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

Reached out to the company on XX/XX/23 to dispute 12 unauthorized inquiries on my credit report. Within a few hours the dispute was complete and the company stated the inquiries were factual. When calling the company to see what information they used to investigate or verify the inquiries they could not provide me with the information requested. Stated according to the FCRA those unauthorized inquiries must be removed and I was ignored. The company did not complete a thorough investigation of my dispute.
Product: Debt collection

On XXXX XXXX, XX/XX/2015, I received a demand letter for {$460.00} regarding a collection debt from EOS CCA. 

I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX has violated my rights. Or a 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 an 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 or 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: Credit card or prepaid card

Last contact made with Barclays Bank about them closing my Credit Card without my knowledge that had been open since XXXX was XXXX. They said I would be contacted within 24-48 hours. I cant even begin to explain how frustrating it is to see your Credit be destroyed all because the right hand doesnt know what the left hand is doing. On XX/XX/XXXX a letter was sent stating that my account in question was being closed due to fraud ( this was the second/third ) time a new card was issued for the Same fraud claim. On XX/XX/XXXX a letter was sent stating that my account was closed due to non-payment. 2 days later Really!!! I hadnt even gotten the New replacement card. Completely unacceptable. They stated that the card was closed due to non-payment but the card was in Fraud investigation since XX/XX/XXXX.
Product: Student loan

The below is a copy of a letter I sent to my loan servicer more than XXXX years ago. It best describes what has happened to me. If you want the supporting documentation, let me know. 

* * * * * * * * * * * * * * * * * XXXX XXXX, XXXX VIA FAX : ( XXXX ) XXXX XXXX Fedloan Servicing XXXX : Review for Payment Tracking, Acct : XXXX To Whom It XXXX Concern : I am writing this letter to advocate that the following XXXX payments I made be counted toward loan forgiveness. 


XXXX through XXXX, XXXX XXXX XXXX payments ) These XXXX payments are not being counted, I am told, because I was on a plan that was not a qualifying plan. Though that appears to be the case, XXXX is well aware that there are thousands of us in this position : We applied for the XXXX XXXX XXXX XXXX XXXX XXXX, and were mistakenly put on a non-qualifying plan by our ( now-defunct ) servicer, unbeknownst to us. I expressed this in detail in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. 

I have attached as documentation : An e-mail chain between me and XXXX XXXX, the Associate XXXX of my law schools XXXX XXXX XXXX, demonstrating that I knew what I was supposed to do and was acting on the correct advice ; and The original Master Promissory Note MPN I signed and filed on XXXX XXXX, XXXX, establishing Income Contingent repayment on my student loans. It bears a confirmation code as follows ; XXXX. 

As XXXX is aware, this is a widespread problem. XXXX, XXXX. : http : XXXX XXXX and XXXX, XXXX ( XXXX payments ) I was just informed via telephone that my XXXX and XXXX XXXX payments are not being counted. I am contesting that with the attached documentation. Until XXXX XXXX, I made my payments online at https : //www.dl.ed.gov/borrower/BorrowerLogin.jsp, which at some point ( but not for very long ) changed to XXXX. 






On XXXX XXXX, XXXX, I received a notice in the mail from XXXX, informing me that they would be taking on the role as my new loan servicer. When I called XXXX, however, they were not yet set up to take my XXXX XXXX payment. I made payment to the XXXX Department of Education. That check was cashed on XXXX XXXX, XXXX. I made my next payment online on XXXX XXXX, XXXX ; the first payment to XXXX. 

I have attached as documentation : My XXXX XXXX, XXXX, letter to XXXX Department of Education explaining that I needed to make a monthly payment, with Check No. XXXX attached in the amount of {$420.00} My bank statement reflecting that Check XXXX. XXXX was cashed on XXXX XXXX, XXXX, which rendered it a timely qualifying payment. 
Proof of my XXXX XXXX, XXXX, to XXXX, online, with a confirmation number as follows : XXXX. 

