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

I have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is XXXX XXXX -- told by XXXX XXXX that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru experian and have called experian and called experian and they continue to ignore this situation. Experian is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX  XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment AmounXXXX $ 0 Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XXXX XXXX CO XXXX CO XXXX CLS APR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX OK APR OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO Historical Info First XXXX Original CreditorXXXX XXXX   XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I want the following removed XXXX XXXX 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Today, XXXX XXXX, 2016, I contacted Well Fargo Home Mortgage ( my mortgage holder ) and requested to speak with the Loss Mitigation Department. XXXX ( ID : XXXX ) answered the telephone call. I verbally verified all of her requested, information ( i. e. my name ; loan number ; mailing and physical address ; and etc ... ). I then requested, to speak with the Loss Mitigation Department. But, XXXX wanted to know, if I had previously been in Bankruptcy. 
Because her questions ( about a Bankruptcy ) were out of line, I requested to " again '' speak with the Loss Mitigation Department. She ( XXXX ) " again '' refused. I " again '' requested ( via XXXX ), to speak with the Loss Mitigation Department. Again, I was asked ( by XXXX ) if I was going to answer her questions about a Bankruptcy. I then requested, to speak with XXXX 's direct Manager. She refused, then placed me on an extensive telephone HOLD! When she came back to the telephone, she wanted me to release the previously placed, " CEASE AND DESIST '' in order that she may speak to me ( via my telephone call ). I explained to her ( XXXX ), that we had already spoken and I would like to speak with her manager. She " again '' REFUSED, and began giving me ultimatums and making verbal demands. She placed me on another telephone " HOLD '', STILL NO MANAGER! I am attempting, to get assistance with our mortgage ( via Wells Fargo 's Mitigation Department ). I NEVER, spoke with a XXXX during my telephone call. I need the assistance of the CFPB in my " FAILED '' efforts. Sincerely, XXXX XXXX @ XXXX XXXX, 2016.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for an Arhaus credit card which uses Comenity Bank to process their credit card applications ; however, I never received a response regarding my application. Arhaus/Comenity Bank never issued an approval or denial letter for the credit card application. I contacted Comenity Bank on 6 different occasions and was either transferred to departments that were not opened, transferred to lines where no one answered the phone, told to reapply for the credit card, and/or provided my demographic information on more than one occasion to several different people who could not confirm my application status -- basically stating they have no record of me completing a credit card application. I then filed a dispute with XXXX, the credit reporting agency that Comenity Bank used to obtain my credit report since Comenity Bank said they had no record of my applicaiton, only for XXXX to state that the disputed hard inquiry could not be disputed because Arhaus/Comenity bank stated I actually completed the credit application. So, I am requesting a response to my credit card application, indicating that the application was approved or denied. Thank you.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/2023, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX, I contacted XXXXXXXX XXXX  company in regards to the constant late payments reported to my credit while the loan was in forbearance. The length of the forbearance was during COVID-19. When I contacted the company, the representative stated there was a past due amount that would be rolled over and I asked why I wasn't notified of the late payment. I was never provided an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection for XXXX XXXX XXXX being reported to my experian report. Currently even after disputing the information it still shows i have made no payments, remains unpaid and has been on my report for 9 years now which exceeds the 7 year rule by two years. I have contacted XXXX  XXXX and left a voicemail a week from today XX/XX/2019 but still have had no call back. I have disputed this with experian many times with no prevail. For the past many years my check has been garnished for this account plus past due arrears. My report does not reflect these payments nor does it show that i am paying on the past due balance. Never the less being reported 2 years past the 7 year law is taking advantage of my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Debt collection

