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

I have reached out to Experian, XXXX, and XXXX regarding several inaccuracies on my credit report. I also reached out to the collection agencies that are reporting this inaccurate information but they never responded after several attempts. The issue i have with Experian, XXXX, and XXXX is they are falsely claiming they have done investigations and I know for a fact, 100 % they have not done any investigating because i also provided them proof of the inaccurate information and they still failed to remove the items. For example : I provided a copy of all 3 bureau credit reports and highlighted the inaccuracies across all 3 bureaus. If all 3 bureaus are indeed performing an investigation and gathering their information from the collection agencies, then there is no reason for all 3 bureaus to have different information ( balances owed, date of last activity, collection accounts that still show open status, late payment/charge off dates all different ). 
XXXX XXXXXXXX XXXX XXXXXXXX shows open status with XXXX, but closed with XXXX. It says account not disputed when I also have proof this account has been disputed several times. 
XXXXXXXX XXXX XXXX XXXXXXXX shows open status with XXXX and closed with XXXX. Date of last activity shows XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. This account also says not disputed and i have proof that it has been disputed. 
XXXX XXXXXXXX XXXX XXXXXXXX again shows open status with XXXX, but closed with XXXX. It shows last date of activity as XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX again shows open status with XXXX, but closed with XXXX. Last date of activity as XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX XXXXXXXX shows open status with XXXX, but closed with XXXX. LAst date of activity is XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX is showing as a closed collection account with XXXX and XXXX but the balance continues to change. Last date of activity is XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
With all these inaccuracies, there is absolutely no way these bureaus are conducting fair investigations and i know i have rights as a consumer.This inaccurate information is damaging my credit and causing me to be denied credit and i've already lost 2 job opportunities becuase of this.
Product: Debt collection

allied collection services is saying i owe them {$430.00}. they have negatively impacted my credit report with this false item. i dont owe them anything at all. i dont recognize this debt. they are trying to collect a debt not mine
Product: Debt collection

On XX/XX/XXXX I checked my credit report to find that my score dropped by XXXX points. Upon further investigation the drop is a result of a collection placed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$250.00}. I contacted XXXX XXXX on XX/XX/XXXX and was told that this is from XXXX. I have had no communication from XXXX XXXX with regards to this debt. I also had no knowledge of this debt prior to reviewing my credit report. 

I received no communication via mail, phone calls, nothing. My credit is severely impacted from this, and this is in my opinion, illegal.
Product: Debt collection

I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS IAM IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM COMSUMER REPORTS N CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
Product: Credit reporting or other personal consumer reports

Inquiries that are not authorized are being reported on my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : * XXXX XXXX XXXX XXXX XXXX XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
3. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is for XXXX. 
I've disputed the missing Payment History several times. Experian removed the year XXXX and XXXX from this account. This is no longer FAIR. 
Experian claim the account open date is XX/XX/XXXX but the Payment History begins XX/XX/XXXX. How? 
This account is missing 17 months of Payment History that's required to make this account ACCURATE and COMPLETE. Based on the reporting of this account it must be deleted under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( XXXX / Equifax / XXXX ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXX to both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XX/XX/XXXX, though I paid these debts in full in XX/XX/XXXX!. I have requested Debt Validation from : XXXX : a ) XXXX Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX A Acct No. XXXX EQUIFAX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX A Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX
Product: Debt collection

yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax Credit Reporting Agency Regarding Failure to Delete Online Account and Violation of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have encountered with Equifax credit reporting agency. Despite multiple attempts and requests, Equifax has failed to delete my online account with Member ID # XXXX, citing supposed identity theft concerns. I have invoked my rights under The California Consumer Privacy Act of 2018, which was further amended in 2020 to the CPRA, to have my information removed upon request, including online accounts. However, Equifax does not provide consumers with the option to delete non-active accounts once they sign up, leaving individuals vulnerable to potential identity theft risks as they are unable to promptly address any malicious activities.

The inability to physically delete an online profile account exposes consumers to heightened risks and violates the fundamental principles of consumer privacy rights. It is imperative that credit agencies, including Equifax, offer consumers the right to opt out and permanently delete any information from their systems, as mandated by the CCPA. The current practice of retaining consumer information against their will is a direct violation of consumer rights and privacy laws.

I am requesting Equifax to take immediate action to delete my online account and permanently erase all associated information. Additionally, I urge Equifax to establish a clear and accessible method for other consumers to delete their online accounts without facing barriers or feeling restricted by the agency. Consumer rights exist to protect individuals, and any disregard for these rights undermines the trust and integrity of the system put in place for the benefit of consumers.

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that Equifax complies with the legal requirements and consumer rights outlined in the CCPA and other relevant regulations. Your intervention and advocacy in upholding consumer rights are crucial in addressing this issue and safeguarding consumer privacy.