Both my XXXX and XXXX XXXX payments should be counted. I expressed this in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. For some reason it was not rectified for reasons unclear to me. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had someone begin phone service in my name fraudulently in Arkansas despite me having never lived in Arkansas and only driven though it. I disputed the account with XXXX  and XXXX  over this. One immediately removed it from my credit report. The other I filed a complaint through your agency and it got removed. 

I didn't realize it was on my Experian report as well until I went and bought a car. I tried to dispute through them as well and they refused to remove it. They told me I needed to file a report with the police in the town where the event occurred. It turns out I need to physically go to Arkansas to file a report, something that is beyond my ability to do both time wise and financially. I explained to Experian and they refused to do anything. 

Thus I am filing a complaint. This is an attempt to have a collection removed from my credit report with Experian that was created due to fraud. 

The report number through Experian is XXXX Please let me know of any more information I need to provide in this matter and I will provide it if I am able. Thank you.
Product: Vehicle loan or lease

On XX/XX/2020, I wrote a letter to America 's Car-Mart asking them to provide proof of legal notices that they were required to send to me after the repossession of a car. I received none of the notices that were required. They responded with a letter dated XX/XX/2020 stating that they had reviewed the account information, however, they were not able to locate the account and asked for identification. I responded with a letter asking them to delete the account that is being reported on my credit reports because they can not find the account on XX/XX/2020. I also sent them a copy of my driver 's license and social security card. On XX/XX/2020, America 's Car Mart responded with a letter basically telling me that they do not validate account information. I was not asking for validation. I asked for proof of legal notices being sent to me since they are reporting a repossession on my credit report.
Product: Debt collection

I am writing this in response to [ no letter/phone call ] I have not received as allowed under the fair Debt collection practice act ( FDCPA ) I am requesting that [ LVNV FUNDING ]. provide verification of this debt. PLEASE SEND THE FOLLOWING INFORMATION : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid l basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payment made since the last billing statement and the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. please only communicate with me in writing please note that withholding any information you received in an attempt to collect a debt complaint is a violation up til {$1000.00} dollars of the FDCPA Because you will be deceiving me after my writing request i request for documents of what you receive from the provider of services in connection with this alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized 2017 data breach of your institution, resulting in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable. 

This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are legally required to act swiftly and decisively to resolve this issue. 

Fraudulent Accounts 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, Balance : {$400.00} These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable. 

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts.

These laws are clear and non-negotiable. I expect immediate action to remove the fraudulent accounts, stop all collection activities, and provide written confirmation of such within the legal timeframe. 

Final Demand for Resolution I would like to remind you that this issue arises directly from your failure to adequately protect consumer data during the 2017 breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the situation. 

Failure to comply with the law and resolve this issue will result in severe consequences. This is a final demand for immediate and complete resolution of the matter. I expect confirmation in writing that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have been immediately ceased. 
Should you fail to take the necessary actions within the specified timeframe, I will have no choice but to escalate this issue through every available legal and regulatory channel, including but not limited to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 

This is your final warning. I expect this matter to be resolved immediately.
Product: Credit reporting or other personal consumer reports

From my understanding of the FCRA XXXX has to do a reasonable investigation of disputed information on my credit report, and they failed to do so. I saw there is a lawsuit against XXXX by CFPB about their practices and that they failed to send consumer-initiated complaints and evidence to the furnishers, and they accepted unreliable responses and failed to appropriately notify consumers of dispute outcomes. I have tried several times to reopen the disputes and resubmit documentation, but I was told that is not an option, which is why the website will not let me resubmit. I just want the companies to report my account history accurately. I am not able to access all of my previous disputes or see the status if they are still open. No help from the company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( XXXX  ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to XXXX, XXXX, TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308
Product: Credit reporting or other personal consumer reports

