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

On XX/XX/XXXX as I was checking out my Transunion credit report I notice several inquires on my credit report that I did not authorized. Below are documention of inquries in question. 

1. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX 2.XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 3.XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 5.XXXX XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 6.XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 7.XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers XXXX Used Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

OnXX/XX/XXXX and XX/XX/XXXX I have disputed FDCPA violations that XXXX XXXX  has reported on my consumer report. The violations are 15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] 15USC 1692 ( g ) b. I have requested XXXX to cease and desist all communications and to correct inaccurate reporting. XXXX system has stated Please be advised that we can not effect a change to how any other company may have listed the above account on your credit profile. It seems like XXXX system is stating that they have no part in reporting of this inaccurate account. I have attached their response to this compliant.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and l 've noticed this problem on my credit report in XX/XX/year>. 1 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I was hoping that you can delete these items that are listed below. I need to get my house loan to be approved as soon as possible. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. XXXX is falsely stating this information on my credit report and have yet to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX, Account # 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 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit card or prepaid card

I am writing to you in regards to my Wal Mart credit card account. In XXXX, XXXX, Wal Mart Credit Card was transferred to Capital One Credit Card Company. At this time, I was not receiving my monthly statements due to an error in the system. I could not contact Capital One directly because I no longer had this credit card. I realized there was a problem with this account when my husband and I tried to refinance on our home. Our loan officer pulled our credit report and informed me of this delinquent account. Our loan officer provided me with a phone number to call Capital One. 
From XXXX XXXX to XX/XX/XXXX, I did not receive my monthly statements so I made online payments of {$75.00} each month. The problem is that I did not realize that the minimum payment was {$120.00} which caused this account to be delinquent. No one from Capital One contacted me. The late fees were added and credit reporting lowered my credit score from XXXX to XXXX. As a consumer, I know how important it is to pay your bills on time. My husband and I are trying to refinance our mortgage loan. Because of this one credit card error, it has caused my credit score to drop drastically and not be able to refinance on our home. 
When I called Capital One last Thursday, XX/XX/XXXX and spoke with three different supervisors, I soon found out that my address was listed in their system incorrectly as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX. Over this 5 months period, no one from Capital One tried to make contact with me. I did speak with XXXX, Capital One supervisor, she informed me that she was not able to take off the late fees and resend the corrections to the credit bureaus. She asked me to put this claim in writing and make a dispute. As a consumer, I do not feel that I am being treated fairly. 
I am hoping that by filing this claim, the CFPB can investigate this case. You can also see from my credit report that I do pay all of my bills on time. Ultimately, I would like for Capital One to remove all of the late fees, correct the error, and report correctly to all 3 of the credit bureaus. I truly appreciate you looking into my case and I hope that this can be resolved very soon.
Product: Money transfer, virtual currency, or money service

180 days ban of my paypal account is over they even send me an email regarding it. They also said I can withdraw my wallet balance now but when I tried to withdraw it using the existing bank account it just gets denied days later and they removed the bank account. My problem now is I tried to add a new bank account but they won't let me. They keep saying I can't add because my account has issues and when I go to my notification it's just said the same notification I got 180 days ago that my account has been permanently banned. My question now is how can I withdraw my hard earned money?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right. 

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

Under my Social Security Number on my credit report, Experian shows a Bankruptcy claiming the information was provided by XXXX Risk Data Management, and all their investigation resulted being accurate. After following up with XXXX on this item on my report, first XXXX notified me there has been no investigation submitted to them by Experian on this item, and secondly, XXXX investigation resulted in the removal of the item and clearing the Bankruptcy report from my file and notified Experian of the result. However, Experian refuses the removal of this item from my report or reinvestigation of this item on my report. 
I have submitted 2 letters to Experian, 1. From California Central Bankruptcy Court indicating they never report to Credit Reporting Bureau ( See attache ), XXXX. XXXX letter notifying me they have investigated this item and have removed the item from my Report. 
I have also attached a copy of the screenshot from my Experian report showing they received this information from XXXX, and they have also previously claimed they have purchased this information under Bulk information purchase and does not fall within FCRA rules and regulation of personal data must be reported by original source of the information. 
Clearly, Experian has violated my FCRA rights and neglected to properly investigate the information, as well and ignoring evidence and notification from the external source of their date.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act, 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. 

