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

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : Account # XXXX XXXXt : Account # XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX  XXXX : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. It 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 itemsof information any other adverse item of information other than records of convictions or crimes which antedates the report by seven years.

15 USC 1681s -2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Recently I have noticed a flood of late payments on my account. Along with closed accounts that are not mine. They come from about 3 maybe 4 different companies. I have disputed these accounts as they are fraudulent and this information is inaccurate. The credit reporting agency state they are not familiar with these laws and do not base their decision on laws. Fraud or not. Please assist if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX -XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

XXXX ( yes the name should have been a clue ) reneged on an agreement to repay the debt back in XXXX. They then attempted to sue me in the middle of a XXXX. The judge dismissed the case. This shouldnt be on my credit at all. They have now sold this debt to Jefferson Capital Systems, who has now reported this to the credit bureaus AGAIN. This madness needs to stop.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Bank account or service

My name is XXXX XXXX and I used to have an account with Citizens Bank in XXXX CT. 
I had an overage back in 2012 I believe and this bank charged me like XXXX dollars a day ; in response I closed the account but they kept adding charges for over a month. Citizens Bank trumped up charges for under a {$100.00} to a {$290.00} debt which is just bank charges. I would have resolved the balance but they were more interested in getting as much as they can out of me. The bank 's behavior was predatory and I would like to have this account removed from the National banking XXXX because it is preventing me from opening an account.
Product: Debt collection

***NOT A DUPLICATE COMPLAINT*** ***NEW COMPLAINT*** I have federally protected consumer rights under the Federal Debt Collections Practices Act. I am entitled to the information in 15 usc 1692g in order validate the debt. Please provide the five pieces of information below. 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. So far your agency has failed to provide the required debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft and the accounts were closed only to discover they have reappeared
Product: Debt collection

Upon the termination of my lease, XXXX XXXX XXXX sent me a deposit invoice with a final bill in the amount of {$6700.00}. I initially contacted them to dispute that I was not the only lessee on the contract and that my co-lessee should be responsible for half the bill. I then received a bill from the collection agency Hunter Warfield for an unpaid debt in the amount of {$8800.00}. I attempted to contact both XXXX XXXX XXXX and Hunter Warfield to inquire as to the nature of the discrepancy in price. The property services told me to refer back to my deposit invoice and refused to correct the information. I am disputing the amount owed on the grounds that I am not the only lessee, as well as incorrect debt amounts, and would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wrongly accused and penalized on my credit report by Portfolio Recovery Associates for {$710.00} on XX/XX/2016. I've already taken the time to dispute all charges. This collection account has had an adverse effect on my credit and I would like them to be removed expeditiously. I have even reported this account as fraud as there is no evidence that this is even my account. 

This company has also been harassing me with an overwhelming amount of phone calls to my home as well as my place of employment. Please have this account removed from my credit report immediately.
Product: Consumer Loan

I 'm currently working with a Debt Resoultion company to pay this loan. However, Borrowers First has now obtained the phone numbers of my family members harassing them for payment. These phone numbers were not issued to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After being negatively affected by identity theft, I have tried several times to rectify open accounts and negatively reported information with both the creditors and credit reporting agencies to no avail. I have been sending letters with no responses from either creditors or credit reporting agencies. This has been a great strain on me personally and professionally. By not being able to attain the credit that is necessary to grow my business.
Product: Credit reporting or other personal consumer reports

I have disputed my credit report since XX/XX/2023 I should have a better credit score than 500. No late payments should even show up on my credit report according to 15 USC 1681a ( 2 ) ( b ). Also with the new law that Congress just passed no medical bills should be listed either. I NOW HAVE THE RIGHT TO FILE A LAW SUIT SO CAN YOU PLEASE POLICE UP YOUR BREAUS BECAUSE ITS TOO EASY TO FOLLOE THE LAW YALL EXPECT XXXX PPL TO FOLLOW THE LAW BUT EVERYONE GETS EXCUSES AND PATS ON THE BACK! MY CREDIT REPORT SHOULD BE REFLECTIVE IT ONLY TAKES 30 DAYS! I have my auto loan showing up as negative when the insurance paid it off. When people dont follow the laws it leaves consumers unable to actual live!
Product: Mortgage

.. Loan Care XXXX XXXX paid flood insurance XXXX. On XXXX they paid it again for XXXX. I was in the process of changing insurance. I had called and asked them not to pay it. So they pay it twice. When I received my Statement. for XXXX payment I called and asked why they paid the ins twice, they had no answer. But was told I needed to get the XXXX payments back from the insurance for my escrow account. So I called the insurance several times. They sent Loan care XXXX back on XXXX paid XXXX for XXXX payment. I was told If I paid XXXX it would clear the shortage, if not my payment would XXXX. I sent the check on XX/XX/2019. But had to pay the XXXX for XXXX. I called and talked many supervisors they all said I didn't send a check. Kept telling me I was short XXXX they did several account disclosure statements. And told me I was wrong. On XXXX I paidXXXX. I called a supervisor again, this time she told me to send copy of the check to resolution team. So I did, they told me would be resolved by XXXX. I called they said no nowXXXX. they were supposed to call me both times. I called on the XXXX Now the check is in a suspense account. there till XXXX XXXX payment XXXX. They wrote me XXXX letters told me how seriously they take this, but can not reach them, on XXXX XXXX and XXXXOffice closed never calls back. I want to know why they stressed me out, Where was my money, why mistakes on their responses thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation.
Product: Credit reporting or other personal consumer reports

