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

I recently placed an initial fraud alert on my Equifax credit file online because I came to know from Equifax website that my personal information may have been impacted by the Equifax hack. Since I placed the fraud alert I had a right to get a free copy of the Disclosure of my credit file. After placing the fraud alert online I tried to get a free online copy of my Equifax credit file to make sure I was not a victim of identity theft. I got an error message stating that my credit report was not available online. I then called their automated phone system XXXX XXXX XXXX to get my free credit report. I entered all the required information and at the end I was informed that since Equifax had already sent me the free Disclosure of my credit file I can not get my free credit report. I never received the free Disclosure of my credit file from Equifax as of this date. I also tried to contact them by calling XXXX XXXX. This was also an automated ordering system which did not solve my problem I then called XXXX to speak to their customer service representative. No one was answering the phone and I got a busy signal. 
I also contacted them by email on their website, explained my problem and requested a free copy of the Disclosure of my credit file and gave them my email address to contact me. No one replied and there was no acknowledgment from Equifax. 

Since I placed an initial fraud report I should get a free Disclosure of my credit file from Equifax. It is very important to get this as soon as possible so that I can take the necessary steps in case of fraud or Identity Theft.
Product: Money transfer, virtual currency, or money service

My wife XXXX XXXX XXXX XXXX and I are co-owners of a medical clinic by the name of XXXX XXXX XXXX. We have a business Checking Account with Chase. We use XXXX occasionally to pay for variety of services. On XX/XX/XXXX, my wife received a text message from Chase Bank that XXXX XXXX XXXX was added as a recipient to XXXX. She contacted me and asked me if I had added this recipient. When we both realized that neither of us had added this recipient that this was likely a fraudulent addition, we contacted Chase within a few hours of their text. On XX/XX/23, XXXX payment of {$1200.00}, {$1700.00}, and {$1800.00} was made to this individual from our checking account. We did not add this person. We did not get a prompt from Chase Bank, verifying whether this was a proper addition to our XXXX client list. On our other bank, the first time, when an individual is added as a XXXX client, we get a notification and we approve, that indeed this person was added by us as a XXXX recipient. By the time we reached out to Chase Bank, the person had made XXXX withdrawls and we saw on our checking account that a third transaction was pending.

We called Chase and explained to them that we did not add XXXX XXXX XXXX as a client to recieve XXXX payments and we did not authorize any payments to this person. The fraud team helped us file a claim and mentioned that they would investigate the matter and get back to us. We received a letter back from Chase Bank on XXXX indicating that they had done their investigation and that " we had authorized '' this transaction and as such there is nothing they can do about this. We called the fraud team back on XXXX and mentioned that we did not authorize this transaction and we would like Chase to refund the money that was sent from our checking account without our authorization. The person mentioned that this was not possible. We asked to speak to their supervisor but she apologized but would not refund the money that was removed from our account. 
I am attaching the letter that Chase Bank sent us which contains their response and also the details of the transaction to this complaint.
Product: Debt collection

While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from XXXX XXXX XXXX with a balance of {$320.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, on XX/XX/XXXX I  sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile immediately.
Product: Credit reporting or other personal consumer reports

Your Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, Pa XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a 48 My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 
XXXX Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX Pa XXXX I request several time to have my information updated and its still old outdated information on my consumer report
Product: Student loan

I would like to report a student loan collection agency is not reporting on my credit report correctly. The agency name is TG Trellis. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Per the cares act they aren't suppose to report deliquency on non payment student loans. From XXXX XX/XX/XXXX. How ever they still are reporting. Even Though I contacted them by e-mail. They still refuse to correct this on credit report. 

The second mistake they are reporting is they delete my balance and then re-add it every month so it appears to look like a new account which does more damage to the score. Do the decrease balance of {$3200.00} and then add balance right back on. Likes like new deliquency.I ask then to correct and also reported to credit bureaus and corrections are not made. I would like an investigation in this matter please. My name is. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. Thank you for your prompt attention to this matter. THESE ARE THE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this attachments today XX/XX/2021 To have it as a proof that I sent this documents to Transunion by mail as many other letters I sent to have as proof fro the judge Im requesting to Transunion to remove inaccurate negative account from my credit report
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, 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 or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by Experian, XXXX, and XXXX Account # [ XXXX ] Dear CFPB, I am filing a formal complaint regarding inaccurate and misleading information being reported on my credit file by Experian, XXXX, and XXXX for the account listed as XXXX XXXX , with account number [ XXXX ]. 

