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

I told all the of the " Big 3 '' nationwide consumer Credit Reporting Agencies, XXXX, Experian and XXXX to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), USDEPTOFEDUXXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( XXXX, XXXX and Experian ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that 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 USC 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. 

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.
Product: Credit reporting or other personal consumer reports

Hello, I have written Equifax several times stating I have Inquiries on my credit report that are fraudulent or identity theft for I never gave permission for these companies to run my credit report. Equifax writes back letting me know to validate my identity even after I send them plenty of proof as I will again today attached. Please inform them of my issue below. 

RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give Equifax permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, Equifax to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only XXXXXXXX XXXX Credit Card but whenever I tried to check my XXXX score then one another card is showing active in my account which is from XXXX XXXX XXXX XXXXXXXX card but I never used or applied any other card except XXXXXXXX XXXX  CREDIT CARD because of it my XXXX score is affected so please check it and contact me on XXXX XXXX Which documents I have attached below the link please check it this is not my card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request that your remove the disputed fraudulent account and information off my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items 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 XX/XX/XXXX. I have read that under the FCRA section 605v, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.
Product: Debt collection

XXXX reported to my credit without my knowledge. No information was requested prior.
Product: Debt collection

Debt was Paid to agency Caine & Weiner and this company still added debt of XXXX to my credit report I ask that the debt be release from my credit report and i wil add proof of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Americredit reported a hard inquiry on my credit profile with the XXXX credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Product: Debt collection

I was injured at my work place in XX/XX/2015 that required a visit to the emergency room. My employer paid most of the bill, but I have only recently been notified of an outstanding bill of {$430.00} that I was not made aware of until I noticed the derogatory claim on my credit score. The collection agency is XXXX XXXX XXXX. They claim to have notified me, but that has not been the case. I have not received any claims in the mail. I beleive this to be a predatory company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lowered my score by 14 points on XX/XX/26. When I called on XXXX for an explanation they could not give me one. All of my accounts are paid on time, i did not have any collection accounts, nothing changed on my report. The other credit reporting agencies did not lower my score. The person who assisted me on the phone clearly stated that he could not explain why. This changed my rating from good to fair, i spent alot of time fixing my credit and this is very discouraging. I STRONGLY SUGGEST that the government investigates Experians practices as they are now offering the chance to put your utility bills on your credit report to increase your score. They charge for this service. Now if they randomly lower your score for no reason that may prompt most people to use this service. I am demanding that my 14 points get added back to my fico score as there is CLEARLY no reason for my score to be decreased OTHER than illegal marketing tactics to use the new service that they are offering. Please investigate. Thank you
Product: Credit card

I purchased an item from XXXX XXXX online on XX/XX/24 for a TOTAL of {$310.00}. The item arrived damaged and did not work, so I requested a refund. I attempted to get a refund on XXXX different occassions, but they just kept telling me that their system wouldn't authorize a refund or a XXXX, and they couldn't tell me why. They had no idea why it wouldn't process the refund, so they said the only option was to dispute the charge with the credit card company, which is what I did, over 3 months ago. I have NEVER gotten any notification from Wells Fargo about the status of teh refund, but I called them today for an update and they told me the dispute had been closed out because XXXX XXXX issued me a credit, but that was not true. And Wells Fargo never sent me anything stating they closed the claim, or I would have contacted them earlier. I even went online to check the messages on my account, and Wells Fargo never sent me anything, so that was another lie. Wells Fargo then sent me an email stating that XXXX XXXX had credited my account for {$320.00}. That refund was for a COMPLETELY DIFFERENT ITEM. That had nothing at all to do with the billing dispute I filed, so why was the matter closed? Also, why would XXXX XXXX issue a refund for an amount that was great than the billing dispute? That would mean they refunded me MORE than what they charged me. That's just common sense that those two issues are different issues. So I still have not gotten my refund or credit of {$310.00} after 3 months. This is not the first time that Wells Fargo has told me, and the CFPB, that I have gotten a credit that I have never received. So why would they close a dispute that was for a completely different amount, and why would they close a dispute without even telling me? I have emails/texts from XXXX XXXX telling me to dispute the charge, but Wells Fargo never asked me for any of that. They just do whatever is easiest, which is always NOTHING.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Verification Request Due to XXXX Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication As a victim of the breach, my personal information, including Social Security number, was compromised. XXXX Acct # XXXX, TransUnion Acct # XXXX, XXXX Acct # XXXX {$220.00} Date Open- XX/XX/XXXX on my XXXX acct it stated that I open this account on XX/XX/XXXX How I dont have XXXX XXXX, Im currently with XXXX! This Cable Company doesnt provided services in XXXX XXXX XXXX! TransUnion Acct # XXXX, XXXX Acct # XXXX {$640.00} Date Open- XX/XX/XXXX I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX : XXXX CC : I have been billed by XXXX for all of XXXX when I terminated my service with them in XXXX. All my efforts to contact them have failed in that : Their account system says I do not have an account. 
Their chatbot says I dont have an account. 
Look at my address. The XXXX store here was looted and closed, in recent riots I looked at social media. These problems are constant. I tried calling their sales line and was on hold for 30 minutes before I gave up. 
They have not responded to written requests for information / resolution. 
Here are my payments from XX/XX/XXXX on : Payment Type To DeliveryOn Status ConfirmationNumber Payments XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed QXWJH-TQDKG XXXX Total paid from XX/XX/XXXX on : XXXX As is clear, I was current in XXXX, and have paid {$570.00} from XXXX on, the month in which I terminated service with XXXX. I have tried since XXXX of this year to understand what I am being billed for, but as already mentioned, including in writing, I have no idea what it is Im being billed for. Apparently, my service has been discontinued, which has been true since XXXX of XXXX. I most certainly welcome that, Id just appreciate not being hounded for payment for services that have not been rendered.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I originally got a card with this company, but when i found out how the card balance was to be paid back. i cut up the card and threw it away. I even called and tried to call and cancel the card. I left numerous messages for them to return my calls. even explained that i had destroyed the card and threw it away. A few months later I noticed that they were trying to take money out of my bank account. I again tried to call them, but again I got a recording. I have tried to explain to them that I can not use a card that no longer exists. Especially since it is physically impossible. They did everything but call me a liar to my face.
Product: Debt collection

By certified mail I sent a Validation letter and the company responded with a bill statement, however when I requested for more information and Verification of the debt by another certified letter and to stop calls, company did not respond and later sent letter to threaten to sue. I will like for creditors name and full address and the original agreement with signature and it to include Name of debtor of record Full account number Amount of debt Due date of debt Original charge off or delinquency date Explanation of how the debt was calculated Evidence that the debt is within states applicable statute of limitations Name of collection agency or owner of debt Amount paid if debt was purchased Completed and executed agreement including signature pages for the debt
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX Pa XXXX XXXX XXXX XXXX **Consumer Financial XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX **Subject XXXX Complaint Against Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX. XXXX XXXX : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX. **Nature of Complaint : ** I am filing a complaint against XXXX XXXX XXXX and Experian XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports.

4. **Description of the Issue : ** I have identified an account on my credit report XXXX Funding that I believe to be inaccurate. Experian XXXX XXXX and XXXX is reporting this inaccurate information and failed to send verification. I believe this to be inaccurate information on this credit card reporting {$1300.00} opened on XXXX also stating this account is open. 
I have disputed this information directly with the credit bureaus, Experian, XXXX, XXXX XXXX but the inaccuracies remain unresolved. I sent letters through the mail which will be provided. 
- Under 15 U.S. Code 1681i, I have the right to have inaccurate information corrected or removed, and the failure of the three bureaus to address this dispute properly is in violation of my rights. 

5. **Desired Resolution : ** - I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX Experian and XXXX Company for failing to comply with the FCRA.

- I also request that the inaccurate information be corrected or removed from my credit report.

6. **Attachments : ** Will be attached to this complaint Thank you for your attention to this matter. I look forward to your prompt action regarding my complaint. 

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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX/XXXX  on XXXX, XXXX  XXXX  XXXX  on XXXX, XXXX on XXXX and XXXX, XXXX XXXX  XXXX on XXXX, XXXX on XXXX and XXXX/XXXX  on 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as my official notification to you, or any individual ( s ), concerned that I here now have confliction with the reportability of your claim ( s ) until it's testimonial that privilege to report was executed adequately and in a well established and chronicled compliantly reported compliant manner, even to the mandates in accordance with the XXXX required XXXX described XXXX XXXX data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX , XXXX Account number : 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
Product: Debt collection

Bridgecrest Credit Company LLC XXXX I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experian 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.