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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I am not comfortable with how the steps Equifax has taken to protect my information, or the steps Equifax has taken to notify myself and rectify this grievous error.
Product: Credit reporting or other personal consumer reports

Experian disregard any dispute they place information on credit report regardless if you dispute it they verify information XXXX cant verify I have a credit report that is not mines and experian is giving me accounts payment history credi util credit mix payment history Closed accounts can be charged off and when you dispute it it turn to open balances accounts that have never had with a balance that you cant even get if you apply
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion and the supervisor XXXX XXXX did something on my account that I did not authorize. He kept saying he did it and he can do it and thats in his right. I called to ask about two hrs inquiry and the documentation I sent regarding that and he closed my account that I had with another bank that I was not asking about. I did not authorize him to do that and I kept asking what is he talking about and he refuse to explain, he just said go check your credit report and kept talking over me while I ask what did he do that I did not authorize. This is illegal and again this or whatever he did was done without my authorization. This pass my rights as a consumer and violates my privacy right. This is my account how can someone do something on my account that I did not authorize. The calls are recorded I want that to be revised and fix and this supervisor to be our ish as he is rude and as no customer service skill. Very unprofessional! This is how TransUnion trained their agents to be!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need XXXX to verify how they are reporting this account as verified when I called XXXX myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from XXXX. 

I dispute this account under 15 USC 1692g validation of debts.
Product: Debt collection

Paid debt in XX/XX/XXXX to companies alleged debt. No reporting to the credit bureaus had occured at that time and the old account had a XXXX balance. Comoany has now reported debt on XX/XX/XXXX as a new unpaid debt do the same account which is untrue.
Product: Credit reporting

XXXX account billing is incorrect, account not mine, in another state, Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$180.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Regions should look at this also XXXX  opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from XXXX XXXX Regions XXXX XXXX  XXXX  name goes on and on
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act XXXX, Experian and XXXX, XXXX XXXX XXXX XXXX account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Don't respond with validated because I'm not asking for anything to be validated or verified.
Product: Credit card

On XX/XX/year> I purchased a lawn mower from Home Depot with my HD store  card for XXXX Within XXXX hours, I logged into my account online to pay my bill and saw a charge I didn't recognize for XXXX. Home Depot online statement does not provide a description of items purchased so I called them. They said it was for plumbing fixtures and accessories ( which I did not purchase ) so I told them it was a fraudulent charge. They said they would put it in dispute, cancel my card, and issue me a new card. I went ahead and paid for the lawn mower. 
Right after that call, I ran some errands for a few XXXX and when I got home I got a text message from Home Depot asking if I had just made a purchase for XXXX so I called them again. I was told that the new purchase had been made on the new card ( which had not even been issued to me yet. Again they said they'd put it in dispute and issue me a XXXX card. I told them not to bother- to just cancel the card. 
Today ( XX/XX/XXXX ) I received an email notifying me that the issue had been resolved and that there's no evidence of fraud and that I owe them XXXX 
This is crazy. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This repossession has been handled fraudulent, and has many inaccuracies. 
15 U.S.C 1681 section 605A. States A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency.

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

I am disappointed to discover that the credit reporting agencies did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, dated XX/XX/2022, I demanded that they produce evidence supporting their assertions that the items I am contesting actually belonged to me. The Credit Bureaus still hadn't sent me any proper proof after a month had already elapsed. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed items without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed items from my credit report. The following elements need to be removed : 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
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 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!

Update the late payments from my consumer reports
Product: Bank account or service

Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Chase Freedom. I did not authorize anyone employed by this company to make any inquiry and view my credit report. Chase Freedom has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ XXXX. XXXX ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Chase Freedom complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair 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 agency can not furnish a account without my written instructions.

