23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S Code 1681e ( b ) accuracy of report. When ever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please removed the following items from my credit report : Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address in incorrect, please remove it from my credit report immediately Account XXXX. XXXX this account is being reported inaccurately. Please remove it from my credit report immediately
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # beginning 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

Contacted company a few years back and have tried to dispute this account off from my credit account multiple times. Company is showing as late payment, this car was purchased from another company and hadn't reported the payments that were made toward the account. After months and months of disputing/contacting each company, the account was updated but showed two payments reported as late from my account. I then had the car loan paid and refinanced to another company, but the closed account still shows bad payment history on my file hindering me from further potential opportunity. I contacted this company and was told that they can no longer look into the account or its details after the account had been sold/refinanced to another company to see details regarding the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX I have sent letters letting XXXX XXXX and Transunion about these unauthorized inquiries on my credit report. Also I have filed an affidavit.TransUnion sent me something back with saying verified as accurate with no proof at all.I am keep requesting that they send me something back saying who did this to my credit report so I can figure out this fraud. Credit plus doesn't send me anything as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that Equifax, XXXX XXXX, and XXXX delete XXXX XXXX/XXXX account ending in # XXXX and XXXX/XXXX   account ending in # XXXX from my credit report due to inaccuary, because it was deleted from my XXXX, XXXX, and XXXX credit report. Please remove these accounts under the FCRA that it is not accurate or verifiable. Under section 609 of the fair credit reporting act if they can not be verified as accurate or have proof of the validation of debt it must be removed from my credit profile. Equifax, XXXX XXXX or XXXX XXXX has not provided me with a sign contract or anything with my signature validating this debt. Under the FCRA I have the right to sue Equifax, XXXX XXXX and XXXX  XXXX due to violating under the FCRA. Please delete these accounts so no further action can be taken.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I make complaint on Consumer Financial bureau complaint website for Wells Fargo Bank ( XXXX ). Wells Fargo Bank continue to put false information on my credit report. I ask Wells Fargo Bank to stop putting false information on my credit report On XX/XX/2018, the complaint was closed because as Marked as a duplicate complaint. Wells Fargo Bank trying use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) They are putting false information on my credit report. ( 2 ) They do not have wet ink signature that sign contract with them to open up a credit card. ( 3 ) They claim that it was charge off. If the account is charge off, then there should be no balance because they got money from taxes and also charge off debt is worthless and no long able to collect. ( 4 ) The state of limitation have pass and they still are trying to collect. ( 5 ) I send a request for debt validation and unable to give me proper debt validation. ( 6 ) They are trying over charge me fee. I feel that Wells Fargo Bank is trying to take advantage of me because I XXXX male. I feel that discrimination is wrong. I am willing to pay off the debt that you claim I owe if you are will to provide me with the original contract I sign with ink signature. I will have expert document look at contract. Wells Fargo Bank refused to pick a date for us meet in person and have expert document look at the original contract. They still put false information on my credit report, which I think is wrong. The Wells Fargo Bank is still the doing same thing. I am still asking for the same thing. They are still put false information on my credit report. I am requesting Wells Fargo Bank to stop putting false information on my credit report. Deleted this account of my credit report.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX sent me a letter dated XX/XX/year> saying they closed the fraudulent account then I get alerted by XXXX of a debt collection agency LVNC Funding LLC so I called the company in XXXXXXXX XXXX said I owed money in my old last name at an address in XXXX. Ive lived in XXXX all my life They sent me mail to fill out get it notarized I sent it today. And sent them email. My identity and social security was stolen XXXX XXXX XXXX
Product: Debt collection