These accounts [ Name : XXXX Acct # XXXX ] are not complete and accurate, [ Name : XXXX XXXX XXXX Acct XXXX XXXX ] are not complete and accurate, [ Name : XXXX XXXX XXXX XXXX Acct XXXX : XXXX ] are not complete and accurate [ Name : XXXX XXXX XXXX XXXX Acct XXXX : XXXX ] are not complete and accurate, [ Name : XXXX XXXX Acct XXXX XXXX ] are not complete and accurate, [ Name : XXXX XXXX Acct # : XXXX ] are not complete and accurate, [ Name : XXXX XXXX Acct # : XXXX ] [ XXXX  XXXX ] date last active is not reporting correctly, date of last payment is not correct, last reported date is not correct, high credit is not reporting correctly, this account is absolutely not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date of last active is not correct, last reported date is not correct, high credit is not reporting correctly, this account is not accurate. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, balance not reporting correctly, last reported date is not reporting correctly, last date active not reporting correctly, date of last payment not reported correctly, this account is not correct. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, balance is not reporting correctly, Number of months ( terms ) not reporting correctly, past due not reported correctly, payment status not reported correctly, last reported not reported correctly, date last active not reported correctly, date last payment not reported correctly, this account is not correct. 

[ XXXX XXXX  XXXX ] date opened is not reporting correctly, last reported date is not reporting correctly, date last active is not reporting correctly, this account is not correct. 

[ XXXX XXXX XXXX ] open date not reporting correctly, no of months ( terms ) not reporting correctly, last reported date is not reporting correctly, date last active not reporting correctly, date of last payment is not reporting correctly, this account is not correct. 

[ XXXX XXXX XXXX ] open date not reporting correctly, no of months ( terms ) not reporting correctly, last reported date not reporting correctly, date last active is not reporting correctly, date of last payment is not reporting correctly, this account is not correct. 

I've sent certified mail to Transunion on XXXX tracking # XXXX asking Transunion to reinvestigate the completeness and accuracy of the accounts listed, Transunion has failed to comply under 15 USC 1681e ( b ) and 15 USC 1681i, which was required to ensure the maximum possible accuracy of the information on my credit report and conduct a proper reinvestigation of any disputed information. Transunion did NOT ensure the maximum possible accuracy. 

Can you look into this problem please.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted all XXXX bureaus in XXXX of XXXX by telephone and notified them of incorrect name and address information on my report. I also notified them that there were several accounts opened that were not mine, and to please put a fraud alert on my account. They did and did remove some accounts. But they did not remove the incorrect names, nor did they notify me to send in documentation to verify my identity, although I had explained to them that the XXXX had seen that someone used my XXXX number to open student loans. They put back the inaccurate name and address information on my credit report without notifying me. Some of this information belongs to my ex-husband. Why it is on my credit report, I do not know. Also, they are reporting information that is over seven years old, Other than that, there are XXXX accounts, that someone opened in my name, through a loan agency I had previously used and did not pay, XXXX was paid and is reporting as paid, and XXXX is reporting as closed and never paid on, but I could never afford a loan of that amount. I have repeatedly contacted them to remove this information for the last six months regarding the incorrect addresses and names, Also the XXXX accounts not opened my me being XXXX opened in XXXX and XXXX XXXX, I have spoken to XXXX and they confirmed that it was NOT my account. They did their investigation online and did not send me any reports, so I do not have any documentation.
Product: Mortgage

