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

My XXXX XXXX is lost/stolen and has fraudulent transactions on the account. I want XXXX  to immediately close the lost/stolen XXXX account . I want XXXX and Equifax to immediately delete and remove the lost/stolen XXXX account from my XXXX and Equifax credit report. I want XXXX and Equifax to report this information to XXXX XXXX and XXXX. My XXXX  XXXX Account Number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXX TX XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXXXXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXXXXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not reported any information re my credit card since XX/XX/XXXX I called XXXX and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is XXXX reported account closed with XXXX balance. XXXX insists they did not report this, however XXXX still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding 30 minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and XXXX claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a complaint with cfpb ( complaint # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX XXXX XXXX, CA. On XX/XX/2023, they ran my credit without my permission, and I was not interested in purchasing a vehicle nor co-signing for anyone. I was with a family member who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/2023. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. The five finance companies who unlawfully ran my credit without permission were XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The action has tainted my credit in a negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality.
Product: Credit card

On XXXX I booked a room through XXXX and when I went to check-in, I was told their systems were down and they were not able to check anyone in and again, I was instructed to contact XXXX to credit back the {$91.00} I had been charged and was again unable to reach a live person at XXXX. I contact Capital One on XXXX and disputed the charge, which they issued a temporary credit, however, there was a rebill on XXXX for the {$91.00}. I have sent them a letter on XXXX explaining in detail the issue again and have yet to see this reversed.
Product: Credit reporting or other personal consumer reports

This company has violated my rights to privacy. I never gave them permissible purpose to furnish any report on me. According to law 15 USC 1681b, no permissible purpose is identity theft and i have the right to block any information resulting in identity theft.
Product: Checking or savings account

I received notifications to my cell phone of withdrawals that I did not make from my banks smartphone app on XX/XX/year>. The charges appeared to be from an ATM for approximately {$500.00}. I then logged into the account and did not see these withdrawals posted. Once I saw them in my statement I called the bank and began a fraud claim and requested a new card. Currently am awaiting an update and confirmation I will not have to return the provisional credit that was applied to my account. Thank you.
Product: Credit card

I applied for a american express card but it was too late to deliver as im already on my business trip outside the states. 
I called after 10 days the card was deliver to my US address and asked them to ship my card internationally. They refuse to do so after successfully verifing my phone number, email, and social security number. 
Moreover, they even start a investigation to ask me to go to the nearest embassy and ask for a notary. Image if you are on a business trip and are working all day just to feed your family well. One of the credit card provider ask you to do all the meaningless verification just to verify i am myself even if i have agreed to provide my passport info or us drivers license. 
I understand there are fraud going on every day in the states which does not mean card provider should OVER-VERIFY their customer and bring them infinite inconvenience
Product: Debt collection

Attention PENFED CREDIT UNION you were recently sent a packet of Notices to you PENFED CREDIT UNION to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve Publication Modern Money Mechanics, will show a total bank liability to me In the amount of {$25000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again PENFED CREDIT UNION you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the Freedom Of Information Act Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to FOIA 5 USC 552 and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.
Product: Credit reporting or other personal consumer reports

Hello and good day! I am deeply concerned about the erroneous information appearing on my credit report. This situation is incredibly troubling, as these inaccuracies are jeopardizing my financial freedom and hindering my ability to make progress toward my goals. My credit applications are being rejected because of these errors, causing me significant stress and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free online credit report from Equifax and after answering their online questions their programs indicated they could not verify who I was. I opened a complaint about this with CFPB and followed up by mailing in a manual request to Equifax for my free credit report. 

Equifax did not accept my request and instead sent me a letter asking me to make a copy of 2 ids and mailing it back to them before they would send me my report. I sent them a copy of 2 ids and mailed it back to them. 

I am filing this complaint because I want our Federal Government to know that this company is not providing me with my free credit report. This company continues to try to get me to pay them to protect my credit report information. I continue to ignore their requests. 

I do not think that our country should allow credit bureau companies like this to exist and I think they should be operated by the Federal Government and the information stored on computers should be protected by the best information technology people the NSA can hire to protect US from internal fraud in companies like this and from external fraud as well. 

Our Federal Government shut down the accounting firm XXXX XXXX after the XXXX scandal. Our Federal Government should shut down Equifax too.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In 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 shalli ) promptly delete that item of information from 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the following account is negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

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

XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since XXXX  would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and refussa to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. Whos studying XXXX XXXXy finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX  account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor maXXXX not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Product: Debt collection

They call me repeatedly from this number several times a day. I think it's XXXX 's but I don't have a XXXX 's account
Product: Credit reporting or other personal consumer reports

This company has entered a debt on my credit report. I have contacted the company in an attempt to understand what it is for and additional information, without a response. 
I sent certified mail with return receipts on XX/XX/2024, XX/XX/2024, and XX/XX/2024. 

I have also disputed this information with the credit reporting agencies on multiple occasions and was informed that the debt had been validated. I find this highly suspicious when I can't get a response from the company.
Product: Credit card

E-Mail sent to Discover Bank : Good Evening, Please see chat below. I am very upset. I applied for a credit card with balance transfers of approximately {$8000.00}. I was only approved for {$2500.00} after adding my husband ( copied ) who works for a bank and has a credit score over XXXX and a excellent credit history. We immediately called Discover and asked for an increase to {$8000.00}, so we could still work with you for these balance transfer. We were turned down and told that we have to " prove '' ourselves before asking for an increase. At that time we told the representative that we will not be using this card. We were told quite dismissively " that is fine '' and the call ended. 

A couple weeks later I received notification that a partial balance transfer was conducted by Discover and I am being charged {$71.00} for it. I already took care of my balance transfer with XXXX. So now I have a credit due to me and I need to get that money back ASAP to pay back Discover. I will not pay the {$71.00} because I told your employee that I would not be using this card. 

I attempted to resolve this in the chat below, where I was told that not using the card is different than canceling the balance transfer. When I placed my call immediately after getting the approval amount, I made it clear to your employee that I needed {$8000.00} to do my balance transfer. Once turned down, I said that I would not be using the card and I was dismissed. Instead of your employee 's rude response he should has either asked " do you still want to do a partial balance transfer '' or " if you would like to cancel the balance transfer, then you must do the following ... ''. I am a new customer. How am I supposed to know your policy and procedures five minutes after being approved for a card? I am an XXXX attempting to establish my credit. I would have simply cancelled this card, but I was afraid it would negatively impact my credit score, which is why I told your employee that I would not be using this card. Your employee knows Discover 's policy and procedures, not me, and they should have at least made the attempt to work with me as a new customer. This was my first ever dealing with your company and it was not good, and now things are going downhill even faster. 

I was told on chat that the {$71.00} can not be reversed. So I am being punished for your employee 's inadequate customer service? I would choose to not pay the {$71.00}, but once again I am afraid how it will impact my credit, as an immigrant attempting to establish himself here. So instead, I will make the payment by the due date, if this is not resolved prior. However, I will also send a copy of this message to the CFPB, the XXXX, and any other consumer reporting agencies who may be interested in this story. I will also attempt to contact Discover publicly via XXXX and other social media platforms. As I mentioned to your employee in the chat, I find it very hard to believe that Discover has no way of rectifying this situation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Did n't move in the apartment I was only given a offer package with details of the charges and term conditions. There 's no money order that shows I paid the move in amount. And, each document has different signatures along with fraudulent dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.