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

XXXX Equifax and XXXX continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} XXXX XXXX is reporting as if they wrote off {$1300.00} when they only wrote off {$800.00} XXXX  is reporting they wrote off over {$4000.00} when they only wrote off XXXX XXXX XXXX XXXX is reporting they wrote off {$3300.00} when they only wrong off under {$1700.00} XXXX XXXX  is reporting they wrote off {$4400.00} when they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.
Product: Credit card

I have XXXX US Bank XXXX XXXX XXXX ( Business and Personal ) between myself and my girlfriend. We paid annual fees for each card this year under the assumption that the current reward of " XXXX free night hotel when booked with points '' would remain active for the remainder of the year for which we paid the annual fee. US Bank is changing this effective XXXX XXXX, 2015 and removing this benefit. This is a deceptive bait and switch tactic, and we are no longer getting the value we paid for in the annual fee.
Product: Credit card or prepaid card

I got one promotion from Discover/XXXX  that if I make my discover credit card as default card for payments -I will get {$10.00} as cash back. Pre conditions - I need to make one such purchase from XXXX using discover credit card. 
Unfortunately neither discover credit card nor XXXX is helping me out.
Product: Credit card or prepaid card

purchase an item using XXXX/Goldman Sachs XXXX XXXX XXXX XXXX XXXX returned because it was defective charges continue after several calls to XXXX XXXX and Goldman Sachs XXXX
Product: Debt collection

My ex husband forged my name and used my social security number and took out credit cards in my name starting from XXXX. He maxed out every credit card to {$35000.00}. He ruined my credit and Im just trying to raise my XXXX kids without any help and he doesnt have to pay for anything or take any action about it. Every credit card company has told me its all fair because its my name on the cards. I have a divorce judgement that says he is responsible for all of the credit card debt totaling {$35000.00}. Im just trying to move on with my kids and do right in society. I have always paid my bills on time. Im begging someone to help me with this matter. Its not fair. 

Thank you
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX ) XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX ) XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, TRANSUNION XXXX ) XXXX XXXX XX/XX/XXXX TRANSUNION XXXX ) XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION
Product: Money transfer, virtual currency, or money service

I was scammed by a person who said they would move into the apartment. They sent in a fraudulent check of XXXX and asked to be sent XXXX which was excess of the security deposit as a moving fee. I got a money order from TD bank ( XXXX ) And deposited to said persons account at XXXX XXXX on Friday XX/XX/XXXX. The original check has now bounced ( placing my TD bank account in negative ) and I am trying to get the sent money back and the criminal persecuted. 
The bank account the lost funds ( {$1600.00} ) were placed into was : XXXX XXXX Routing : XXXX Account Number : XXXX Swift code : XXXX I have all the receipts to support this. The money deposit transaction number into the scammers account was : # XXXX XXXX at XXXXXXXX XX/XX/10 at XXXX XXXX branch # XXXX XXXX XXXX XXXX , CT My bank ( TD ) has refused to cancel the money order and XXXX XXXX have not been helpful as well I have opened a case with the XXXX XXXX Police ( case number XXXX XXXX )
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.
Product: Credit reporting or other personal consumer reports

This is making me worry a lot, can't help but noticed this inquiry on my credit report which I do not recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened because I did not apply for this.
Product: Debt collection

There is an account on my credit report that is reporting in error. I have disputed this information with the credit agencies XXXX times now and the creditor keeps telling them that the account is valid and therefore is still reporting on all of my credit reports. The creditor is reporting to XXXX credit agency that the last date of activity is XXXX/XXXX/XXXX which is completely inaccurate since I have had no dealings with them ever. Then they are reporting to another agency that I made a payment to them in XXXX which is completely false because I never paid them anything and that they account was opened in XXXX which is also inaccurate since I know this account is well over XXXX years old. I know that by law they have to remove items that are over XXXX years old and I 'm not sure why they keep falsely reporting this debt on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as XXXX, Experian, and XXXX. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have contacted Transunion and XXXX  with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here are the following items items which do not belong to me or were opened without my permission. 
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 XXXXXXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; 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: Debt collection

I was robbed and XXXX  I have attached a police report and would like the addressee and address to name in a lawsuit with all parties involved. 
Thanks for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX ,  XXXX , Experian.  Reporting  that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
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. 

