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

Equifax released my information without my consent to a 3rd party on XX/XX/XXXX and did not divulge to me that it was given out until early XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX  XXXX Account XXXX : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. I am confused as to why they are reporting the account balance as {$1500.00} when the high credit limit was {$1200.00}. I have sent two complaints XXXX and XXXX. The complaints that not only sent inaccurate information ( which violates the FDCPA ) but also exposed another consumers personal identifiable information by XXXX XXXX, Supervisor Complaint Management and Quality Assurance, at XXXX or XXXX. XXXX XXXX is the data furnishers of this account therefore they are responsible for information that is reported to the bureaus despite what was said in the attached complaint. Please see attachments. I have also made a complaints with XXXX  andFederal Trade Commission due to the of negligence of this company.
Product: Debt collection

In 2017, I agreed to be XXXX  over my sister 's estate ; I have an XXXX, but the bank I was dealing with ( XXXX XXXX  XXXX said they needed to have my SSN. As time went by, I was/am still waiting for an attorney 's office to release funds, so I did not try to close the account. The estate bank took the last amount that was in the account for fees; charged me for non-payment of extra fees; turned my name and SSN into a collection agency ; and closed the account. I paid ( out of pocket ) the amount that the bank said I owed them, but the bank said this will stay on my record for five ( 5 ) years! Consequently, every time I try to open a bank account, or apply for a credit card or loan, I am denied because of this situation. 

I have tried, unsuccessfully, to get the bank XXXX XXXX XXXX  ) to have this information removed from my name/SSN. I called the Social Security Office, explained the situation and asked if they could help me, since my SSN is involved ; I was told nothing they could do. I recently applied for a credit card and was denied ; information has been put in my credit reporting files. I appreciate anything you do to help me in this situation. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING COMPANYS WILL NOT RECENT MY DISPUTES OF THE ACCOUNTS THAT ARE LISTED ON MY PROFILE I NEVER OPENED THESE ACCOUNTS
Product: Debt collection

Have been called twice a day for the past few months about a debt that I attempted to pay off in XX/XX/XXXX. Payment was returned multiple times by American express and they refused to accept my money for payment and continue harass me by phone and email. Have contacted company and shown proof of thie mistakes multiple times but american express keeps selling off the debt to different company 's that continue to harass me and charge me interest on an account that was closed in XX/XX/XXXX. Everytime I dispute the incorrect debt with the debt collectors american express starts to contact me again saying I owe them even more money. Have reported them before and they stopped contacting me but have resumed contact again.
Product: Credit reporting or other personal consumer reports

The company said the already requested that the 3 bureaus delete the collection
Product: Debt collection

Account stated is not mine as purported by this company JEFFERSON CAPITAL SYST in the amount of {$780.00} with account number of XXXX.
Product: Credit reporting or other personal consumer reports

The inaccuracies and addresses listed on my credit report are non-mailable addresses. I demand to know the source of these addresses. Your inclusion of these addresses violates my rights under the Privacy Act of 1974 and15 U.S. Code 1681 causing me great harm financially and emotionally with obtaining credit resulting in a denial of credit. Recently I was denied access to credit with XXXX XXXX and XXXX XXXX Banking. 

Additionally, the name listed on my credit report is incorrect, further infringing upon my rights under the Privacy Act of 1974 and 15 U.S. Code 1681.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Oportun / Prog, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my XXXX Credit Report on XX/XX/2019. Please remove immediately. 

Oportun/prog Inquiry from XX/XX/2019 Oportun/prog XXXX XXXX, CA XXXX ( XXXX ) XXXX Oportun Inc/ Oportun Inc/ XXXX XXXX , CA XXXX Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Equifax credit report on XXXX XXXX and noticed somethings 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 ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC1581i ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverified information ( A ) In a 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 the of the information form 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. 
and according to 15 USC 1681s-2 they are not supposed to 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. 

XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I get at least 8 calls a month from capio partners asking if they can speak with an unknown person to me. I have told the person on the phone that they have the wrong number and to please stop calling. They apologize and say they will remove my phone number but they will call again in a few days looking for a different name. These calls are always from a XXXX XXXX area code and are sometimes the phone number is different. The caller will not identify their name but they do say they are from capio partners collection agency. They called me twice today from XXXX and I'm sure they will call again in a few days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX A Company who calls themselves XXXX XXXX XXXX was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the XXXX XXXX XXXX without XXXX XXXX. I want these XXXX agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.
Product: Debt collection

This is a debt that was not only my debit but it was dismissed and nothing was owed when we left. I had just turned XXXX when we moved in working a part time job and still in high school my mother was the parental authority and I was still a child living with her now although I understand because I was XXXX and legal age I still had no knowledge of what was going on I was told by the leasing agent that helped us get the home that I was XXXX now and needed to be on the lease. This is a settled debit from my understanding and I also was that this was gone and I did not have this on my credit when I called in to make sure I was able to move into my new apartment by myself in XXXX and had no issues and all of a sudden this is haunting me today I would like to get some help from you please. The debit is in the amount of XXXX the date this was accrued to be a debit was XX/XX/XXXX. I contacted the debit agency and he was incredibly rude and had no proof of anything to provide me and he stated so what you wan na put this all on your mom I have never been talked to like that and there was never any letters or calls from this agency. Can you please help me?
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some collections that I did not approve anyone to pull my report
Product: Credit card or prepaid card

