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

The auto insurance quote is high due to my driver record showing 2 not at fault claims. My actual 7-year driving record does not reflect that at all. The claims were for rear-ended accidents in which the first was paid by the other vehicles insurance ( my insurance company XXXX did not pay anything and the second was a hit and run rear in which the vehicle was not fixed and no payment was made by the same mention insurance company. I need these items removed so I can obtain a better insurance rate.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. utilization is an experience created by credit usage. XXXX XXXX and Experian is reporting Utilization which is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX Experian and XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, Privacy Act of XXXX It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of utilization are accurate and my privacy has been violated due to XXXX Experian and XXXX violated my consumer rights by allowing utilization to report to my consumer report! See attachments below!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2019 but did not list creditors. I changed my mind about filing bankruptcy and 11 days after filing, it was dismissed by the bankruptcy court. I never pursued bankruptcy, never identified any creditors, and never dealt with the trustee. It was dismissed and should have been treated like it was never filed given that no action was taken on it whatsoever. The bankruptcy is being reported to the credit bureaus via XXXX XXXX, not the bankruptcy court itself, which means a third-party with no knowledge or verifiable information is providing it. Also, my full social security number has not been provided so the credit bureaus do not know if the information is accurate or not but are still putting it on my credit report. I never went through with any aspect of the bankruptcy process. Therefore, my credit report should not reflect that I have a bankruptcy on my record. The third party reporting, lack of identity verification are prohibited by the Fair Credit Reporting Act. My rights are being violated by XXXX, XXXX, TransUnion, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. 
In accordance with Fair Credit Reporting Act, XXXX Has Violated my rights. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX Bank # XXXX has Violated my rights. Please Delete XXXX XXXX Bank Account from my credit profile. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting ActXXXX XXXX  - I didn't approve double hard Inquiry, XX/XX/XXXX & XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill it's legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed accounts, as Experian and XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Heres a sample letter you can use to dispute the inaccurate information on your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear XXXX XXXX , I am writing to formally dispute an inaccuracy on my credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information, and I request that this error be investigated and corrected promptly.

The inaccurate information is as follows : Account Name/Number : XXXX XXXX XXXX XXXX Inaccuracy : The report states that I have made 0 % of payments on time and that my payment status is 30-59 days late. However, the report also indicates that my amount past due is {$0.00} and that my last payment was made on XX/XX/XXXX. These details conflict, as a {$0.00} past due balance suggests the account is current and not late.

Please investigate this discrepancy and correct the inaccurate information on my credit report. Enclosed are supporting documents to help with your investigation [ Include any relevant documents, if available ].

I request that the corrected credit report be sent to me at the address listed above. Additionally, please provide me with written confirmation of your investigation results.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Make sure to customize the placeholders with your personal details and send the letter via certified mail for tracking.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Records on Experian, XXXX, and XXXX Credit Files Dear CFPB, I am writing to formally dispute inaccurate late payment records reported by One for my account ending in [ XXXX ] on my Experian, XXXX XXXX and XXXX credit files. These records incorrectly reflect : Two 30-day late payments Two 60-day late payments These entries are inaccurate, as I have consistently made on-time payments for this account. 

I have contacted both One and the credit bureaus to resolve this issue but have not received an adequate response or correction. I am now seeking your assistance to investigate and correct these errors. 

To support my claim, I have attached the following documentation : Copies of my Experian, XXXX, and XXXX credit reports with the disputed late payments highlighted The inaccurate reporting has caused significant harm to my credit score and financial standing. I kindly request the following resolution : 1. Immediate removal of the inaccurate late payment records from all three credit bureaus ( Experian, XXXX, and XXXX ). 
2. An update to my credit score to reflect the removal of these errors.

3. Written confirmation that the corrections have been made and that these late payments will not reappear on my credit file. 

Please let me know if additional details or documentation are needed to resolve this matter. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance in ensuring the accuracy of my credit report. 

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

My personal information was stolen and used to open fraudulent and unauthorized accounts in my name. 

I am writing to dispute the accuracy of certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide. I believe that XXXX has failed to uphold this standard regarding the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following Captial One Account # XXXX for balance of {$1800.00} was disputed and still showing on credit report. This account was charged off and still shows a past due balance on the account. That is a violation if this account was charged off was cxl there should be no balance reflected on my credit report a charge off means the debt was cancel. This is reporting negatively on my report and is affecting my score please delete off my credit report due to reporting inaccuracies and per U.S. code 1681 ( c ) please update and delete. I sent various letter and sent many disputes this company does nothing was updated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires were not approved and I do not recognize the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I tried to open a My Social Security account. In order to verify my identity, the form asked questions based on Equifax 's credit file for me. The questions related to loans, leases, accounts, addresses, former names, etc. that did not pertain to me. 