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 has violated my rights. Or list of inquiries 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 crime
s 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

I owe XXXX School of XXXX XXXX {$2700.00}. The collection agency, Partners Financial Services Inc. of XXXX, they have chosen to partner with is charging me {$2300.00} ( almost XXXX ) simply for it being in collections. They have clearly stated that the charge is 0 % interest. I have been a student since I left XXXX School and could n't pay them the amount due. I was never notified that I was going to be charged such a large amount or that it was going into collections. I believe Partners Financial Services Inc. is charging me for the amount XXXX owes them for collections and is putting it in my account. I do not feel as though I owe Partners Financial Services Inc {$2300.00}. This collections agency is charging me unreasonably and unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a phone call from a Manager at Safco he advised me that my loan was behind for XX/XX/XXXX and XX/XX/XXXX. Advised I could make payment on XXXX XXXX he advised me he couldn't wait. I asked why and he had no response. He asked me if I had possession of the vehicle and I advised him no the car was In the Repair shop due to a legal issue that I was having with XXXX XXXX. He asked do I have to pay for the repairs and I advised no, he advised me he was going to call and verify the repairs don't have to be paid for and give me a call back. I never got a call back nor did he call the dealership to verify work on car instead he send someone to pick up my car and called me about 4 days later telling me I need to pay $ {$1500.00} within 10 days to get the car back. Very Unprofessional!! I recently found out that My credit is reporting 30days for XX/XX/XXXX and 90 days for XX/XX/XXXX ( incorrect ). Safco advised me that they placed a repossession on my credit for the month of XX/XX/XXXX, I don't understand why you took my car in the first place and report a repossession when you had the car for less than 5 days in your possession, in order to remove the 90 days on my credit report the R listed for XX/XX/XXXX have to be remove. Safco refunded me all the fees I paid for my repossession in XX/XX/XXXX due to my XXXX comlplaint. They refuse to remove The Repossession, They are very unprofessional, I speak with XXXX the manager everytime I call and she has no patience to the point where she just want to hang up the phone, her only response is we report accurate information. I asked her why is my credit showing 90 days when at no point was my account 90 days, she advised me it was. That's incorrect at no point it was. I asked how do you report a repo on a customer credit when you had the car for roughly 5 days and the way your company did it was unprofessional. She got snotty and said dispute it with the credit bureau but I don't get anywhere because they go back to the lender. My car was repo in XX/XX/XXXX and the repossession was reported on my credit in the year XX/XX/XXXX. I recommend everyone stay AWAY FROM SAFCO! I will do everything in my power to get this issue resolve If we cant come to a agreement I will see them in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled an inquiry on my credit report on XX/XX/2020 from Experian. I requested a copy of that report pulled by XXXX XXXX and they were not able to provide that exact copy. 

I've requested these copies directly from XXXX XXXX and directly from Experian and have not provided me the documents to review my report. 

I requested a copy for the following dates : XX/XX/2020 and XX/XX/2020.
Product: Debt collection

I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that ARS sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX : XX/XX/year> ] [ XXXX : XXXX ] [ Equifax XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX GA XXXX ] Subject : Dispute of Late Payments on Account - Demand for Late Payment Deletion To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for XXXX XXXX XXXX XXXX account number XXXX XXXX ]. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I request immediate investigation and verification of the accuracy and legality of the reported information. Grounds for My Dispute : 1. 15 U.S.C. 1681 ( a ) ( 2 ) : The term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. Any reported payment history must comply strictly with the legal definitions provided by this section. 2. 15 U.S.C. 1666b : A creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each periodic statement, including the information required under 15 U.S.C. 1637 ( b ), is mailed or delivered at least 21 days before the payment due date. I demand proof, such as a tracking number or proof of delivery, showing that such notice was mailed or delivered to me in compliance with this statute. Additionally, provide a copy of the notice itself. 3. 15 U.S.C. 1681e ( b ) : The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information in credit reports. In the absence of evidence verifying the accuracy of this late payment report, it must be deleted immediately to comply with the law.
Product: Credit reporting or other personal consumer reports

It is the purpose of the FCRA to require that XXXX XXXX XXXX Experian to adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
This statement is an excerpt directly from the FCRA. However, Experian employs unreasonable procedures in which Experian has lied and avoided conducting legal investigations to validate the information reported on my consumer report. Constantly reporting any items that are sold to your agency without proper validation of the debt or proof of ever conducting a lawful investigation pursuant to 15 USC 1681a ( e ) is a violation. 15 USC 1681a ( e ) states that an investigative 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, FRIEND, 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 information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian failed to conduct a lawful investigation pursuant to the FCRA by conducting the personal interviews necessary for validating debt. I requested once again valid proof of your investigative results, over XXXX days ago and have yet to receive a response from your XXXX XXXX. I suspect that no verifiable investigation has ever been conducted. Not only did Experian state they conducted an investigation using reasonable procedures they also deleted the disputed accounts ( XXXX XXXX of XXXX Accounts ) then reinserted them months later and never provided the Consumer any proper notice or explanation of the investigation with documentary evidence of the investigation and its results, as requested by the Consumer. Experian also continues to share consumers information and Consumer report to non affiliate companies, with no permissible purpose and no written permission from the Consumer. Consumer opted out of promotional use of its Consumer report. Consumer has documented Experian sharing her information to over XXXX non authorized or affiliates companies. This is a direct violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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, credit repair services, or other personal consumer reports

SSN Tracker Alert Associated Address Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Date reported to Experian no such address anywhere in the county