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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Public Records : XXXX XXXXXXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am heavily frustrated and deeply disappointed. There are information that are false and not assured to be the maximum possible accuracy on my credit report and I'm being consistently ignored on my requests to correct these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I applied for an Auto Loan at XXXX and XXXX XXXX.

But I see about 5 more extra hard inquiries on my credit report to whom I have not even spoke or had any business associations with.

I wanted the inquiries made by them to be removed from my history.

Below are the firms which made hard inquiry on my credit report on XX/XX/2018 : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. Chase Auto 4. XXXX XXXX XXXX 5. XXXX I tried reaching out to the customer care numbers, but the menu options are members centric whereas there seem to be no way to file a complaint related to credit report pulls.

I kindly request for your help on the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer reporting agencies XXXX XXXX, XXXX, and Equifax did not follow the following laws after the notice my notice of dispute was submitted : 1. FCRA Section 623 ( a ) ( 3 ) and 2.FCRA Sections 623 ( b ) ( 1 ) ( A ), 3. FCRA 623 ( b ) ( 1 ) ( B ), and 4. FCRA 623 ( b ) ( 1 ) ( C ) in regards to their duties after my Notice of Dispute was submitted by USPS Certified mail. The following are my most recent notices to the credit reporting agencies. 
XXXX. XXXX - USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Date XX/XX/2024 XXXX. Equifax - USPS CERTIFIED XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024 XXXX. XXXX XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024
Product: Credit reporting or other personal consumer reports

Issue : XXXX XXXX XXXX  is reporting a charge-off ( CO ) on my credit report every month for the past XXXX years, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score.

Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
XXXX XXXX Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
FCRA - XXXX XXXX. XXXX : A creditor must conduct a reasonable investigation of a dispute and correct any errors on the credit report. 
FCRA - XXXX XXXX. XXXX : A creditor must update the credit report to reflect any changes in the status of the debt. 
Violations : XXXX XXXX XXXX  reported a CO every month for XXXX years without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
XXXX XXXX Bank failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report, violating FCRA - 15 U.S.C. 1681i. 
XXXX XXXX Bank failed to update the credit report to reflect any changes in the status of the debt, violating FCRA - 15 U.S.C. 1681s-2.

Damages : Harm to my credit score Emotional distress Loss of credit opportunities Request : Order XXXX XXXX XXXX to correct the errors on my credit report Award damages for the harm caused by XXXX XXXX XXXX  's inaccurate reporting Impose penalties on XXXX XXXX XXXX  for their violations of the FCRA and XXXX XXXX guidelines Supporting Documentation : A copy of my credit report showing the inaccurate reporting A copy of my dispute letter to XXXX XXXX XXXX  A copy of XXXX XXXX XXXX  's response to my dispute Additional Information : XXXX XXXX XXXX  's reporting of CO every month for XXXX years without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX  accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting ActXXXX 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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit reports. Wells Fargo Home Mortgage shows me as being delinquent as of XX/XX/XXXX. Closed on XX/XX/XXXX, Permanent status Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX. I did file bankruptcy and it was granted on XX/XX/XXXX. 

But I was not delinquent XX/XX/XXXX nor have I ever been delinquent on any payments. I continued to make the agreed upon monthly payments until XX/XX/XXXX. on XX/XX/XXXX I paid my mortgage in full. 

On XXXX I called Wells Fargo Home Mortgage to discus this issue. They said since I had not reaffirmed my loan they quit reporting it to the credit bureaus. I told them that was fine. But they needed to take off the delinquent report and say it was paid in full. 
She said she could not do that. When I insisted and said I filed complaints with the credit bureaus she referred me to their legal department. She tried to transfer me but cut us off instead. 
I called Wells Fargo back. Had to go through all the steps and information again. This person transferred me to the legal department. After being on hold for 10 minutes I was finally able to speak to a person. 
Again I had to explain the entire situation. He told me there was nothing he could do about it. When I insisted he informed me, I needed to write a letter detailing my request and what I wanted done. Also to include proof of everything and mail it to Wells Fargo Home Mortgage. 
I told him they had all the records and proof right there and it was Wells Fargo that reported the false information to the credit bureaus. He replied that the would not change anything until I mailed the letter with the proof. He gave me the address. I thanked him and hung up. 
I am a XXXX veteran on a limited budget. I can not afford to print and make copies of two and a half years of statements and pay the postage to mail all this to them. 
When they are the ones that falsely reported this information.
Product: Debt collection