There is a collection which is unknown, outdated and no verification obtainable. Requested several times. Please help National Credit Systems # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment CONNS - XXXX - {$5300.00} XXXX XXXX - XXXX - {$1800.00} =
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the fraudulent accounts listed on my Equifax Credit report multiple times - I was a victim of identify fraud years ago and discovered them - not to mention a victim of both Equifax and XXXX 's information breaches. I obtained a police report, provided my identification, and my proof of address and submitted disputes to XXXX, XXXX   and Equifax. It did take some time but after months of verification, reinvestigation and working together with the credit reporting agencies, both XXXX and XXXX   removed the bogus fraudulent information and corrected all of the errors on my report. Equifax who have all the exact same information on the errors have deleted non of the error from my report. Therefore, XXXX  shows me with excellent credit and a FICO score of XXXX, XXXX shows me with excellent credit and a FICO score of XXXX and Equifax shows me with very poor credit with a FICO score of XXXX. 
I will be retiring soon and found the errors as I started to prepare to sell my real estate property to look to by a retirement property and discovered I had to delay until I clean this mess up. Equifax if harming me in an unmeasurable way. They were the most reckless with my personal information and are now making it impossible to clean up their mess. They should be fined and in fact prevented from handling any ones personal credit information all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/XXXX XXXX and XXXXXXXX XXXX XXXX. The Account Opened is SYNCB/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported incorrect, fraudulent information on my credit report, TWICE. In XX/XX/XXXX, I paid my XXXX XXXX credit card balance in FULL. I then, called and requested that the account be closed. They did as I requested. In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. XXXX XXXX WAS NOT included in my Chapter XXXX BK. I have my original court documents to validate this fact. Months after my BK was discharged, I reviewed my credit report and discovered that XXXX XXXX reported that they were included in my Chapter XXXX BK, which is FALSE. At the advise of an attorney, XX/XX/XXXX, I mailed XXXX XXXX a letter, disputing the incorrect, damaging information that they added to on my credit report. XXXX XXXX sent me a letter indicating that they would remove the incorrect reporting from my credit file, it was removed. XX/XX/XXXX, I was sent an alert from one of the major credit bureaus informing me that XXXX XXXX reported my account as active and could add information to my credit report that could be POTENTIALLY NEGATIVE. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX within their accounts dept. XXXX began explaining to me ; that they KNOW my XXXX XXXX account WAS NOT INCLUDED in my Chapter XXXX BK, BUT because they are a small bank, they could report the Chapter XXXX BK to the credit bureaus. I told them that they are committing FRAUD and adding conflicting reporting to my credit report that is DAMAGING and hinders my ability to receive new credit when I apply. I told them, if they do not REMOVE the damaging CONFLICTING FRAUDULENT information from my credit report, I will request that they be held in contempt by the XXXX XXXX Bankruptcy Court AND I will file a complaint against them for committing fraud and possibly trying to defraud their insurance company.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 XXXX 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: Mortgage

This morning I called my credit union, Navy Federal Credit Union, in an immediate response to a letter I received which stated incorrect charges and due dates. When the agent responsible for my account, XXXX, told me that the letter was correct according to his records, I told him that I would look into the matter with my connection with the XXXX. Following my research I learned that I was correct, there was no lack of payment for the last two months, and, once again, my credit union was in error. I then called the credit union back to correct the problem and was told that I could not make changes to correct the problem via the phone. I then asked to have a copy of my statement with a payment history sent to me and was told that it could be faxed to me. I told the customer service department that I did not have a fax number handy and would have to accept a postal copy. I later called again to give a fax number and was transferred to the original agent, XXXX, who rudely told me that he would not give me a copy of my statement or payment history because of the finalized bankruptcy associated with the account, even though the loan was reaffirmed. I insisted that I was entitled to my statements and payment history for the last six months in order to correct the error in their records and he still declined to honor my request. XXXX also told me that he stopped the processing of the postal request that the customer service department was preparing.
Product: Credit reporting or other personal consumer reports

There are multiple hard inquiries I see here in my account that I did not authorize or know about down below will list them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all the ones I did not approve there are connected and reported to all the major credit bureaus they all repeat and connect with XXXX, TransUnion and XXXX they all repeat for each hard inquiries I I would appreciate if these can be removed as I did not authorize or consent to these at all.
Product: Debt collection

I was called about a {$400.00} utilities debt that I allegedly owed from a company in Texas. I advised them that I never lived in Texas, not even when I was in the military. I asked for validation proof that shows I signed up for and agreed to these utilities. They could not provide that to me. They provided an incorrect email address as well as an incorrect property address. I advised them that it was fraud. I advised them that I've only had a Florida identification and don't understand how I could be living in Texas while i live with my family in Florida. The company has now reported it to the credit bureau causing my score to drop and potentially lose my job. If this happens I will have no other choice but to pursue legal action for the false report.
Product: Debt collection

Pursuant to section 805 ( b ) of the FDCPA I am demanding that you do not share my personal information with anyone. You do not have my consent to sell or share my personal information with any agency.
Product: Checking or savings account

On XX/XX/2021 i attempted to make a debit card transaction with my business debit card. The transaction was declined, and i had sufficient funds to cover the transaction. I called the BB & T Help number listed on my card, after being on hold for an hour and 32 minutes i spoke with a representative, who then transferred me to the fraud department. The representative in the fraud department informed me that BB & T had chose to close my business account due to a check being returned that was deposited into my account and due to the age of my account ( being fairly new ) i have been banking with BB & T for about 8 months now. I expressed to them i have no control over funds availability from checks that my clients right me, if they write me a check i assume that the check is good. We should not be penalized for this as it is out of our control. My account balance at this time is {$12000.00}. The bank has frozen these funds and say that they will be releasing them within 15 business days, which correlates to the end of XXXX. I am also going to have to open a new business bank account, notify my merchant processing company of changes to account information for incoming deposits my customers make via our online portal which is the method 95 % of my customers choose to pay. This change takes 10 business days. I can not begin to express the problems that holding this amount of money will cause for our business. We will also be delayed from receiving any future payments from clients until a new bank account is opened and the bank account change processes with our merchant processing company. All in all BB & T will be causing our business to operate without funds for close to a month. For a new business operating off of cash flow, this is crippling and will likely put us out of business or set us back so far that it will take a very long time to crawl out of. After making it through COVID19 we thought we had made it through one of the darkest times we would face, i now stand corrected.