Account Name : Premier XXXX XXXX  Account Number : XXXX Amount : {$610.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Number : XXXX Account Balance : {$940.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting 2 late payments.

According to law 15 U.S. Code 1666 b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update the late payments to current immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Balance : {$440.00} Date Opened : XX/XX/XXXX The following Hard Inquiries reporting are unauthorized. Please remove from my credit report : XXXX XXXX XXXX XXXX XXXX  Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

A student loan that isn't my is on record with the Department of Education, and my credit report. It was determined that The loan was a mistake or someone used my numbers to secure a loan. 
The Student Loan Department was suppose to send me paperwork clearing my record of this loan. It was never received. Whenever I inquire about the matter by call, they say they will call back or send paperwork. I've gotten either. 
Please assist me in getting this loan removed from. My record and my credit report. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry for XXXX XXXX XXXX listed on my Equifax Credit report dated XX/XX/2023 that is not mine and Id like it removed. Ive already disputed this with Equifax and although they admit to significant data breach with their company, they refuse to remove the inquiry. Ive also reached out to XXXX and was advised Id need to dispute the issue directly with Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  and/or XXXX XXXX XXXX XXXX XXXX have been reporting a case of identity theft for almost a year. This is my statement below, and XXXX fails to proof that I was the one getting the credit. They finally sent a copy of the contract where it is very clear that is NOT my signature. I have ALL the proof that I was in New York the time this purchase was made. Please read statements below : This is my SEVENTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT.

I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERAL CUSTODY 4 ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/year> XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car or set up a business when I was in XXXX XXXX and then a XXXX House and XXXX Release living in XXXX XXXXXXXX XXXX XXXX  XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in prison and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX house or supervised release without having to go through my XXXX XXXXXXXX. 
-- -- -- MY RESPONSE TO XXXX 'S STATEMENT PROOF THAT IT WAS ME!! the contract they sent as " proof '' clearly has a forged signature. 
I was " released '' on XXXX  or XXXX XXXX in XXXX XXXX, and moved to XXXX XXXX, where I lived in worked for the following two years. I did not go to California.

Second of all, you attached a CONTRACT, well, that is the proof we need, that signature is NOT MINE, is FORGED, you can have a forensics team verify if.

I already explained and submitted PROOF that I was released in New York. Where I lived in New York. And also that my brother XXXX XXXX was living in XXXX XXXX and he was the one using my IDENTITY to get loans and credit. 

Please SHOW PROOF that it was me. I was in XXXX XXXX at the time, I could not travel or leave because I was under SUPERVISED RELEASE with several restrictions one of them buying a car 30 states away from where I was living and working in XXXXXXXX XXXX XXXX
Product: Checking or savings account

I filed claims on several fraudulent withdrawals from my checking account in XXXX but BOA refused to honor one of the claims, and the reason being my ID was used for the withdrawals, although I informed them that I was physically in TX the whole time while all fraudulent withdrawals were teller cash withdrawals from several BOA branches located in New York : - First withdrawal, {$500.00} on XX/XX/XXXX from XXXX XXXX Banking Center NY ; - Second withdrawal, {$14000.00} on XX/XX/XXXX from XXXX XXXX Banking Center NY ; - Third withdrawal, {$9000.00} on XX/XX/XXXX from XXXX Banking Center NY ; BOA credited back my claim for the first fraudulent withdrawal of {$500.00}, but rejected the other one involving much larger amount ( total {$23000.00} ).
Product: Debt collection

I began disputing this entry with XXXX as it is reflected on my XXXX  credit report. For the last year, this company has denied that they have any account with my information attached to it. This is ludacrous. Why then is there an entry reflected on my report? I have never opened an AMEX nor XXXX 's account. This account is fraudulent and should not be reflected on my credit report. 

Being that XXXX by phone and in writing has stated they have no records with this account information or can't provide any documentation to substantiate what they are reporting, the entry must be DELETED! I am prepared to hire an attorney as it seems that the company does not want to cooperate with my requests and this account is continuing to report on my credit. 

This account does not belong to me, was fraudulently opened and therefore I am demanding that it be deleted!
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus for the information below and they did not comply. 


1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, the following creditors have violated my rights : XXXX ( account ending XXXX ) {$23000.00} XXXX XXXX XXXX  ( account ending XXXX ) {$640.00} Nissan acceptance corp ( account ending XXXX ) {$23000.00} 15.U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 section 604 section 2 states : a credit reporting agency can not furnish the account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the federal credit act 15 U.S. Code 1681i my right has been violated.

- Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller. 