I 'm writing to you because this company reported me to a collection agency without my knowledge. Once I found out about the collection account I pay the collection account in full to diversified with the understanding that it will be removed because it never should have been there in the first place. So at this point on XXXX XXXX I reached out to XXXX XXXX XXXX on behalf of reporting me to diversified. So I reached out to XXXX and I spoke with a manager by the name of XXXX she told me she reached out to diversified and inform them that this account was no longer in on the right meaning no longer in collection, she also stated in XXXX days that it should be removed from my credit report once again. I reached out to diversify to figure out why would they still reporting on my credit report I spoke to a gentleman by the name of XXXX he ensured me in a couple days that it will be removed no longer my credit report. To my disbelief it still there. So then I reached out to XXXX again on XXXX XXXX and I spoke with a representative by the name of XXXX who worked under XXXX who took my account out of underwrite. She did n't reach out to diversified on XXXX way with me on that day trying to get to the bottom of the removal. So now today is XXXX XXXX I 'll reach out to diversify XXXX times after speaking to XXXX XXXX XXXX with him on the phone. Now at this point diversified is being very rude and I 'm over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXThis is not a duplicate complaint*********** On XXXX I sent a certified letter to XXXX, enclosed was a Notarized Affidavit of Truth and my request for Method of Verification of debt. XXXX responded with a copy of XXXX XXXX XXXX. They never rebutted my affidavit, nor did they provide me with the XXXX of XXXX. In my affidavit I stated that Im a natural person and the original creditor. See attached Theyve never rebutted my affidavit of truth that stated Im the original creditor nor responded to my request of XXXX of XXXX. Theyve only responded with a copy of the promissory Note. They did not provide the XXXX contents of Validation of debt per 15 U.S. Code 1692g ( a ), specifically the name and address of the ORIGINAL CREDITOR, if different from the current creditor. Notice, it is a fact, an UNREBUTTED AFFIDAVIT STANDS AS TRUTH - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Notice, it is a fact, I, the affiant, is the consumer and original creditor, this alleged debt is not Valid. Notice, it is a fact, I, the affiant, is a consumer and a natural person in accordance with 15 U.S. Code 1692a ( 3 ) Notice, it is a fact, pursuant to 15 U.S. Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 5 ), a debt is any obligation or alleged obligation. Notice, it is a fact, nothing within the subsection of 15 U.S. Code 1692g ( a ), validates a debt. This section of the FDCPA simply states a requirement of the debt collector to deliver, to I the consumer and affiant, in the process of validating a debt. No debt has been validated, and I have never admitted any liability of this alleged debt in the past and I do not claim liability now. No proof of claim can be validated without the requested information in the affidavit herein is provided to the affiant.
Product: Credit reporting, credit repair services, or other personal consumer reports

i 've been trying to cancel my membership with Experian credit report but not only it is not possible online and the only way is by phone, i called several times customer service including today XXXX2018 but when i mention that is about canceling my account they transfer my calls 3 or 5 times and then put me on hold for more than an hour and then they disconnect the call, meanwhile they keep charging my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud : XXXX XXXX XXXX Fraud : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX Fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Did not inquire this company : Fraud XXXX BRANCH VIA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX Permissible Purpose : CREDIT TRANSACTION
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  and 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, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GM FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquires on my Eqifax account on XX/XX/2023. I received a response XX/XX/2023. This information isn't correct, and I would like for it to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Midland Credit Management is reporting to the credit bureaus that I have 4 accounts with them in which I don't. I do not have an obligation to pay this company anything because there was no notice sent to me from the original creditors saying that this account was sold. Furthermore, they are reporting duplicate accounts with the same account number, but different balances. How is this accurate? The only balance that I've had was with the original creditor XXXX XXXX  FOR {$660.00} and XXXXXXXX XXXX for {$1200.00}, so why are there 2 other accounts reporting? I am under the impression that my information was compromised being that I was involved in a data breach in XXXX which I will attach my claim to this complaint. If you can not prove that I owe the alleged debt, provide a copy of my id and ssc, original contract bearing my signature, license to collect debt in the state of Texas, and explanation as to why there are 2 accounts reporting for account number XXXX and 2 accounts reporting for account number XXXX then remove these account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau Subject : XXXX 's Erroneous Reporting and FCRA Violations Dear Sir/Madam, I am writing to bring a grave matter to your attention regarding the credit reporting practices of XXXX, a creditor with whom I have had an account. Despite notifying XXXX twice through each credit bureau about the erroneous information they have reported on my credit file, they have continuously failed to rectify the issue. 

Exhibit A : FCRA Violations by XXXX Violation 1 : Failure to Provide Disclosures XXXX did not provide any disclosures before reporting my credit information, as required by the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 2 ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}. 

Violation 2 : Lack of Opt-Out Options XXXX neglected to provide me with any opt-out options, contravening FCRA, Section 609 ( e ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}. 

Violation 3 : Absence of Privacy Disclosures XXXX failed to furnish any privacy disclosures as mandated by FCRA, Section 609 ( a ) ( 1 ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}.