The repeated errors on my report are causing me a great deal of stress and XXXX. It feels like I'm constantly fighting an uphill battle, trying to prove my creditworthiness when these inaccuracies paint a completely false picture of my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n 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 us 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 depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been alerted to 2 hard inquiries on my XXXX XXXX Credit Report, I have never had anything to do with either of these companies XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX I contacted XXXX XXXX and was told that I had to prove that these inquiries did not belong to me, by contacting the above companies and get a letter of deletion.. and then they said it's only on your report for 2 years, why bother. I tried to dispute it on the XXXX XXXX site but it's the only part of the report that I couldn't select. It looks like your my last resort ... 

PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

Credit Bureau XXXX XXXX and Equifax has my name and address wrong reporting. I tried to dispute with both companies and they saying its verified and correct but my ID clearly shows what it is. I also sent in my ID in but they still have not corrected the situation. I was a victim of IDENTITY theft and the names that is not right should be deleted asap!
Product: Mortgage

KeyBank is purchasing hazard insurance on my behalf and adding it to my mortgage balance without getting my consent ( while disregarding my proof of adequate dwelling coverage )!

This violates Connecticut law regarding over-insurance of a property. My property is covered at 125 % of the value of the dwelling. Keybank is attempting to insure the property at 125 % of the remaining loan amount.

The bureaucracy of the bank requires the " XXXX XXXX '' to contact the " Bank '' to rectify the situation, although the " XXXX XXXX '' directly bought insurance on my behalf. 

How can a bank break the law and increase my mortgage balance at the same time? And give me no recourse beyond hiring an attorney to sue?
Product: Payday loan, title loan, or personal loan

I took out a loan with XX/XX/XXXX. They are not letting me pay within the interest free period of 90 days. First they said my card was returned. I dont have a card on file. I told them to take directly out of my account they have my routing and account number. They said they would take the payment out of bank account I have it in writing and they still have not taken the payment. I believe this is a stall tactic so I miss the payoff date and am forced to pay interest. They also told me a bank transfer takes 10days to process? Hello its 2019. These people must be stopped and reported 58 % finance charges??? Please help! XXXX XXXX
Product: Student loan

I filled out the online form to request buyback for previous in school status but it was denied with no reason given. I've requested PSLF monthly qualifying payments over and over again for the period from XX/XX/XXXX to XX/XX/XXXX and XXXX just denies the requests. I've sent a request to student aid. I've filed complaints. They just close the complaint and don't credit me. I don't understand why. I was working full time at a qualified PSLF site the entire time I was in school during this time period. The employer was already approved as a PSLF site. Why can't I retroactively be given qualifying months? If I could I would almost be DONE. I already have XXXX eligible and qualified payments listed on XXXX website. I also have another XXXX or so more monthly qualifying months under the income based repayment plan at my current employer. Any help you could offer me would really be appreciated. I've been trying for many many months now to get XXXX and/or student aid to give me credit for already approved employment I also started paying on the income based repayment plan in XXXX at its inception. Also, my oldest loan dates back to XXXX?? I don't understand why I have not been awarded student loan forgiveness through any number of forgiveness programs for which I am presently eligible.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED INQUIRIES : 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

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( XXXX XXXX XXXX ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : FORMAL CFPB COMPLAINT DEMAND TO REMOVE ALL CLOSED ACCOUNTS FROM CREDIT REPORTS To Whom It May Concern, I am filing this formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove closed accounts from my credit reports, which is negatively affecting my credit profile. I have no active financial obligation with these closed accounts, and their presence serves no legitimate purpose except to unfairly harm my creditworthiness. 

ISSUES & VIOLATIONS : 1. Failure to Maintain Accurate Credit Reporting ( FCRA Violation 15 U.S.C. 1681 ) Credit bureaus are legally required to ensure that all reported information is accurate, complete, and up to date. Keeping outdated, closed accounts on my report is misleading and damaging to my credit score. 
2. Negative Impact on My Creditworthiness Closed accounts serve no purpose in assessing my current credit risk and only artificially lower my credit score, making it harder to secure new credit opportunities.

3. Unnecessary Inclusion of Outdated and Inactive Accounts Since these accounts are closed and no longer active, they are not a valid representation of my current credit standing and must be deleted immediately.

FORMAL REQUEST FOR ACTION I demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate action and force Experian, Equifax, and TransUnion to : 1. Immediately remove all closed accounts from my credit report. 
2. Update my credit report to reflect only active and accurate financial data.

3. Provide written confirmation that all closed accounts have been removed.

NOTICE OF LEGAL ACTION IF NON-COMPLIANCE OCCURS If this issue is not resolved within 30 days, I will escalate this matter by : Filing a formal complaint with the Federal Trade Commission ( FTC ) and my State Attorney Generals office. 
Seeking legal action for willful non-compliance under the Fair Credit Reporting Act ( FCRA ). 
Demanding monetary damages for the harm done to my credit profile. 

This letter serves as official notice of my dispute. I expect a prompt resolution, and I will not tolerate any further delays, excuses, or failure to comply with federal credit laws.