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

Uplift , Inc. Reported late payments on my consumer report after having a phone conversation with the company in regards to The Coronavirus Aid Relief, and Economic Security Act, passed by Congress and signed into law on XX/XX/year> which contains explicitly addressing the FCRA, as XXXX XXXX previously reported. Section 4021 of the CARES ACT amends Section 623 ( a ) ( 1 ) of the FCRA ( 5 U.S.C. 1681 S-2 ( A ) ( 1 ), Violation of 15 USC 1662 ( 2 ), VIOLATION 15 USC 1635 LACK OF RIGHT OF RESCISSION, violation 15 USC 1681a , violation 15 USC 1692e , The False claims act, 31 USC 3729-3733 , FAIR DEBT CREDIT ACT LAW 111-203, title X, 124 Stat. 2092. Delete LATE PAYMENTS AND UPDATE TO PAID AS AGREED
Product: Debt collection

Account was deleted and then Midland Credit re-inserted and changed the date of last activity to re-age the account. I was never notified
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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX XXXX XXXX Account Name : XXXX Account Number : 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 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 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 BANK XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed out a letter for inquires to be removed. I was told by Equifax XXXX XXXX XXXX XXXX XXXX that the inquires could not be removed because they were verified as accurate. I advised him that they were not VALIDATED and should be removed. XXXX refuse to do it stating that for him to remove the inquiries he will need a police report or a report from the federal trade commission. I then asked to speak with his XXXX. XXXX XXXX, XXXX XXXX XXXX stated confirmed that he could not remove the inquires without a police report because it is their policy. I asked him to email or mail me that policy and he stated that he can not do that. I then asked to speak with his XXXX. XXXX XXXX, XXXX XXXX XXXX stated that Equifax does not investigate inquires unless it is considered fraud, other than that it is consider accurate unless the creditors remove it. I told XXXX that I will be filing a complaint with the CFPB because I know for a FACT that the information, she is telling me is incorrect. I told her that, all inquiries should be investigated and validated before being considered accurate. She then kept saying that it is Equifax policy to investigate and validate ONLY fraudulent inquiries and she said for them to be removed a police report or a federal trade commission report should be submitted then and ONLY they will be removed. I knew then they were a bunch of LIARS! I told her that if this the police then why were some of the other inquires removed at the time, I made the phone call back in XXXX. She then said once the inquiries have been removed, they can no longer see them so she can not verify that. I said so you can't read the past notes on the account she said no. Then I asked for corporate of Equifax number and XXXX said that she can not give corporates information and that I would have to look it up. 


Equifax NEEDS to provide PROOF of documentation showing the inquires on my account are Validated NOT Verified. That Should include providing proof of contract between me and the original creditor stating that I authorized them permission to run my credit. Without proof of a signed contract by me to the furnishers the following inquiries should be removed ASAP from my credit report! Once again these inquires have no permissible use
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX, ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Chase bank charged overdraft fee my personal checking account. 

XX/XX/2023 OVERDRAFT FEE FOR A {$38.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA IT IS A VIOLATION TO HAVE ITEMS ON YOUR CREDIT REPORT THAT IS INACCURATE Ive tried over and over to removed addresses that is not associated with me and XXXX, XXXX and transunion has yet to remove these addresses i will sue the credit bureaus my lawyer will be contacting. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have derogatory { collection account } on my credit report from a collection agency. 
The debt they are trying to collect has been paid to the originating debtor prior to the collection account printed on my credit report. The collection account states XXXX  balance.
Product: Credit card or prepaid card

Sears sent me a letter on XXXX XXXX, XXXX stating that my existing Sears credit card would be " upgraded '' to a new Sears Mastercard issued by Citibank unless I contacted Sears to declince the offer. I think it is underhanded and an unethical approach because the onus is on the customer to decline the new credit card. I think there is a great possibility for customers to miss the decline date, misunderstand that they need to decline the offer or perhaps not even receive the letter through no fault of their own and then be saddled with a credit card that the customer did not request. In my opinion this approach is just short of what credit card companies have done in the past when they sent credit cards in mail without customer knowledge or acceptance. This tactic may be legal but the potential for issues to be created for the customer are significant and therefore I think that Sears should not be allowed to issue their credit cards in this manner. I declined per the instructions in the letter plus I sent Sears a letter informing them of my profound disappointment plus I felt it was important enough to bring this to light outside of their company and that is why I submitted this complaint.
Product: Checking or savings account

I first found out that a fraudulent checking account was successfully made in Bank of America on XXXX. I was notified via email that the account was approved from a bona fide bank of america email address. The name of the account was Bank of America Advantage SafeBalance Banking. I called the bank to have the account shut down and create a fraud alert. I then froze my credit at all three credit bureaus XXXX XXXX, XXXX, and XXXX ) and called XXXX to create a fraud alert. Two days later, on XXXX, I again got an email saying that a checking account had been approved in my name. The name of the account was Bank of America Advantage SafeBalance Banking. I called the bank again to create a fraud alert and have it shut down. I asked the agent how this happened again if I put so a fraud alert at Bank of America, notified the three credit bureaus and also put a fraud alert on at XXXX. The agent 's response was that Bank of America only does soft background checks before approving accounts. She said since the person doing this fraud had my personal information, there was nothing Bank of America could do to guarantee this doesn't happen again. I also placed a checking a security freeze on my file via XXXX on XXXX.
Product: Debt collection

I have yet to receive anything on this debt when I logged into my XXXX.com account and see a collection for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. Was also XXXX XXXX, never has been XXXX or XXXX XXXX, I have never lived in XXXX XXXX XXXX XXXX XXXX MD XXXX i already report this many times, not sure what else it is under this persons name in my credit and no Idea Why it is in my credit, does she has my social? I beed this out of my credit report, this is like my 5th email and also sent two letters to remove that persons name out of my credit! 
And also XXXX is not my employer, it is XXXX XXXX for the last almost XXXX years
Product: Mortgage

