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

State of XXXX XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on XXXX, Equifax and, XXXX XXXX. 
Reinvestigation : I would like a reinvestigation on these account pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( b ) ( XXXX ). 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me. 
Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error. 
Late payments : I dispute the accuracy of the following late payments listed on my credit report : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and, XXXX XXXX XX/XX/XXXX. These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX myself, my fianance, and the gentleman who had the loan with The Bank OZK went to the XXXX branch to pay of his XXXX XXXX motor home. We took a cashier check drawn on XXXX XXXX XXXX in the amount of {$25000.00}, a cashier check drawn on XXXX Bank in the amount of {$130000.00} and {$29000.00} in cash to pay the loan off because we were purchasing the motor home from the the indivdual who had the loan with the bank. We were told by the woman at the bank that processed the payoff that she would ask that the title be expedited because there was a ten-day hold because the monies were not wired. We were not told that if the monies had been wired we would receive the title quicker until we were leaving her office. We were told by an employee at the call center that they also do a ten-day hold on wired funds. 
On XX/XX/XXXX, both cashier checks cleared the banks they were drawn, and The Bank OZK had the funds needed to satisfy the loan. On XX/XX/XXXX the man with the loan was told that the loan was satisfied and the lien had been cleared, but still they hold the title.
Product: Debt collection

On XXXX XXXX, 2016 I reviewed my credit report and noticed an account that I do not recall therefore I sent a validation. The validation letter was sent on XXXX XXXX, 2016 requesting information the account Westlake Financial Services claims I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 also states a consumer reporting agency can not furnish an account without my written instructions. The investigation conducted was not correct and this collection should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX, Equifax Credit Bureau 's security was breached, allowing for 143 million Americans information to get compromised. My information was compromised. Equifax has not offered a solution. Instead of informing victims immediately, they decided to do a press release two to three months after the incident, in XXXX. I have had to place credit freezes with all three bureaus, replace three credit cards, activate fraud alert, and take identity theft precautions as a result. I have also been forced to pay a ten dollar fee to Equifax to place a credit freeze with them, which is upsetting, because I should not have to give them money to fix a problem they are responsible for. Equifax does not have the technological competency to be running a credit-reporting business, and their gross negligence has affected my life, and my family 's life, deeply. Now I run the risk of having my identity stolen, and having to freeze and unfreeze my account for loans/credit indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report. Unfortunately after this evaluation I found inaccurate and questionable items. According to 15 U.S. Code 1681e ( b ) Accuracy of report - 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. 

With that being said, we can see under 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. 

Thank you for assisting with this matter. 

On Transunion, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Bank account or service

XXXX XXXX, 2015 between XXXX XXXX, I was denied entry into the Key Bank located XXXX XXXX and XXXX XXXX. XXXX, XXXX, Ohio because of racial discrimination. I am a man of XXXX descent. 
I and my XXXX sisters were there to discuss an outstanding loan debt with a loan officer when they locked us out, but allowed only white customers entry into the establishment to transact business. Though, after about XXXX minutes, I and my sisters were allowed entry finally. We asked why " we were not allow but white customers were, '' the Relationship Manager on duty, XXXX XXXX said, " because there system was down. '' What a terrible explanation, seeing that white customers had no problem gaining entry and transacting business, but I and my sisters were denied that opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on my account in Equifax. I am going through the process of refinancing my mortgage. I need to unfreeze the account so the bank can get a credit rating. I can't get equifax to lift the freeze because they say i can't verify who I am. I have sent the documents needed as they have asked me to fax to them and I still can't get the credit freeze lifted.
Product: Credit reporting or other personal consumer reports

I have been affected by the 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. Please remove the following accounts from my credit report : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Bank account or service

I responded to a promotion for a new Citibank account. That account was funded on XXXX XXXX, 2016. I contacted Citibank in XXXX to check the status and was told I needed to complete a XXXX form. I mailed the completed form to Citibank on XXXX XXXX. In XXXX I called to check on the status and was told to wait 1 more month. I called today and was told they never received the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I informed Equifax that a previously DELETED Account XXXX XXXX XXXX acct # XXXX, had been re-inserted onto my credit file and that I was not notified by them within the 5 days per FCRA. To date, the entry is still reporting on my file.
Product: Credit reporting

There is a dispute with XXXX XXXX. Without my consent and no notice, they have reported this account to the credit bureaus. It has been disputed. I even hired an attorney regarding this dispute. I will attach the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft with XXXX  XXXX. I went to go check my consumer report and saw there was a late payment with an account thats on my credit profile that doesn't belong to me. That account is with XXXX XXXX as a credit card titled XXXX XXXX REWARDS FROM XXXX XXXX with a balance of {$4800.00}. This card does not belong to me and is fraudulent. I submitted my FTC REPORT on XX/XX/2023 and sent out to XXXX, EQUIFAX AND XXXX ON THE SAME DAY, it is XX/XX/XXXX today and I have yet to hear back from XXXX, EQUIFAX AND XXXX. This fraudulent account is causing me financial injury as I try to keep up with my consumer report and I have been denied getting a home loan.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX is hard to get into contact with i am trying to get a refund and it cancel my loan with XXXX. I have tried to contact XXXX  as well with no results. I am paying for a product o can not use and woukd like a refund. Times are hard right now and am unable to pay for a product I can not use. Please help. I have paid over XXXX. And still owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I attempted to remove the lates in lieu of good faith payments and the company hasn't complied.
Product: Vehicle loan or lease

