23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor contacted MIDLAND CREDIT MANAGEMENT in writing on XX/XX/2021 requested validation of alleged debt and cease and desist of alleged debt. MIDLAND CREDIT MANAGEMENT has yet to respond in the given XXXX day time period that was given. This alleged debt continues to show on my consumer credit report and has not been reported and disputed. I have received no communication from MIDLAND CREDIT MANAGEMENT to validate this alleged debt. MIDLAND CREDIT MANAGEMENT has harmed me and my credit report and file due to housing unverified and unvalidated debt on my consumer report and they are now civilly liable to pay me for damages.
Product: Credit card or prepaid card

I've received multiple daily calls from blocked numbers, for Comenity Bank trying to reach a XXXX XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have informed them that I have held this phone number for 6 years and am not, nor have any relationship to the person they are looking for.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue concerning my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following inaccurate information on my credit report, but as of this date, I have not received a response. I am providing the details of the inaccuracies and the required corrections for your reference : The account with the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$10000.00} ) is not mine. I kindly request the removal of this account from my credit report. 


The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$2000.00} ) has never been late. I request that this inaccurate information on my credit report be corrected/updated accordingly. 


The account under the name " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$520.00} ) has never been late. I request that this inaccurate information on my credit report be corrected/updated accordingly.
Product: Credit card or prepaid card

I have XXXX credit cards with Commenity Bank. They are an XXXX XXXX XXXX, XXXX XXXX and a Victoria Secret credit cards. I can not make payments for the XXXX card which is due on the XXXX or Victoria Secret card which is due on the XXXX due to Commenity Banks site being down and their phone lines not working. I have called all the customer care numbers on the back of the cards yesterday, XX/XX/XXXX and was only able to get through to one of them. The problems with their online and phone system has been going on since XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Equifax XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Accounts ( XXXX ) Request for Removal Based on FCRA Violations and Identity Theft Protections Dear Sir/Madam, I am writing to dispute the charge-off account listed on my credit report, which I believe is being reported in violation of federal law. Specifically, I am requesting the removal of the account that has been marked as XXXX and reported as XXXX ( Cancellation of XXXX ). Upon review, I believe this account may have been reported erroneously or is the result of a data breach and/or identity theft. I am invoking the provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2, and 15 U.S.C.

1681c-2 ( c ) ( a ), as well as Metro2 compliance standards, to request the immediate investigation and removal of this account. 
The Details of this Account are listed below : - XXXX XXXX XXXX XXXX Opened on : XX/XX/XXXX ; Under the Account Number : XXXX ) Attached is a formal dispute letter detailing this matter along with a copy of my passport and ss card for proof of identity
Product: Debt collection

I had a judgement against me, but I was never served. I was never given the opportunity to plead my case. I offered to make payments and my offer was declined. They're now threatening to make me pay {$130.00} a month or garnish my wages. I am self- employed and I'm homeless. They can not garnish my wages, but I'm afraid since they've already broken the law by allowing a judgment against me even though I was never served Im afraid they'll just garnish my wages anyway. What do I do? I don't have any of the paperwork because I was never served. I don't know who to contact?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed " XXXX XXXX '' XXXX Account # : XXXX on XX/XX/2019. Transunion reinserted " XXXX XXXX '' XXXX Account # : XXXX on XX/XX/2019. 

Case Law : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are incorrectly reporting on two US Department of Education loans XXXX and XXXX. XXXX is reporting the account has exceptional payment history and is up to date as it in reality is. The fair credit reporting act requires that these accounts be removed or to reflect the transunion correct reporting this report is attached in the document attached The FCBA 's XXXX gives a consumer the right to sue or assert defenses against the credit company ( instead of the actual merchant ) in a dispute about the quality of goods or services received, to the dollar extent of the amount of the charge ( s ) involved.
Product: Debt collection

On XXXX  XXXX alerted me via email that an a change occurred to my credit report. When I checked, I saw a collections agency on my account and they filed a derogatory remark on my account saying I was delinquent. This company was Credit Services Intl. I contacted them today via phone to discuss this issue. They started it is due to an unpaid bill from XXXX XXXX XXXX XXXX. I informed the representative that I never received a bill from XXXX XXXX nor have I received a notice from Credit Services Intl. How can I pay a debt I wasn't notified of? Then I contacted XXXX XXXX via email and they said that there's nothing they can do as they didn't started the collection agency process ; the physicians group did. I tried to contact the XXXX XXXX XXXX XXXX physician group about the collections and my missing bill ; I can not get anyone on the phone. No one is giving me a straight answer and now my XXXX score had dropped XXXX points due to other people not communicating efficiently.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian concerning their failure to conduct proper investigations into several disputed items on my credit report. Specifically, these items include : XXXX XXXX XXXX XXXX  Account : I disputed inaccuracies related to a XXXX XXXX XXXX XXXX  account, including discrepancies in balance, payment history, and account status. Experian 's investigation concluded without addressing these discrepancies or providing a valid explanation. 



I am aware that on XX/XX/year>, the CFPB filed a lawsuit against Experian, alleging that the company conducted " sham investigations '' into consumer disputes and failed to properly address inaccuracies in credit reports. The lawsuit asserts that Experian violated the FCRA by : Conducting superficial investigations that do not adequately address consumer disputes. 