I called Equifax 's help center & was presented with a similar set of questions that Social Security presented me. I could not answer the questions, as these were not my accounts, loans, etc. The person refused to speak to me because I could not answer the questions. 

For the next 6 days, I tried both Equifax & Social Security again. Each time had similar error questions. 

On XXXX, I called Equifax again. The problem remained. I asked for a supervisor and the call was terminated by Equifax. I called back & was told to send certain information to Equifax so that i could repair the problem. I faxed the information immediately. 

On XXXX I received a mailed credit report from Equifax. The error information from XXXX, etc. was not on the report. I called Equifax back. Again I was presented with several questions to verify my identity. The questions still related to someone else, so the agent would not speak to me. I asked for a supervisor & the call was again terminated by Equifax. 

On XXXX I tried calling Equifax again. The same incidents occurred. No agent would speak with me. I asked for a supervisor and the call was terminated by Equifax. 

For several days, I called Equifax again. The problem with the questions remained the same and again, a sking for a supervisor resulted in being disconnected. 

On XXXX, I wrote to the CEO of Equifax ( by US Mail ). 
As of this date ( XXXX ) I have received no reply and the call-in questions remain the same. 

It appears that Equifax has my file mixed with someone else 's file, at least for the part that is used to verify ones identity. 
Therefore : A ) I am prevented from answering identity verification questions for any entity that uses Equifax for such verification. The Social Security Administration is one example. Equifax themselves is another. 
B ) I am prevented from ever speaking with anyone from Equifax to correct any erros which may exist on my credit file. 
C ) I am prevented from enrolling in Equifax 's on line system to monitor, lock or dispute my account. 

I apologize for taking your time, but I am out of options to get this computer error repaired. 
Thank You for helping. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block it
Product: Credit reporting or other personal consumer reports

I am urging the elimination of this account from my credit report because it is not rightfully mine, and its inclusion disappoints me greatly. According to FCRA 605B, this must be expunged owing to unjust and inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.
Product: Credit reporting

Upon being denied from a lender for " too many inquiries '' from XXXX report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason 1. XXXX XXXX date XX/XX/XXXX 2. XXXX date XX/XX/XXXX 3. XXXX date XX/XX/XXXX 4. XXXX XXXX date XX/XX/XXXX 5. XXXX date XX/XX/XXXX 6. XXXX date XX/XX/XXXX 7. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$26000.00} XXXX XXXX Balance Owed : {$620.00} XXXX  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 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. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Debt collection

XXXX XXXX for rent hired a collection agency, Hunter Warfield to collect a debt I do not owe. 

I disputed the debt by certified letterXX/XX/2019, and they never sent me the proof of the debt. 

They just reported me to the credit reporting agencies without sending me proof of the invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting an inaccurate account balance of {$11.00} and i do not owe that amount.
Product: Credit card or prepaid card

I have made multiple attempts to find out if I have a Wayfair bill, and if there is a balance owed on this account. However each time I was unsuccessful. I have not received a bill or statement in the mail since XX/XX/2022. When trying to log into the website to see if I had a balance, or why I was not receiving any mail from Wayfair it would tell me that there is no account by the information I was giving them. I tried multiple different ways ( username, account number, social security number ) but no matter what i entered I was told that there was no account. When I went to apply for a mortgage in XXXX I had noticed that there was a delinquency showing on the credit report, I tried to call the phone number that I had but they told me that I had no account with Wayfair. Finally, on XX/XX/XXXX after spending many hours doing some research, I was able to get a representative on the phone. The representative told me that I had an account in the past but it was showing a XXXX balance and there was nothing that I needed to pay. He then contacted a supervisor because I did not understand how if I had a XXXX balance why there would be a delinquency showing on my account.This situation is very deceptive because their own representative is telling me that I do not owe any money. After speaking with the supervisor he told me that there was some sort of problem in their system from a change that they had made not too long ago and that this has also been a problem for other people as well. He gave me a XXXX XXXX mailing address to send a letter asking someone to reach out to me so that I can get further help with this problem. I sent a letter to Wayfair on XX/XX/XXXX but still have not even heard anything back from the company. This is unfair because this is preventing me from being able to purchase a new home. This is abusive because I have now suffered from a damaged delinquent account on my credit report. I feel that I have been patient enough in waiting for someone to respond to my previous letter that was sent almost a month ago. It seems that no one has an answer as to why this happened and i feel that they have not helped try to resolve this issue at all.
Product: Credit reporting or other personal consumer reports

There is an account appearing on my credit report under XXXX XXXX with a current balance of XXXX. This account is not mine and is appearing on my Credit Reports. 

I contacted XXXX at the address listed and provided a copy of the credit report as requested. By letter dated XX/XX/XXXX, I was informed they had concluded their investigation into my issue and was advised the account data would be removed. 

It has not been removed from my credit report as of yet. I would greatly appreciate any assistance in getting this erroneous acct information removed from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.