This company has profusely tried to call me and harass me to pay a debt that I am not responsible for. The age of the debt is past the statute of limitations in the state of Florida and has been resold and taken off my credit numerous times. Not only that, but they have called my job several times in the past, have called my husband harassing him about this debt while they have my phone number. Today on the phone, I was scolded by a debt collector after I informed her I was in a meeting and couldnt deal with another harassing call from this company. She refused to take my answer and kept pushing for a forced payment for this debt that Im not responsible for.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX at XXXX EST, I attempted to make a withdrawal of {$200.00} from the ATM located inside of the XXXX gas station at XXXX XXXX XXXX XXXX XXXX SC XXXX. The ATM prompted me to removed my card after I made my selection, then it prompted me to take the receipt and cash but, it did not dispense any cash nor receipt and immediately after that message was an " out of service '' error message on the screen which it then went back to the home screen. I immediately notified the store clerk that the machine wasn't working properly and I proceeded to call my bank and the number listed on the ATM to report the issue. 
My bank stated that I would have to wait for the pending transaction to post to my account before I could make an official dispute and the representative for the ATM company said that the transaction should " drop off within a day or two, ''. The amount of {$200.00} posted to my account on XX/XX/year>2024, I then called the bank at XXXX to follow through with the dispute. 
The dispute was completed on XX/XX/scrub> 2024 in which it was denied and states that " no error occurred, ''. I did not receive any funds from the ATM and a thorough investigation should be made. I will continue with this claim and not do any further business with this bank/company after resolution of this matter.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Demand for Deletion and Suppression of Fraudulent Information Due to Identity Theft To Whom It May Concern, I am writing to demand the immediate deletion and suppression of fraudulent information currently present in my credit file. As a victim of identity theft, I did not authorize or make the charges associated with the items listed in the enclosed report. This false information is damaging my credit report, and I require that it be corrected without delay.

I reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the FTCs Identity Theft Affidavit as supporting evidence. Despite this, it has been over 30 days, and your agency is now in VIOLATION of federal law for failing to take the necessary action to correct my credit file.

As per 15 U.S. Code 1681c2, a consumer reporting agency must block the reporting of any fraudulent information in the file of a consumer, identified as resulting from identity theft, no later than four days after receiving notice. This legal requirement has been ignored, and I demand that the fraudulent items be deleted and suppressed immediately.

Your agency 's failure to comply with this statute and take swift corrective action is unacceptable. I expect full compliance with federal law and that my credit report be accurately updated within the next few days. If you continue to ignore this request, I will not hesitate to seek legal recourse to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

I anticipate a prompt response and resolution of this matter. Please confirm in writing once the requested deletions and suppressions have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX XXXX/2022XXXX XXXX, 2022 XXXX : XXXX, XXXX. 
XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX/XXXX/2022 Experian : XXXX XXXX XXXX XXXX  XXXX2022XXXX XXXXXXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX  XXXX XXXX, 2022 XXXX XXXXf XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries were unauthorized and need to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have found multiple accounts and hard inquiries that does not belong to me. Someone has been using my information which has put me in a bad situation XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Product: Credit card or prepaid card

Opened a XXXX XXXX card from American Express, with a signup bonus of XXXX Membership Rewards points after spending {$5000.00} within the first 3 months of the account being opened. I opened this card on XXXX of XXXX, and met the spend requirement in XXXX. Since then, I have had to contact American Express multiple times about the points not being awarded to my account. In XXXX, I was told that the issue was under investigation, and that a decision would be made by 8 weeks. On XXXX XXXX, I once again contacted Amex to see if progress was made. I was told by the customer service representative that the case was closed in my favor, and that the points would be " soon ''. The cause of the this delay was apparently a " technical issue ''. For over 5 months I received no information about the existence, cause, or resolution of this issue and had to contact Amex multiple times to check my case 's progress. Finally, after contacting two representatives on Amex 's chat tool, I was told that I would need to wait another statement period for the points to be awarded. Amex has already taken responsibility for this " technical issue '' and has offered very little in amending the situation.
Product: Credit reporting or other personal consumer reports

I checked my Experian credit report and found one fraudulent inquiry on my credit report from XXXX XXXX XXXX XXXX on XX/XX/year>. I did not authorize nor receive any new credit from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Hard Inquiry on XX/XX/19 from Citibank NA ( CBNA ) on my XXXX  credit report that I did not authorize. The unauthorized inquiry was for an Office Depot Credit line. I have filed a dispute with XXXX to have this inaccurate information removed from my credit file. I was a victim of ID theft in the past so I monitor my credit file regularly for any fraudulent activities. Thank you for your assistance with this matter.
Product: Checking or savings account

on XX/XX/XXXX a check from XXXX XXXX XXXX XXXX for XXXX was mistakenly sent to ally finanacial at XXXX XXXX XXXX XXXX kentucky they cashed the check even with wrong account number on it i sent letter with canceled check to them wanting my money refunded they refuse to answer me i consider this theft
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that  since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under XXXX XXXX XXXX ( XXXX ) removal of XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( b ) Compliance procedures maximum possible accuracy & section XXXX XXXX XXXX code XXXX B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )