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

Prior the many phone calls, I sent letters to each creditor and credit bureau asking for proof of validity of signed by me XXXX XXXX XXXX credit applications ( inquiries ) The Results Of Our Reinvestigation ( EQUIFAX ). 

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
Inquiry Date : XX/XX/XXXX CR ( Continued On Next Page ) XXXX Page 3 of 6 XXXX XXXX  XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX We have reviewed the consumer statement. The Following Consumer Statement Has Been Added/Updated To Your Credit File As You Had Requested. THE FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONES CREDIT REPORT IS A ) FIRM OFFER OF CREDIT B ) INSURANCE C ) A COURT ORDER/ D ) EMPLOYMENT/ I RECENTLY PULLED A C OPY OF MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE AND DO NOT FIT A, B, C, OR D ABOVE ( XXXX ) XXXX Source : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX  This account was opened in XXXX. This account has since then been paid and closed. I reached out to XXXX XXXX  and asked for them to remove this item from my credit report. XXXX XXXX  agreed to do so, The lady I spoke with informed me that I just needed to call each credit bureur and repot the same statement to ( XXXX, EQUIFAX, XXXX ) I did just that and each agency then told me that I need something stating that XXXX XXXX  would remove the item. I Informed all three agencies again that XXXX XXXX  stated that there was nothing else to do but let all three agencies know to remove the account listed above due to the age of the account and it being in good standing. I have since then sent in 3 rounds of dispute letters asking for ( XXXX, EQUIFAX, XXXX ) to contact XXXX XXXX  and get the approval for removal the account above directly. I also asked for them to send me proof of application for credit inquiries listed above there are inquiries reporting to ( XXXX, EQUIFAX, XXXX ) that are incorrect and there is no signature from me showing that I gave the businesses above permissible permission to pull my credit report. 

As I know that I a direct violation of the FTC/FCRA These same items have been reported to my XXXX  report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report on XX/XX/2022 ( attached ). I uploaded the report to, XXXX, and Experian the alleged accounts that are fraud which are XXXX XXXX XXXX AND XXXX XXXX XXXX and they are still reporting on my credit. They have not removed them or blocked these fraudulent accounts which is violation of 15 USC 1681C ( 2 ) ( A )!!! I need these accounts removed immediately! Once a consumer filed a ftc report the XXXX has 4 days to remove them!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry reporting to my Equifax file from XXXX XXXX on XX/XX/2021. Equifax has sent me several updated reports over the last few months stating that this inquiry has been removed yet it is still reporting as active on my credit files. Id like Equifax to delete this inquiry from my credit report once and for all. See attached reports from Equifax dated XX/XX/2021 and XX/XX/2021 to see how long Ive been dealing with this unresolved issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of account XXXX  - XXXX on my credit report by the credit bureaus. On XX/XX/2024, I received communication from the credit bureaus stating that the investigation into this account had been concluded, purportedly finding it to be accurately reported. However, upon careful review, it is evident that there are multiple inaccuracies present in the reporting of this account. 

Specifically, the reported date of open, high balance, last activity, last verified, last report, and date of late payment are all incorrect. These inaccuracies call into question the integrity and reliability of the information provided by the credit bureaus. Given the extent of these discrepancies, I firmly believe that grounds exist for the immediate removal of this account from my credit report. 

Furthermore, I wish to bring to your attention a violation of my rights under 15 U.S.C. 1681 Section 604 A. According to this statute, a consumer reporting agency is prohibited from furnishing information about an account without the written consent of the consumer. I have not provided written authorization for the inclusion of account XXXX  - XXXX on my credit report. Thus, the inclusion of this account without my consent constitutes a clear violation of federal law. 

In light of the foregoing, I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. I urge you to take immediate action to rectify the inaccuracies in the reporting of account XXXX  - XXXX and to ensure compliance with all relevant laws and regulations. 

Please acknowledge receipt of this complaint and provide me with information regarding the steps being taken to address this issue. I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act AFFIRM INC 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
Product: Checking or savings account

I got a text message from my bank that said there was possible fraud activity. Was this you yes or no I didn't know then they said we're gon na give you a courtesy call. They called one time I ignored it. They called the second time they called from my bank chime because I have the number programmed in my phone. They told me that Chime had been breached and that we needed to change accounts and profile because of the breach, they sent me an email that showed a new account and routing number and then they moved my money to a so-called new account number which was actually a scam fraud phone number where they drained my bank account under the name of chime Like I said they called from chime bank now chime will not refund my money
Product: Debt collection

In XX/XX/XXXX I received medical attention at XXXX XXXX the total bill was for {$1000.00}. 

I made arrangements to begin paying the bill at the site : epay.parallon.com ( a Medicredit site ) with the first payment of {$170.00} being due on XX/XX/XXXX. 

They have continued to call and harass me about this debt weekly and even daily from multiple numbers stating that I am not paying the debt. I called the company on XX/XX/XXXX I called and explained in detail the payment arrangements that I had made on the debt. Again, on XX/XX/XXXX, I explained in detail the terms of the payment of this debt. I explained that my son had just died on the XXXX and that the debt was being paid and to LEAVE me alone during this difficult time and that any further contact would be considered malicious and cruel as the debt was being paid. They continued to call me on the XXXX, and XX/XX/XXXX, XXXX, XXXX from the primary number and from several other random numbers that showed up as Scam likely. But identified themselves as Medicredit. 

I received a threatening letter about the debt and an offer for a lower amount, when the final payment will be XX/XX/XXXX and the total debt in the amount of {$1000.00} will be paid. They deleted my online account to view where I set up the payments and refuse to allow me access to that account. I had used it to pay another medical bill this same year. 

I explained this to the people on multiple occasions even providing bank account reference numbers.
Product: Debt collection

To whom it may concern : Hello i checked my XXXX XXXX account Sat XX/XX/XXXX at XXXX and found out this debt was on my credit report in collection from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX number XXXX in the amount of {$200.00} date opened XX/XX/XXXX. Also it said original creditor XXXX XXXX XXXX and not once do i know of this account they never one time called or sent me a bill or letter explaining i owe a bill or if you do n't pay it will be on your credit report neither company. This is a problem for me .They just put it on my credit report without prior notice about anything. And this is what i would like to happen, is for it to be removed from all 3 credit bureaus and an apology letter from both companies saying this will be removed from my credit report and both companies to pay for my credit score being lowered because of their mistake in the amount of {$5000.00} each. They should not get away with affecting my credit score and they never once sent me a bill or letter i do n't know who or what this account is at all. I have no knowledge of this account. Thanks for your time.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these accounts reported on my Credit File which are completely unknown to me. Upon further research, I came to a conclusion that these accounts were the result of an Identity Theft. I don't know how the theft took place neither did I received any benefits resulting from the theft of my Identity. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an Id Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Remove the account XXXX XXXX XXXX XXXX
Product: Mortgage

We attempted to refinance our existing mortgage with US Bank. The refinanced mortgage was denied due to me being self-employed for less than two years. The denial for the mortgage is not my complaint. US Bank did respond to me and explained that it was due to human error that my loan application was accepted. My complaint is that they knew I was self-employed for only one year in the first discussion ( which was recorded ). They then collected numerous sensitive financial documents from my wife and I that they should have never requested or reviewed ( since I was not eligible for a loan with them ). These documents include numerous bank account statements ( not from US Bank ), brokerage account statements ( not from US Bank ), and two years of tax returns. Included in the documents that they asked us to sign was permission to share information within US Bank and to contact us with solicitations. My complaint is that they will not delete my sensitive financial information that was collected under the false pretense that I might be eligible for a refinance with them. None of the sensitive documents were the basis of the denial for the loan. They had the information that I was employed for less than two years on day one and in the initial documents signed disclosing the fees. I do not think that they should keep my financial information on file that they justified collecting due to " human error ''. Note that they continued to request documents over approximately 7 weeks with numerous people looking at the information ; all when they had the information on the first day that the answer had to be " no ''.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit card

I attended a presentation in XXXX, and the company ran my credit card for almost {$31000.00}. I did not authorize the charges. I revisited the merchant after seeing the charge, they provided me a letter stating they would refund my monies. this never occured. I called Citibank my card issuer, opened a fraud dispute at the customer service reps advice, heard nothing until XX/XX/XXXX where the case was closed as they stated this was not fraud it was billing dispute. I did speak with the investigator, she asked me to send in a notarized copy of the situation and then I opened the billing dispute. Weekly I have been contacting Citibank with no resolution, and this week they told me that too much time has elapsed and they could not assist me. there was not any moment I waited longer than 48 hours to return any documentation they asked for, and the initial charge back was open within 10 days of the charge. Since XX/XX/XXXX the merchant has disconnected their phones and removed website. I have asked the issue for arbitration, and they have told me I can not request arbitration on this issue as they need to open arbitration with the acquiring bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows on XX/XX/2023 united auto credit co, accessed my credit report info illegally and without my knowledge or consent.
Product: Student loan

Since XXXX the majority of my monthly payment has been Applied to Interest for Nelnet and very little towards principal. I was told my payments only have another month of interest payments to go and then payments will start applying towards the principal. Ive been making payments since 2017 and in a month my payments will be applied to principal which was the reason for this consolidation in the first place. So now, Im starting all over again to pay {$42000.00} in student loans. Everything paid since XXXX has been applied to interest. This consolidation was and is a scam. Ill be paying this out of retirement funds.
Product: Checking or savings account

Bank of the West : On XX/XX/2022 I was charged XXXX overdraft fees for transactions that did not overdraft my account. 

On XX/XX/2022 I was charged 2 overdrafts that did not overdraft my account. 

On previse dates I was charged overdrafts and fees that did not overdraft my account. 

I tried to resolve this with them over the phone and in-person with the bank manager and I was told that there was nothing that they could do, but that it was " Just their System ''. The Bank Manager said she could see exactly what I was talking about as it was simple math, but could not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. 


XXXX XXXX XX/XX/XXXX, XXXX XXXX PA XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, I do not recognize these inquiries and did not authorize them.
Product: Debt collection

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. PROCOLLECTION 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 an 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. 12 CFR 1006.34C was also violated. You do have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811. Any reporting of this alleged debt to any consumer reporting agency will be taken as an attempt to collect on an alleged debt that not only is fraudulent, but you have no legal right to collect on. 15 USC 1629i, FDCPA 807, 15 USC 1692 ( e ) ( 3 ) False or misleading representation. Each violation of the FDCPA that you have committed I am entitled to {$1000.00} per violation per FDCPA 813 15 USC 1692k Civil liability. 

Texas Statue of Limitations : Sec. 16.004. FOUR-YEAR LIMITATIONS PERIOD. ( a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : ( 1 ) specific performance of a contract for the conveyance of real property ; ( 2 ) penalty or damages on the penal clause of a bond to convey real property ; ( 3 ) debt
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion regarding their failure to appropriately respond to my dispute regarding inaccuracies on my credit report. 

On XX/XX/2024, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking number : XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I ensured to include a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

I received a response from TransUnion dated XX/XX/2024, stating that they had received my request, but it didn't appear that I or a properly authorized third party had sent it to them. On XX/XX/2024, I contacted TransUnion directly using the number provided in the letter ( XXXX ) to confirm my identity and the information I wished to dispute, as suggested. However, despite my attempts to authenticate myself, the agents I spoke with were unable to provide specific reasons for their doubts about my documents. 

The first agent, XXXX, mentioned that TransUnion might send such letters if they have any doubt with documents but couldn't specify what was wrong with mine. Subsequently, I spoke with a supervisor named XXXX, who indicated that TransUnion had reason to believe the documents were coming from a credit repair company. However, when I asked for specifics, XXXX stated that TransUnion could identify this internally and refused to process my dispute further. This response is not only frustrating but also a violation of my rights under the FCRA. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that TransUnion has failed to conduct a reasonable investigation upon receipt of my dispute, as required by law. 

Enclosed with this letter, please find a copy of my dispute letter sent to TransUnion, USPS certified mail proof of delivery, XXXX response, and proof of my phone call to TransUnion for your reference.