There are many dates involved! Primarily approximately on XX/XX/2023 a cease and desist letter was mailed to corporate office of XXXX XXXX XXXX XXXX. I instructed to be contacted by mail only. XXXX XXXX XXXX XXXX I spoke to many times afterwards asking him to refer this to the legal department. He refused!. I've kept recordings starting XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. XX/XX/2023, & last call so far XX/XX/2023! This violates my rights and the cease and desist letter. There's an open civil lawsuit court case XXXX. I have received in the mail notices to default and intent to foreclose in which I have responded to. I have yet to receive a rebuttal, solution, and or a settlement without the judge and the magistrate help! I have mailed LEGAL notices to the Mers registry, XXXX, XXXX, XXXX, FTC & the different entities of Flat Branch Mortgage! Reporting the fraud and intimidation and the right to add them to the lawsuit moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports the other day and noticed that these accounts are inaccurate, and I need them removed from my credit reports because it is destroying my life! In Accordance With the Fair Credit Reporting Act the accounts listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I never provided written instructions. 15 U.S.C. 1681a-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. Someone knows that this information is inaccurate, and is negligent in correcting my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was added to my account that was settled. I sought legal action against XXXX XXXX and this was previously removed. I would like this to be removed from my report as it is not correct information and it fraudulent.
Product: Debt collection

Transworkd inc sent repeat emails for me to pay this debt off for XXXX  XXXX and gas. I called and asked repeatedly if I pay this would this be deleted and I get a pay deletion letter. I paid this debt and they did not send the letter and hey also just put the account balance to XXXX instead of deletion. I am very hurt as this destroyed my credit taking it down XXXX points. I am upset and very disappointed in this situation. Thats is bad business. I am a low income household trying to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am told that i must get confirmation from the creditor who placed the information on my report but the creditor referred meto the the credit reporting agency. 

I am expected to go through extreme measures to remove inquiries that i do not recognize but it took them only a few seconds to place the misinformation on my report that was not confirmed by me. 

The reporting agencies are supposed to protect the consumer but it is clear that the their loyalty belongs to the those who pay them and keep them financially solvent. 

If the credit reporting agencies are no protecting the consumer, why do they exist. Maybe they should be disbanded or the inquiry reporting done away with so that it is no longer an impossible challenge when the consumer is faced with fraud and unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to CFPB again because you are the governing authority to monitor and ensure the credit reporting agencies are maintaining accurate information. However, I have mailed certified letters to Equifax the last six months and this information has not been corrected. I am asking that you comply and enforce current federal laws and make them correct this information. This is my last attempt to resolve this matter with Equifax before seeking legal action against them. 

This is also my notice of my intent to file litigation for multiple violations of the FCRA. 

I pulled my credit report from XXXX and XXXX whom both confirm that the information they are reporting is coming directly from the Equifax database. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX XXXX, XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX XXXX, XXXX XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting the following open accounts. These accounts are not mine. I have sent certified validation and verification letters to each creditor and they have not been able to confirm these accounts are mine. However, Equifax continues to report them. Under federal law until an account has been properly validated and verified according to article 609, they may not be  reported on a consumers credit file. 

Equifax needs to immediately remove the following : - XXXX XXXX XXXX  - XXXX As of XX/XX/2020, Equifax continues to report 69 outdated and invalid and unauthorized inquiries. The creditors have been unable to provide proof of such authorizations. 

- See attached document As of XX/XX/2020, Equifax continues to report the following inaccurate and unvalidated collection accounts : - XXXX  XXXX  - XXXX  XXXX  XXXX  As of XX/XX/2020, Equifax also continues to report inaccurate bankruptcy information. I have contacted XXXX XXXX and confirmed that they do not have the same matching information and have not verified this information for Equifax. Equifax claims that they use services from XXXX XXXX to validate court information. I also have contacted the court system and was informed that the courts do not verify or validate court information with anyone. Not Equifax or XXXX XXXX. 

Your assistance with this matter is appreciated. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

There is a collection account on my credit report which is I am not responsible for. Which is XXXX XXXX XXXX on my credit report which has ben unlawfully put on my credit report. I do owe this company at all .This debt is not mine and I am not responsible for it.