My wife attempted to purchase a vehicle and was denied by XXXX banks. The XXXX bank was a walk in visit. During the visit my wife was told that the reason I am getting denied is do to Wells Fargo reporting me as a paying only part ( partial payment ) of my mortgage. I have never paid a partial mortgage and coincidentally, Wells Fargo controls the drafting of my account for the payments. I then had to purchase the vehicle with a higher interest rate do to the lowered credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested before that XXXXdept. of ed. to stop furnishing information about a student loan to my consumer report. I am demanding that they stop reporting to my consumer report/ credit file immediately. Nelnet stated in a responds to me that, " we are also REQUIRED to report the loan status and balance to the national consumer reporting agencies ''. Please show me where in the ( fdcpa ), ( fcra ) OR FEDERAL LAW that states that you are mandated to report to the consumer reporting agency. Please send me PROOF. I requested this information before and you claim according to student aid/dept of edu that they require for you to report according to your contract with them. Since when company policy overrides the Law? That mean you and those companies are violating law. According to LAW 3.1.1 CFPB, it states that reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been.

Then you stated. " Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. '' This statement is true but you need to be more specific about this statement. This statement claims in layman 's terms, IF any furnisher reports to the CRA 's it has to report accurate information, but no where does it says that furnisher 's are obligated to report. In addition, according to the FCRA, I have never given written instructions or permission to report to my consumer report/credit file. please send me proof that I gave written instruction. But I am giving written instruction to remove this from my credit file IMMEDIATELY. I am sending out an affidavit of truth to the email, through cfpb and via mail.
Product: Credit reporting or other personal consumer reports

The following accounts listed and showing on my Experian, XXXX and XXXX XXXX credit report, was paid in full and as agreed on, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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

An account was fraudulently opened in my name and SSN with XXXX XXXX XXXX XXXX I did not apply for this credit. I reported to the company and they reported to the credit bureaus but TansUnion refused to remove it. I submitted a dispute directly with TransUnion and they apparently verified the account was accurate. Which is impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continued to violate my consumer rights and slso bypass and disregard all ruele and regulations and procedures. I continue to reports to the CFPB and show my proven records of this company that ignored the law. Something seriously need to get done and i feel as a consumer I am constantly being lied to and tried any kind of way alll because of what this compay continue to report on my credit file even when i dispute items they pick and choice what items they want to dispute or remove. The items they say that i have previous disputed will not be disputed or removed because the creditor has verified that the information is correct but i continue to show proof to what the bureause are saying are lies. I continue to show updated credit reports to were the bureaus say they verified accounts but the account are still the same with no updated but just heresay so i want get the account removed. I have sent lettrs explaing the metro 2 law, 15 USC 1861 law and still the bureause dont do anything but say they are reporting correct information. So I have continue to upload documents to what i have sent and then the corresponse I get from the bureau.I got information to show proof of different bureaus removing accounts off my credit but Experian continue to lie and say they verified the account and I ask them like who verifid what?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX  XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting

The credit bureau will not perform a proper investigation nor will they delete inaccurate personal information from my credit reports after all documentation has been sent to them. The courts verified with me via the phone that the liens and the judgments are not verified with the credit bureaus. According to the Fair Credit Reporting Act Section 611 part B subsection iii, they are supposed to verify with the source of the information which they are providing me but apparently that is not what is going on. 

I asked for the following : 1. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
2 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
3. What certified documents were reviewed to conclude your investigation? 
4. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
5. What did it cost your company to obtain the documents needed to complete your investigation? 
6. Please provide proof of your timely procurement of certified documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was. In a data breach and multiple accounts were opened in my name I have disputed these accounts and they are still not taking it off my credit
Product: Debt collection

I have had this debt collector on my credit report for 3 years and 9 months now. I have never even received a written letter or call about this debt. I don't recall ever owning anything to this company. On my credit report, it doesn't even give a number for this collection agency that supposedly has my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute and complaint with TransUnion regarding the collection account on my credit report. They sent me a response stating that it was a frivolous dispute and that they believe that I received services and/or merchandise from the company. First off this is a fraudulent account that XXXX XXXX had already removed and then they sold it to a collection agency. This account is being reported by multiple collection agencies with different amounts. This is fraudulent within itself. They are required by the FCRA to dispute and/or block any and all items deemed as fraud as long as I have provided an Identity Theft Affidavit and/or Police Report and verified my identity. I have sent all of those documents and more. I have mailed out something certified to them as well because if this account isn't removed, I will sue and I have already retained an attorney.
Product: Debt collection

In XX/XX/2021, I disputed with Wakefield and Associates to remove me from their collection process. They deleted the negative accounts from XXXX but have not removed them from XXXX and XXXX. I asked for them to remove me from ALL CREDIT BUREAUS XXXX, XXXX and XXXX. As allowed under the Fair Debt Collection Practices Act ( FDCPA ). This could be a violation of Federal and State Law.
Product: Debt collection

Portfolio Recovery Associates accepted payment to close the account but continue to report inaccurate information to all XXXX credit bureaus. Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus after accepting and depositing a check as final payment. I have disputed this account by providing the original letter and cashed check as paid in full however they ( Portfolio ) continue to report to the credit bureaus as a balance. Portfolio Recovery has stopped all attempts to communicate after check was cleared. This account is further negatively affecting my credit report and score due to this company 's false reporting.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXXXX/XX/XXXX - Transunion, XXXX - XX/XX/XXXX - Equifax, XXXXXXXX XXXX - XX/XX/XXXX - Experian.