Us Bank is withholding XXXX dollars in my unemployment account. 
Initially they asked for proof of identity, which I uploaded on their website.As of XX/XX/2020 in my last conversation with customer service they say they need my drivers license, social security card, and tax returns faxed to a number I cant validate.I can't get a name from any customer service person or talk to a supervisor.this is very suspicious and I'm not about to just send this important info to a random fax number when I've already sent it via website
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 3. Validate/inaccurate reported late payments. 
XXXX Account XXXX : XXXX Please update late payment, all payment was made on time 4. FDCPA Section 807 Violation Misleading False Reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments report on XXXX XXXX XXXX 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 card or prepaid card

I applied for a mortgage refinance in XX/XX/2020 with a company called XXXX XXXX  XXXX. At the time, XXXX partnered with American Express to offer a {$2500.00} statement credit to anyone who applied through their special link and closed on a home loan or refinance. The terms of the offer stated that the statement credit would show up in the customer 's American Express account XXXX weeks after the loan closed. 

My home mortgage refinance closed on Saturday XX/XX/2020. I patiently waited for my the {$2500.00} statement credit that both companies promised to me but I did inquire several times as to the status of the credit, just to make sure things were on track. At each point in time I was assured I would receive my credit and that it was attached to my account. 

Almost 11 weeks after my refinance closed, I sent an email to XXXX ( on Friday XX/XX/2020 ). I received a response 3 days later, on Monday XX/XX/2020 stating that statement credit that was originally supposed to take XXXX weeks to post would take another XXXX weeks ( total of XXXX weeks, which is after the promised timeframe of the offer ). 

After waiting almost another 2 weeks, I again inquired by email with XXXX on Saturday XX/XX/2020 since it had now been XXXX weeks since my refinance closed. I once again had to wait, this time for 2 days, for a response. The response I received today ( Monday XX/XX/2020 ) from XXXX was that the credit would take an ADDITIONAL XXXX weeks, therefore putting the timeframe in which I receive my credit at XXXX weeks after my loan closed. I had also called American Express and was told the same timeframe ( i.e. each company would not abide by the terms of their joint offer to consumers ). The original terms of the offer were XXXX weeks. That means IF everything is on time this time ( which hasn't been the case so far with these companies ) I will have ended up having to wait XXXX weeks longer than the offer timeframe that I agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. 

I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. 

The creditor has sent absolutely nothing in regards to verifying that the account is accurate.
Product: Credit reporting or other personal consumer reports

A company named XXXX XXXX XXXX send me an offer letter for a loan, I called them XXXX and spoke to a gentlemen who asked me for some information and said there would be a soft inquiry on my credit report, he ready me my options I declined, When we hung up I started getting notifications that I had an inquiry a hard inquiry on my XXXX and that I had applied for a loan with One Main.

One Main called me and I told them that I had not authorized a hard credit pull so I reported to their theft and fraud department, I have sent them the letter they requested but i am requesting that the bureau oversees that this happens quickly ( the removal of the hard inquiry on my account ) as oi plan to apply for a mortgage loan soon. I would also request that the business practices of XXXX XXXX XXXX be looked into. 

thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT : XXXX XXXX  Account Number : XXXX
Product: Prepaid card

On XXXX I purchased a US Bank issued XXXX gift card of {$500.00}. It failed to activate. I was instructed by the representative that I would have to fax in a copy of my receipt. XXXX An aside, fax is 15 years outdated. I do not own a fax machine, nor do I have access to XXXX. I had to settle on using an online service, which is less secure than me emailing it over my https XXXX account. ) I faxed this information in on the same day, XXXX. Today, XXXX I called fully expecting my activation to be complete after 2 business days. The rep told me it could day 10-15 business days! That 's up to 3 weeks! And I have no assurance that my paperwork was even received on their end to be processed, nor do they have a method of contacting me back that it has been activated. 
Their system needs a complete overhaul. It is n't sufficient to meet consumer expectations nor needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number starting with XXXX is reporting on my credit report and this is not my account. I have tried to speak with the credit bureau but they will not show me proof that the account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute through Equifax for XXXX XXXX. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but Equifax seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an Equifax employee that it will stay even longer because I filed a dispute in XXXX.
Product: Credit reporting

I have previously disputed the entry of a tax lien # XXXX from the XXXX XXXX XXXX XXXX Court and have received a confusing response to the investigation of case # XXXX on XXXX XXXX XX/XX/2015. I am again asking that the provided documents be looked at again and that the lien record be removed due to the filing of a null and void of the judgment issued by the Ohio XXXX XXXX XXXX and XXXX XXXX courts. This decision vacating the judgment was due to the lien being filed in error, as indicated in several sources, and public record. I recently tried again to have this corrected by Equifax and it is currently pending under case # XXXX. Both XXXX and XXXX have removed this entry, and I feel that Equifax should also do this and work towards improving their response to these issues as there are a plethora of complaints on the internet about this same issue.