The following complaint number are going almost within the 30 days period. 
Complaint numberXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The experian credit reporting agency has been reporting a car loan for a couple of months now it's showing that it has a balance and a past due and if the account is open his XXXX XXXX XXXX and auto finance company the account is not open the car is paid off I have the title I have a letter from the company saying thank you for paying off your car Experian is showing inaccurate information for months I was denied a home mortgage loan due to that car it is not right they're showing it 180 days past due and they have been for the past 18 months I got to get this fixed I wanted to delete off my credit report it's hurting my score I'm trying to work on my credit and get everything back where it should be after my identity was stolen but with companies doing stuff like this it makes it hard especially when you pay off something you get the ownership of the paperwork from the DMV and it's still showing up late and open with a balance I don't think so please help me fix this report number XXXX XXXX XXXX XXXX I have disputed this account multiple multiple times I've contacted Experian sent them the proof that the account is not open and it is paid off and about 3 days later I'll get a notice saying that the account has been validated and verified it remains there is no way even a company itself said that the car is paid off it's wrong that is wrong so I don't know this is so who really hurting my credit and I thought I had credit rights I'm starting to think I don't
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account listed with an original creditor of XXXX XXXX XXXX in the amount of {$1800.00} was added to my XXXX credit report by Portfolio Recovery Services on XX/XX/2019. The opened date of the account is listed as XX/XX/2019. I have never heard of this bank and have NEVER opened a credit card or account with them. I have not opened any new accounts in the last year. This is a fraudulent account that belongs to someone else and should be removed from my credit report immediately. I have never received any type of written communication or verbal communication from this either of these companies regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from XXXX XXXX XXXX before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that XXXX XXXX XXXX reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that XXXX XXXX XXXX reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get XXXX XXXX XXXX to correct it and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccuate or incomplete or can not be verifred, the consumer reporting agency shall** ( i ) proptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting or other personal consumer reports

I recently disputed these accounts previously and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. These accounts that have been previously disputed are still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Per the Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately, per the Federal Fair Debt Collection Practices Act ( FDCPA ) XXXX USC XXXX ( c ).
Product: Credit reporting or other personal consumer reports

The information on my credit consumer report is inaccurate
Product: Debt collection

I was contacted by this company via postal letter They claim I owe money to XXXX. XXXX account XXXX for {$380.00}. I Contacted XXXX XXXX. And they have no evidence of that account. They can not produce evidence of a bill or that I owed XXXX XXXX money, my XXXX account is a different number and it is paid to date. When I called them, they argued that XXXX would not be able to see the debt and that I owed the money. This is a complete scam. They can not provide evidence of this account. Threatens to report it to the credit agencies. I've reviewed this company on the better business website. There is plenty of evidence from reviews that this company is running a scam.
Product: Mortgage

One in applying for a mortgage modification my loan account manager told me not to make any payments while the modification was being processed meanwhile when all was said and done and the modification was granted I was told that I had to pay the entire balance that they would not except any partial payments Pretty much left me in a bind but all the payments were made and so I do n't feel like I should be penalized or it should show that I was late 30, 60 120 days etc .. I was simply doing what I was told at the time so it was my bank account manager gave me the wrong information for them aware I have just been laid off and put on XXXX and my has been going through his XXXX round of XXXX XXXX and had to be having a XXXX and so that 's why we need the modification and that 's why there was late payments. Can you please change the standing of the payments to reflect that that was not my fault that that 's what I was told to do because I 'm trying to refinance the mortgage right now so I 'm trying to fix my credit report thank you
Product: Credit card or prepaid card

Chase failed to credit my account for 2 transactions for which they already collected from the merchant via a chargeback. In response to me, Chase claimed to have been unable to pursue credits from the merchant due to the age of the transaction. However, after going back to the merchant to attempt further resolution, the merchant has informed me that in fact Chase did already collect 2 of the transaction credits. The merchant also provided me documents and details showing how chase had already issued these chargebacks. As it appears, Chase erroneously grouped all items ( including the once they were unsuccessful without noticing the 2 which they were successful ) and failed to apply these credits to my account. I still have an ongoing battle about the other transactions to which Chase has been unable to pursue thus far, however, the 2 which Chase did collect must be credit to my account without further delay. 
- See my letter for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681C. ( a ) ( 5 ) Section States : 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.

15 USC 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 or other personal consumer reports

Good afternoon I received an email on XX/XX/year> stating that I owe Bank of America {$4600.00} with account ending in XXXX and this is inaccurate information that doesnt belong to me. I been trying to fight this for a while and really trying to get this off my credit report. I havent received any updates or further information. I called customer service and sent emails also. 
Respectfully