Violation 4 : Inaccurate Reporting XXXX continued to report erroneous information despite being informed of the inaccuracies twice, violating FCRA, Section 611 ( a ) ( 1 ) ( A ). Potential actual damages for this violation may include any losses I suffered due to their inaccurate reporting.

Violation 5 : Lack of Data Redundancy XXXX reported conflicting information to each credit bureau, displaying a lack of data redundancy and accurate record-keeping, violating FCRA, Section 607 ( b ). Potential actual damages for this violation may include any losses I incurred due to their poor record-keeping.

Exhibit B : Potential Monetary Awards Violation 1 : Failure to Provide Disclosures - {$1000.00} Violation 2 : Lack of Opt-Out Options - {$1000.00} Violation 3 : Absence of Privacy Disclosures - {$1000.00} Violation 4 : Inaccurate Reporting - Actual damages to be determined in court Violation 5 : Lack of Data Redundancy - Actual damages to be determined in court Potential Total Monetary Award in Court : {$3000.00} ( statutory damages ) + Actual damages for Violation 4 + Actual damages for Violation 5 I believe that XXXXXXXX XXXX  continuous disregard for FCRA regulations has caused significant damage to my financial standing and well-being upwards of {$10000.00}. Despite giving them ample time to rectify their errors, they persist with frivolous furnishings, leading me to seek justice through legal action. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and hold XXXX responsible for their actions. Your intervention is essential in upholding consumer rights and ensuring fair and accurate credit reporting practices. 

Thank you for your attention to this critical issue. I trust that the Consumer Financial Protection Bureau will take appropriate action to remedy this situation and protect the interests of consumers like myself. 

Sincerely, XXXX XXXX
Product: Debt collection

contacted by a collection agency AFTER they put it on my credit report in XXXX XXXX they are attempting to collect monies from XXXX who says they did not hire them as i have a current account with them. i did have a dispute with XXXX over XXXX years ago and never received a final bill from them the company name is EOS COLLECTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts : XXXX XXXX XXXX # 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  has violated my rights. 

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

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have a lawyer suit files against me but want to verify workplace and income. Threat me with arrest at my workplace. Unfortunately I'm on fixed income and all.goes to medical. Thou I have block their number. It still shows up.as QCS. XXXX PS They are others companies or calls asking for a XXXX XXXX using my number.
Product: Credit card or prepaid card

Today I logged into my Bank of America online account and noticed that I had an XXXX XXXX credit card was listed as an active account in my portfolio. I also noticed that there was a past due balance of {$90.00}. 

I went into this account and saw that it was opened some time in XXXX, 2022. I called Bank of America to ask about why this was showing up in my list of accounts and the person I spoke to said I needed to talk to another department. He transferred me but I was on hold for 30 minutes and no one came to the line so I hung up, not able to resolve this serious matter. 

Bank of America had fraudulently opened this card without my knowledge or consent and then made an unauthorized charge to the card and I had no idea either transaction had taken place. I think there is a legal and moral issue in play here I'm hoping someone takes this matter seriously enough to do something about it.
Product: Mortgage

My loan is service by SLS which is XXXX. I'm paying off my loan, title asked for a servicing agreement to wire the $ to pay off the loan. SLS doesn't have the servicing agreement with the private lender. " or private lender doesn't want to sign the servicing agreement ' per SLS '' Payoff is good through today XX/XX/2020. Title is paying off loan today. But SLS have not provide servicing agreement. 

I would like SLS to take complete responsibility for any fees, penalty or late charge or daily interest that XXXX incurred after XX/XX/2020 2020
Product: Debt collection

My personal information was exposed in the XXXX XXXX XXXX and I began to take a closer look into my credit reports. I do not have an account with Midland Credit Management or XXXXXXXX XXXX  who they seem to be collecting on behalf of. I also never received any letter in the mail to validate or notify me of the debt. Pursuant to the FCRA guidelines, please remove this from my credit immediately or provide me with my signature showing that proper notification was mailed to me to confirm this companies ability to collect.
Product: Checking or savings account

On Monday XXXX XXXX XXXX I made XXXX Transaction of XXXX and XXXX which were taken out my account. then the next I transferred XXXX to my personal account then I paid my credit card via debit card for XXXX. So the bank decided to hold all of my first transaction till the largest one went thru, then they proceeded to allow them to go thru so the can get the fees. this has happened many times in the past and they have stated to me that they feel the largest one is the priority