Thank you for your attention to this matter. I look forward to a prompt and effective resolution to this complaint. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My monthly car note is {$560.00} and is due on the XXXX of each month. I split XXXX payment in half. I scheduled a payment on XX/XX/year> using the Truist Auto Loan app in the amount of {$280.00} to be paid on XX/XX/year>. On XX/XX/year>, I scheduled the second half ( {$280.00} ) to be paid on XX/XX/year>. On XX/XX/year>, I logged into my Truist Checking Account to see if the payment was pending and saw that the auto loan drafted {$840.00} instead of the {$280.00} that I authorized. I contacted the auto loan customer service department at XXXX on XX/XX/year> and spoke to XXXX who told me that it looks like I authorized the payment on the app and I have to wait for the payment to post but I kept telling her I only authorized {$280.00}. After arguing with her for about 30 minutes, she put me on hold for 20 minutes so I hung up. Before she put me on hold, she told me to call back " tomorrow '' after the payment posts. I called back at XXXX on XX/XX/year> and spoke to XXXX who apologized for the confusion and told me that I would have to call back after the payment posts on Tuesday to get the refund of {$560.00}, the difference between the incorrect payment of {$840.00} and the correct {$280.00}. On XX/XX/year> at XXXX, I called the customer service department again and spoke to XXXX who told me that they could not refund me for {$560.00} because that would put my car note behind and I told her that my car note is current through XX/XX/year> with the additional payment they drafted without my authorization. She put me on hold several times and finally told me that she made a mistake in telling me that I would be behind and that I now have to wait several more days for the payment to fully post before I can request a refund. They have been giving me the run around and now my checking account is overdrawn due to their mistake!
Product: Credit reporting or other personal consumer reports

This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, CFPB Complaint # XXXX, XXXX, and XXXX. I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid request for investigation. However, in response, your agency has simply stated that the accounts in question were " verified '' without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. 

Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute - this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.
Product: Debt collection

I pulled my credit reports recently. I found that LVNV funding was listing collections with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed.
Product: Checking or savings account

An account with Truist bank was opened in my name and had at least one wire transaction in the amount of {$3000.00} on XX/XX/. The account was then closed on XX/XX/XXXX XXXX
Product: Checking or savings account

They locked my account for fraudulent use. However I never called to report fraudulent use. I never made any purchases outside of the United States. I have been calling since Saturday ( XX/XX/XXXX ) to resolve the issue. I was finally able to get someone on the phone yesterday ( Sunday XX/XX/XXXX ) I was informed I had to wait until tomorrow ( Monday XX/XX/XXXX ) to call. They gave me the phone number to call and what option to push when I made the phone call. After being hung up on after asking to speak with a XXXX. They proceeded to hang up on me because a XXXX was not available to take the phone call at that time. I proceeded to call back. Twice now I have been told that my account is under review and I will not have access to my funds for 24-48 hours upon them completing their review. Even though I have told them my account number, debit card number, and birth date they proceeded to tell me that the department that is reviewing my account does not accept phone calls. I have informed them that I want to be called by noon today with answers. This is absolutely unacceptable. I have two children I have to buy items for and they will not allow me to access my funds at all. They will not even allow me to transfer my funds. This does NOT feel legal to me at all. Citibank needs to be shut down. They are not acting like they care that they are withholding {$3200.00} away from someone who has worked extremely hard for the money they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration XXXX ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/2023 complain # XXXX .However i requested the credit bureau to Transunion to send me a detailed desscription of the investigation according to 15 usc 1681i ( 7 ) No later than 15 days and they never furnished the requested information .They did reply and said the information has being verified and still they are reporting improper information on my credit file .Attached is a copy of my credit report with the information reported which is not accurate XXXX XXXX XXXX XXXX XXXX XXXX No late payments on those and again verify the balance. XXXX XXXX XXXXXXXX Not my account, Its a corporate account company owned by my Ex -wifeXXXX XXXX XXXX XXXXXXXX Not my Account According to 15USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1682c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of mobile telecommunication for XXXX open XX/XX/XXXX, XXXX XXXX XXXX reported on XXXX and gym memberships open XX/XX/XXXX for XXXX XXXX XXXXXXXX and XXXX XXXX open on XX/XX/XXXX. These accounts have resulted in fraudulent collections and charge offs appearing on my consumer XXXX credit report maintained by you which shows aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or charge offs are resulted from this matter. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer charge off collection accounts resulted from this matter.
Product: Money transfer, virtual currency, or money service

My father, who has a Wells Fargo account, wired me me {$5000.00} USD two times into my Wells Fargo account. Once on the XX/XX/XXXX and once on XX/XX/XXXX. Only one {$5000.00} transfer was completed, and the other one has not yet arrived as of XX/XX/XXXX. 

It is not an error on our part, such as typing in the wrong information, as the information was already saved in Wells Fargo 's system. And as additional proof, one of the {$5000.00} arrived promptly and the other {$5000.00} was sent using the exact same information. This is obviously an error on Wells Fargo 's part. 

My father contacted Wells Fargo and are very uncooperative. They've initiated a trace, but whenever we contact they are very dismissive and try to brush the issue aside. They are also unwilling to refer us to higher ups who can answer our questions. Since the money was transferred from one Wells Fargo account to another, tracing it should be very easy. I needed this money a long time ago and the longer I wait, the more damaging it is to me.
Product: Credit reporting or other personal consumer reports

I have numerous hard inquiries on my report that I didnt do. I also had different names and addresses on report. I would like it removed. I already took action to place freeze on account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2021 that my credit card had been closed due to " inactivity and / or information on my credit report. '' The letter stated that my credit score as of XX/XX/2021 was XXXX. It further went on to state " Delinquent or derogatory status on accounts is too recent. '' The credit score they are reporting is not what shows up on my credit reports. This of course negatively impacts my credit score. I called the number for the company but got a recording stating that my account is closed and there was no further information. The letter stated I could contact them to review information I feel is inaccurate but obviously I was not able to do that.