Failing to delete inaccurate, incomplete, or unverified information from consumer credit files. 

Reinserting previously deleted inaccurate information without proper notification to consumers. 


My experiences align with the allegations in the CFPB 's lawsuit, as Experian 's handling of my disputes appears to reflect the same inadequate practices. Their failure to conduct thorough investigations and reliance on automated processes have resulted in the continued presence of inaccurate information on my credit report, adversely affecting my financial standing. 

I respectfully request the CFPB 's assistance in : Ensuring the removal or correction of any information that can not be verified as accurate. 

Implementing measures to prevent the reinsertion of previously deleted inaccurate information without proper verification and notification. 


Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure Experian complies with federal regulations and that my rights as a consumer are protected.
Product: Checking or savings account

I was charged a {$5.00} maintenance fee twice on my savings account for " insufficient funds ''. I only fell under the require limit one time in but was still charged that second time. I've called several times only to deal with conflicting information and rude representatives. Everyone is telling me something different and nobody can give me a clear answer as to why I was charged again for a {$5.00} maintenance fee when I was over the required minimum amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - I received a hard inquiry from Nissan dealership located XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I did not consent to my credit being processed nor was I present. I wrote an email and letter to the general manager. I have not heard back from anyone on how to resolve this issue
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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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

My XXXX  credit card was used fraudulently in XX/XX/2015. I had no idea the card was used. By the time I found out, I paid the balance but XXXX put a 30-59 day late on my credit report.
Product: Checking or savings account

On the heels of paying billions in fines a few years ago for scamming people, apparently they didn't learn their lesson. Their latest grift is the 'extra day ' grace period. In reality, there is no grace period. You still have to cover any overdrafts the VERY SAME day because they count the extra day as the clock strikes midnight. In other words, they count the extra day when the clock goes from XXXX on the day the overdraft hits to XXXX. 

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Product: Credit reporting or other personal consumer reports

TransUnion has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
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 or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 the following personal credit card accounts : XXXX XXXX XXXX XXXX  - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX  - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX. - Account # : XXXX, Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or the collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. I reuploaded this complaint because I forgot to attach forms of identification.
Product: Credit card

CHASE CARD MADE A HARD INQUIRE ON MXXXX REPORT ON XXXX/XXXX/2016 THAT I DIDNT CONSENT TO
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1988, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unveriable, and false information consist of a personal loanaccount XXXX XXXX XXXX XXXX  account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/2023. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. 

My disputes pertain to inaccurate information present on all three of my credit reports, namely from Equifax, XXXX, and XXXX. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. 

In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. 

As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. 

I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, fraudulent auto loans were obtained in my name through BMW Financial Services without my knowledge, consent, or approval. These unauthorized transactions were discovered by me in XX/XX/XXXX, when reviewing my credit report. The total amount fraudulently obtained is approximately {$79000.00}. 

Upon discovery of these fraudulent entries, I took immediate action to address the situation. This included : Reviewing my credit reports in detail to identify any additional fraudulent activity. 
Placing fraud alerts and credit freezes on my reports with all three major credit bureaus to prevent further misuse of my personal information. 

Filing this Identity Theft Report with the Federal Trade Commission ( FTC ) to officially document the identity theft and to assist in the resolution process with the credit bureaus and the financial institutions involved. 

These unauthorized loans have placed undue stress on my financial well-being and have the potential to significantly damage my credit score. I am seeking the removal of these fraudulent loans from my credit report and am requesting a thorough investigation into how my personal information was compromised. I intend to resolve this matter promptly to prevent any further fraudulent activity and to restore my financial integrity.
Product: Student loan

Was a student at XXXX XXXX College and I believe I was a victim of the predatory lending practices.I was also saddle with hight interest private loans that I did not know about until after I found out about there accreditation. And was Fortunate enough to get out. But I 'm still saddled wit almost XXXX dollars worth of bad debt. This was in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the account XXXX XXXX XXXX # XXXX with 0 late payments, but still shows on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. How can there be 0 late payments, but still have all the late payments in the payment history if this is reporting accurately as they claim? I've disputed this account with these blatant inaccuracies for the last 7 months and no one has taken action to delete the late payments in the history or the account completely. Furthermore, the FCRA clearly states under 15 USC 1681a ( 2 ) ( A ) ( i ) which says Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; These should never have been reported to begin with per the FCRA and also because Equifax is not reporting this with XXXX XXXX accuracy as that is their duty to do so. Upon calling Equifax and addressing these issues, the supervisor admitted that it was incorrect, but put the blame on the furnisher and said they ( Equifax ) can not correct the inaccuracy. The supervisor also admitted to not complying to the laws of the FCRA, I have this conversation recorded and can provide the recording as needed. This account has been ruining my credit for quite some time and causing a lot of stress on my life and all because no one wants to take the right, legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX & XXXX   ( Experian : XXXX ) XXXX ( Experian:XXXX ) XXXX XXXX XXXX ( Experian:XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX XXXX XXXX ( Experian:XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX &  XXXX ( Experian ) 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- : xX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX : < ) XXXX  XXXX ( XXXX  : 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. 
XXXX XXXX XXXX