I contacted Global Lending Services on XXXX XXXX with a cease and desist due to them repossessing the vehicle and did not hear back after 30 days. The term " Communication '' means conveying of information regarding a debt directly or indirectly to any person through any media. According to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX account reporting on my consumer reports on both consumer reporting agencies. ( XXXX and Equifax ) I want this account removed because it is an incomplete account and a paid off debt that has been closed since the year 2016. That statute of limitations on debt is 6 years in Tennessee. It has been almost 7 years later. The account is inaccurately reporting on both consumer reporting agencies and pursuant to the Fair Credit Reporting Act of 15 USC 1681e ( b ) Compliance Procedures ( b ) Accuracy of report 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. The account mentioned is incomplete and therefore inaccurate.
Product: Debt collection

This company stated in complaint number XXXX that they would remove the 2 accounts that they listed on my credit reports. However, they have failed to honor what they said and remove the 2 accounts. This was the company 's response and entire statement on XX/XX/XXXX : " ARC Management Group only reports to one credit bureau, XXXX. If there are reports on any other bureau, the data was not supplied by ARC Management Group as we do not have an interface for reporting data to any other credit bureau. In good faith, we have removed the reporting to XXXX while this matter gets straightened out. As for the validation notices that includes your rights to dispute a debt, the notices were sent out as follows by ARC : ARC File # XXXX Mailed on XX/XX/XXXX, ARC File # XXXX Mailed on XX/XX/XXXX, ARC File # XXXX Mailed on XX/XX/XXXX, ARC File # XXXX Mailed on XX/XX/XXXX. Your account indicates that you did not have insurance at the time of each visit. Please contact us at XXXX or email us at XXXX to provide any coverage you may have had during your visits. Debt validation documents have been sent to the address we have on file. If you have moved or would prefer to receive the validation documents via email, please call our office. At this time, we request that you contact our office at XXXX to see what options are available to you to clear this debt. Thank you! '' Again, this is exactly whatthey sent me verbatum, but yet nothing has happened in almost 60 days! Please help me get these items removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX, GA XXXX PRE-LITIGATION//PRE-ARBITRATION NOTICE I XXXX XXXX/Federally Protected Consumer to Consumer Reporting Agency . None of your company policies and procedures TRUMP FEDERAL LAW PERIOD. IT IS NOT XXXX XXXX JOB TO DO THE EQUIFAX JOB AT ALL. STOP LYING TO CONSUMERS BY SAYING THEY ARE SUPPOSED TO CONTACT EACH CREDITOR TO WHO YOU GAVE ACCESS TO CONSUMER REPORTS. I am a natural person who is at all times relevant, instead, Your agency has continued to ignore and refuse my written request for a proper investigation into EACH soft and hard inquiry you have allowed without my written consent. I have expressed to Equifax my concerns of identity theft due to the non-permissible inquiries your company has allowed to be placed on my Consumer Report. Equifax 's help in unauthorized conduct has resulted in significant harm to me. These hard inquiries are in fact negatively impacting my credit score on a daily. Equifax 's conduct has caused me XXXX  distress, and mental anguish and I fear identity theft. I am desperately trying to protect my privacy and enforce my rights. Equifax 's systematic practice of selling, and sharing my consumer reports for monetary gain without permissible purpose prescribed by the FCRA constitutes a willful and malicious violations of 15 usc 1681b/f. I am seeking actual damages, statutory damages, and punitive damages from EQUIFAX for this matter immediately. I tried to resolve this matter privately with EQUIFAX. 15 USC 1681 : Congressional findings and statement of purpose a/b/c 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 USC 1681r : -Unauthorized disclosures by officers or employees 15 USC 1681o : -Civil liability for negligent noncompliance 15 USC 1681q : -Obtaining information under false pretenses
Product: Debt collection

cabela 's club and capital one of XXXX, north Carolina XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX sent check for {$110.00} XXXX XXXX capital one did not cash check till XXXX received bill from capital one XX/XX/XXXX for {$150.00} called capital one tuesday XX/XX/XXXX at XXXX XXXX. lady told me I had no balance and did not no why I received a bill. 

have received bills from capital one XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$40.00}. called both times talked to 2 ladies but could not get this resolved. 

sent complaint to atty general office of north Carolina got this to fill out
Product: Debt collection

On XX/XX/2022 Transworld Systems Inc. Violated HIPPA in a response to a validation letter that I sent them on XX/XX/2022. They provided me a bill that included medical procedures, Dates, Cost, and date of birth.
Product: Debt collection

The problem is that there is an account that shows on my credit bureau for an account that was paid off by the hospital by charity care that I received at the emergency room. I have no idea how this account even went to collections status as it was paid off in full. I even sent a copy of the letter that I got from XXXX XXXX to show the creditor that the bill was paid in full by the hospital. This issue should have never went to this level as the account is showing negatively on my credit bureau despite sending the proof that I got from the hospital to certify that this issue should have been resolved before collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

Experian- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 AGENCYCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit card

I paid off the balance for a credit card with PNC bank in XXXX. They would then lock me out of my account and leave no XXXX to get a hold of a human to get it unlocked. Today they would sent an email saying I need to make a XXXX dollar payment. I would call the number for assistance and all they did was try and get me to pay XXXX dollars. They would not fix the account or tell me what it is for.
Product: Money transfer, virtual currency, or money service

I recently sold an item on XXXX and PayPal is holding my money. I can spend not transfer my money to my bank despite my PayPal being verified. The amount is XXXX and I have a pending order of XXXX