For several years now a few times a year I get a Notice of Adverse Action via email from XXXX XXXX to a very old email address I do not actively use ( XXXX ) It always has extremely out of date information listed for me. 
Every single time it happens I contact them via the email address they provide in their email and they skirt the blame and say my info was used on a third party site and no loan was given. They refuse to provide me any information about the application like the XXXX address, the device use, or even the name of the third party lead generation company yet they claim they want to help me. 
They also promise they will block my info and never contact me again, yet like clock work a few months later I get another Notice of Adverse Action and have to spend my time dealing with their continued fraud. 
To be clear I have NEVER applied for any loan like this, in fact through my consulting firm I advise leading companies like XXXX XXXX and in fact their investors have probably used my service in the past. I have also never used any lead generation credit company for any kind of credit application and in fact I have not applied for any form of credit in well over 5 years. 
Their harassing of me needs to stop. I find it amusing that they claim they can not block my information. If they can not perform that basic task then there is no way they comply with dozens of federal and state regulations. Simply through XXXX  they owe me well over $ XXXX and I will be pursuing a complaint regarding that with the FTC. 
It is time they are punished for their violations. XXXX seems to be an easy one. If they contact me and send me a check for {$5000.00} I will not engage an attorney and seek a XXXX figure settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I tried to access my Transunion account to temporarily remove a freeze as I'm trying to purchase a vehicle. However, my password wouldn't work. I then tried to reset my password and was told to call their customer service number. That day I called them and also messaged them on XXXX at least 5 times, and it was never resolved. They would reset my password and say that I would receive an email. I would get the email but their temporary password would never work or it would work, I would log in, but the website would let me in, but I couldn't unfreeze my account. It would log me out. The customer service rep said that there would be maintenance done on my account and to wait 5 days and a supervisor would call me. No one called. On XX/XX/2022, I tried again to remove the freeze and couldn't get on my account. I spoke to 3 different reps and was told 3 different answers. I was able to get into my account again, but then it logged me out and didn't allow me to get in again. I asked them to unfreeze it and they said they couldn't. They said there was an error on my account for mismatched information. I have the credit report they sent me a month ago, and everything on there is correct. So I don't know what mismatched information they have and they couldn't tell me. One rep gave me a Case # of XXXX and told me someone would call me back in 5 minutes. 90 minutes later, I called them back because I got no phone call. They told me it would be 3 days, not 5 minutes. Once again, I have an appointment with the dealership and can't go because Transunion refuses to fix my account. I can get on XXXX XXXX and see my report, I can get on MyFico and see my Transunion report as well, and there are no errors, my information is correct. However, Transunion, the company, says my report has errors and won't let me unfreeze it. I'm beyond frustrated and tired of getting the run around from them. Denying me access to my account can't be legal. Waiting almost a month to gain access can't be legal either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states they will provide a free credit report weekly during the pandemic. 
They are not doing that for me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have informed this debt collector, AutoTrakk, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. I have received a return receipt that was signed by one of their employees notifying me that they have in fact received this letter. Please see attached. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that AutoTrakk removes this unvalidated and inaccurate alleged account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with Experian, I have spoken with XXXX and I have spoken to XXXX, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be.

Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies 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 the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference number : XXXX Record type : Bankruptcy XXXX XXXX XXXXt
Product: Credit reporting

I disputed XXXX chapter bankruptcies on my credit report thru Equifax starting XX/XX/XXXX I have done the inline disputes as well as the disputes via USPS. Each time Equifax continues to verify these and other things on my report without proof. I recieved notifications from equifax stating to call or mail The BK court here in Massachusetts on XXXX XXXX then 2 weeks later at anothr address at XXXX in XXXX, ma. I called the BK court and asked the clerk about Validation and Verification with the Credit bureaus. The clerk told me that they do not report, inform, validate or verify anything to credit bureaus or any other outside enitities. If that is the case then how are they verfifying this information. They also violated the FCRA by not adding the term consumer disputes on my credit report, i have proof of these things. Equifax also continues to validate and verifyother account and inquiries on my credit report that are lowering my credit rating, things that should n't be there as well. I have sent many letters to them, and have called, theyre very unprofessional and semi corrupt in the way they do business.