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

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account from my credit report.
Product: Debt collection

To Whom it May Concern : I am writing to dispute fraudulent accounts that are listed on my Credit Report. I am requesting that the charges be removed and that any finance or other charges related to the fraudulent accounts be deleted immediately. I have never authorized, used or benefited from these accounts or transactions in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXXXXXX XXXX XXXX & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX  & I did not give this company or others permission to run my credit report and I declare this a action of fraud and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX  for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Numbers : XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA.

The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items as soon as possible : 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 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 continuous to report account to EQUIFAX with wrong account numbers also account was included in BK still showing balance owed and past dues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I opened a new account with wells fargo, i was told that I would be receiving a bonus of {$200.00} as an incentive for opening the account. This was not by any means my motive for opening my account. To my surprise less than a month after I opened the checking account a deposit of {$50.00} was put into my account from wells fargo. I didn't know why and found out that it was a portion of my promised bonus. I found that strange and when I inquired about it via telephone no one had heard of them segmenting the amount in this way. So I was told that after a number of days I think 90 days I would receive another {$50.00} but never did. Of course there was criteria that had to be met and as far as I could tell by painstakingly going over my account details I had met their crtiteria. Any way that's my first complaint. Now they took {$10.00} as an account fee because I had only made 8 not 10 transactions during a period of a month, well I was about to make my 9th and 10th when they froze my card due to some phony activity I've never heard of!! I feel ripped off and lied to, played for a fool.
Product: Credit reporting or other personal consumer reports

I checked my credit report in XX/XX/2023 and found that I had fraudulent accounts reporting on my credit report with all three bureaus XXXX Transunion and XXXX I have sent in all necessary documents to prove my identity as well as an updated identity theft report and still nothing was done to help I did request that the fraudulent information reporting on my credit file be blocked and deleted I also called to rectify the situation and nothing was done. I mailed all the bureaus the information needed twice once through priority mail and just reciently through certified mail and nothing was done. I stated every account that should be removed as well as every address that is not associated with me be removed. I am actively in the XXXX I am asking for your help and support in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

this debt collecter engaged in abusive deceptive and unfair practices of the FDCPA which it prohibits.they furnished this account that we didnt agree upon and i didnt sign agreement on XXXX contract is signed by two parties and i did not particioate in any of ti.More so they didnt follow the proper 5 step validationprocedure which makes this unfair practices.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with XXXX parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
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 XXXX out of XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

First progress reported this account closed XX/XX/2018. Yet first progress is reporting payment history on top of that every month As a chargeoff. This is a violation!!! Fcra indicates that information must report with accuracy and this is accurate? My score has been drastically affected
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I purchased some floor tiles from XXXX XXXX XXXX. To make this purchase I opened a new XXXX XXXX XXXX XXXXredit account which is actually a credit account thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXXXXXX. I waited three months for a reply from XXXX XXXX only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXX XXXX XXXX I provided XXXX XXXX all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically.

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing.

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies.

Thank You in advance for any help you can provide me. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a car crash in XXXX where my car was totaled and the gap insurance paid off car which has left a balance on car of XXXX plus dollars. And it is still showing open with a late payment for XXXX years consecutively. I have made several attempts to pay debt but also asking the creditor to remove late payments they are refusing which is very disheartening. Because this is crushing my credit worthiness and affecting my life from moving forward. I am willing to pay amount in full but I have been trying to work with XXXX XXXX and they are making it very difficult for me. According to 15 USC 1666 B timing of payments a creditor should not treat a payment under a open ended consumer credit plan as late for any purpose. unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required.
Product: Vehicle loan or lease

In XXXX we managed the refinancing of our vehicle, which was carried out without problem. The fact is that to date the credit bureau reflects as a balance owed twice the amount actually owed, thus doubling our debit balance, which is undoubtedly affecting us, since we are obtaining for the purchase of our home. We are urged that the credit bureau reflect the reality of the debt. We contacted Capital Chrysler who gave us the settlement and agreed to send it, but days go by and my score is not updated, which is affecting my conditions and financial viability for the credit we are looking for. I appreciate your help and attention
Product: Credit card

Dear cfpb This is a complaint about the bad behavior of wells Fargo bank using tactics to not deal with customer disputes. 

Because I have had XXXX such experiences last year, this disgusting bank will delay time, push the responsibility to the customer for not providing evidence, until the case expires and gets away with it, they will change back from the merchant, and then tell the customer that this dispute failed because you did not provide evidence, thus embezzling these funds. 

Wells Fargo bank opening fake accounts, manipulating mortgage loans, charging unjust fees, and other illegal activities. 

This time I encountered the same problem, raised a dispute again, after XXXX months of no reply, I called to inquire today, the customer service actually asked me you did not provide evidence, please tell us the information. They are going to use the same means to embezzle the funds of customers and merchants. 

I hope the authorities intervene and give a severe crackdown. 

XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Paypal advertised to me a {$5.00} reward for downloading a paypal app for a smartphone. 

Paypal had promised me to add {$5.00} to my account within a week if I download the PayPal application for my phone and log into my account using the application. The terms and conditions of the offer are attached. 

As of today, XX/XX/XXXX, 13 days after PayPal had promised to deliver me {$5.00} within a week, I have not received {$5.00} from PayPal. 

PayPal is engaged in misleading advertisement practices and does not fulfill its promises.