15 U.S.C1681 168b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any reason.
Product: Debt collection

These accounts do not belong to me Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX   Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX   XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX
Product: Debt collection

On XX/XX/XXXX someone whom said she was calling from ace cash express called my husbands cell phone to ask if he knew me, the number that called him was XXXX ( the number that she gave him for me to call was XXXX ) he said yes and they told him to write down their telephone number and a case # and make sure to give it to me. He called me and gave me the info. I called this number and this woman named XXXX said she was part of the legal dept and she is trying to collect a pass due balance on a loan I had. She wanted me to give her my debit card info so she can set up a payment arrangement. She said my debt was transferred to two different debt collections companies and there is a pending lawsuit against me, so I told her that she needs to send this info in writing to me because if it was transferred to diff companies to collect why haven't I received anything, after all they have my address. I also told her that I was on my states website where you can view court cases if someone is going to sue you it would be listed there, and I told her I don't see any lawsuits so nothing she is saying is making any sense, she then raised her voice to me and said, if I didn't settle my debt with her over the phone someone would keep calling my relatives about this debt and someone will come to my job and put me in handcuffs. I said to her, well if you say I owe this debt, just put it in writing so I will know your are not a scammer she then said police are coming to my job to arrest me in the next few days and hung up
Product: Debt collection

I was sent his debt collection and given a certain amount of time to dispute it but both the phone numbers and the websites they gave me to contact them or dead sites. There was no legitimate way to reach them. And they said if I don't respond by the XXXX of XXXX this will go on my credit report and I have no idea what this debt is. It comes from first financial asset Management Inc and it says the original creditor is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a loan to buy a car with a local credit union. They attempted to open an account for me and run a verification check through ChexSystems. They found that my ChexSystems profile was frozen. 

I went to remove the freeze on ChexSystems website but did not have the required PIN. After calling into ChexSystems and being escalated to a supervisor, I was advised that my only option was to wait upon a new PIN via snail mail. They had no other way to verify my information and would not lift my credit freeze after I instructed them to. 

I will have to apply for a different loan with a different bank or credit union that does not use ChexSystems because of this. This will end up costing me a lot of extra money in extra interest paid.
Product: Credit card or prepaid card

I received a credit card from hsbc bank. I had issues was not working and received a debt release or credit release indicating since I had not paid my debt, It would be added to my income. Since it was added to my income then it became as a debt that was paid. They should not be reporting to the credit agency as not paid. XXXX, XXXX and XXXX. I have already reported the debt as part of my income and was taxed on that incomed. This appears to be a form of accepting payment twice for credit that was added to my w2 form as a form of income. Is this a legitimate business practice. If it is please explain the law or statue that allows it. Not a business policies. Policies are not laws. 
Please assist me. My complaint is with the merchant I will file a dispute with the creditor after I get a response from the merchant.
Product: Credit card or prepaid card

I lost my card and reported it lost. I advised the RepresentativeOver the phone my new address and she said that my card would be mailed to XXXX XXXX XXXX in XXXX, GA XXXX. When I called to verify I was told three days later that I needed to send over documentation proving my address. I sent over three documents to from XXXX XXXX and one from XXXX County water Authority. I was advised that neither of those documents were Acceptable. This company is trying to hold my money and not send me a card the documents that I sent over all had my name date and address clearly on all three documents.
Product: Credit reporting or other personal consumer reports

The inquiries on my EQUIFAX credit report are fraudulent, inaccurate, and unverifiable and are not attached to any open accounts. They were deleted and removed months ago and then suddenly reappeared all on the same day about 30 days ago causing my credit score to plummet significantly clearly violating the FCRA and my rights as a consumer. ( PLEASE SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide it. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been deliveredXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not consent to an electronic communications. I am the person making this complaint & I give CFPB authority to investigate this claim. And I request all responses be in writing through the USPS.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to rectify this matter, the problem persists, causing significant inconvenience and distress. I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
Offering appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. 

Failure to address this complaint satisfactorily may compel me to explore alternative options, including legal recourse and severing my ties with your organization. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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
Product: Mortgage

This company ( loan Depot ) gave me low ball interest rate quotes to lure me into application. They ask for credit card ( mine ) very quickly so they could get appraisal done. In my ignorance I gave them my credit card info and they charged it the card right away. They stalled the process and when I decided to go with another lender the basically held me XXXX by not transferring the completed appraisal to my new loan company. They continue stall as I write this complaint Its like there ego was hurt and now they are holding me up from processing my new application. Excuse after excuse they offer for not releasing my case number to the new lender. There was a recheck needed on the appraisal. New lender wants to pay for recheck but loan Depot is slow walking this also. They are punishing me and keeping me from finishing the loan process with the other lender. Loan depot know I need that appraisal released to complete the process. In my opninion Loan Depot is not an ethical or honest company and should be held accountable for there brutal and childish behavior. 
Thank you