The following issues exist with the reporting of this account : 1. Charge-Off Status : The account has been reported as charged off ; however, I have not received any formal notification, including a Form 1099-C, verifying that the debt has been charged off in compliance with IRS regulations. 
2. Purchased by Another Lender : The account is marked as purchased by another lender on certain reports. I never authorized or consented to the sale of my alleged debt to a third party.

3. Inconsistent Reporting : The details reported by the credit bureaus are inconsistent, including the dates of last activity, the reporting date, and comments about the account status. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable information. 

I have attempted to resolve these inaccuracies directly with the credit bureaus, but no action has been taken to verify or correct this information. I believe these actions harm my creditworthiness and may constitute unfair and deceptive practices. 

I request the CFPB to investigate this matter and ensure compliance with applicable consumer protection laws. I also request that any unverifiable or inaccurate information be promptly removed from my credit report. 

Enclosed are copies of my credit reports with the disputed account highlighted, along with any additional supporting documentation. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My banking account was breached and in addition my information has been breach. XXXX XXXX is the only credit bureau service that is reporting in accurate information and I would like to fix they have that I have over five inquiries and all of them are incorrect. I would like to remove. I want the light removed Ify as I have already spoken with XXXX XXXX they are in the process of removing it. No other credit agency has marked me late. I have never been late and I just noticed that I had a late pay last year in XXXX and based upon my other Credit bills and the law I need for them to remove it because they are in breach of my information and it has been stolen and they have always gotten their payments to us on time. my information was even breached by XXXX upon them merging with XXXX. There are laws. This says they must remove it and I want it done right now. I have excellent credit. I have never been laid on anything nor I have tried to obtain any credit in the last two years, so please have it removed along with the FTC report has been sent,
Product: Debt collection

I Was told my debt was paid and I saw a debt remove that wasnt the debt I owe then they fix the error and left me with the debt I already paid instead of taking it off
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TOKENE 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
Product: Debt collection

This account is identified as being with a bankruptcy. The bankruptcy was dismissed. You need to take off this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/XXXX Dear Credit Bureau : I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX XXXX XXXX Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your reinvestigation. 

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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notification via XXXX that my credit file had been viewed by Waterstone Mortgage. Upon digging deeper, I found that a mortgage loan officer by the name of XXXX XXXX, located in XXXX New Mexico, viewed my credit report without my consent. This resulted in a new inquiry being placed in my file, which I did not agree to. I was unaware that my social security number was even going to be used to view my credit report. In addition to viewing my report without my consent, XXXX XXXX shared my private credit information, debt amounts, loan information etc. with a family member. There was absolutely no regard for my consumer or credit security during this action which all took place over a phone call. I have never intended to obtain a mortgage loan in the state of New Mexico, as I currently reside and have built a life elsewhere. The use of my social security number, and the sharing of my credit file information was completely done without my knowledge or agreement.
Product: Debt collection

about 3or 4 year ago LVNV FUNDING TOOK ME TO COURT AND TRY TO SUE ME FOR XXXX THAT WASING MY I INFORMEND THEM THAT SOME ONE STONE MY ID ON BLACK WEB.AND IAM NOT GOING TO PAY FOR A CREDIT CARD THAT WASING MY.SO ON XXXX THEY SEND ME ANOTHE THREATING LETTER IN THE MAIL.TELLINME THE ARE GOING TO HAV ME AREST AND CONTACT MY JOB.AND ONTHER THREATING MASAGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have multiple non mailable addresses on my credit report that each credit agency failed to remove once I identified the non mailable addresses to them. 

According to the Fair Credit Reporting Act ( FCRA ) credit agencies are to remove non-mailable addresses from a consumer 's credit report. The FCRA is a federal law in the United States that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Under the FCRA, I the consumer have the right to dispute incomplete or inaccurate information in my credit report. When a consumer disputes information, such as a non-mailable address, the credit reporting agency is required to investigate the dispute. If the credit reporting agency can not verify the accuracy of the information, it must delete it from the report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address. 
XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address. 
XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but it saddens me that no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was 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. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : 1XXXX | DEPT OF ED / XXXX XXXXXXXX | DEPT OF ED / XXXX XXXXXXXX | DEPT OF ED / XXXX XXXX XXXX | DEPT OF ED / AIDVANTAGE 5.XXXX | DEPT OF ED / XXXX After your investigation is complete, please send me the results via mail.
Product: Debt collection

Sent them a debt validation letter. Did not receive any information to confirm debt is owed to them ( I am 100 % certain I do not owe this company ). Instead of validating it they put it on my credit report.