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

I contacted Equifax on Tuesday, XX/XX/2019. I wanted to make sure that my account had no freezes or security blocks to access. 

I was appalled to find out that Equifax uses a XXXX call center and requires me to supply confidential information to a 3rd world employee. Under no circumstances do I want someone to have my social security number, birth date and address information unless they are bonded and verified as safe. 

I do not trust the veracity of 3rd world support staff and the hiring processes involved in engaging them as employees. This practice should be banned for American credit evaluation service providers.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

On XX/XX/XXXX, I was contacted by a debt collector and they claimed I am responsible for a debt with a cable company. I told them that I dispute the alleged debt and that all further correspondence with me shall be put in writing. Then on XX/XX/XXXX the debt collector called me again. I reiterated that I am disputing the alleged debt and that all further correspondence with me is to be put in writing. On XX/XX/XXXX, I received the first written correspondence from the debt collector. 
On XX/XX/XXXX, I responded back to the debt collector, in writing that I was disputing the charges and asked that they provide me with a " valid basis for the debt, such as the original contract between me and the original creditor. Tell me the date the debt became delinquent and the date the last payment was made. '' as well as all invoices for the past several months where ongoing service charges, late and restoration fees were being applied to my account. 
The debt collector only provided me with the last invoice from the cable company. 
In a subsequent call with the debt collector on XX/XX/XXXX, the debt collector agent told me that I had to pay the debt otherwise they would negatively impact my credit score even though I had told them that I was disputing the debt and had done so in writing within the 30 days for receipt of written communication with the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Equifax numerous times about fraudulent inquires on my credit report. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The accounts mentioned here were opened without my knowledge or consent. I am a victim of identity theft.
Product: Vehicle loan or lease

In 2019 I was let go of my job. I contacted Capital one XXXX XXXX and explained the situation to them. They advised me they would put XXXX payment on the back end but to keep them up to date on my job situation. 

Well, every week I was unemployed I contacted them telling them I was still looking for a job and that because I was taking care of my mother who was bedridden it was hard to find an employer who would work with the times I needed to be home. 

XXXX day I received a call from a company called XXXX XXXX XXXX. They apparently had been looking for me and the truck at an old address and I told him that I had a job interview coming up and that I was going to resume making the payments. He told me to keep him informed and I told him I would. 

A few days later he called me and advised me that they would be seeking to put a warrant out for my arrest because capital one told them to. I told the man I can't see how they could get me arrested for being behind on payments and he told me that I stole capital one 's property and because I refused to return it that it is just like renting a car and refusing to return it. I told the man I was going to go talk to a lawyer and hung up on him. 

While I was awaiting a call from our local free legal clinic I received a call from a man named XXXX XXXX who told me he was with XXXX XXXX XXXX and he was reaching out to me. I told him I had already spoken to another guy and I was waiting for the legal clinic to call me back on what I needed to do. 

So the man asked me who I spoke with and I gave him the other guy 's information and he told me to go ahead and wait for the clinic to get me in and he would hold off a few days to see what I was told. 
Well, the next day he called me again and told me he spoke to capital one on the situation and that he found out that they were pursuing auto theft charges and he told me that once that happens there is nothing he can do to help me. 

So I asked him what it was he was trying to help me with and he told me that if I turned in the vehicle that they would mark it a voluntary repo. So I told him no that i needed the car to go to work and he kept saying if I was arrested there was nothing he could do to help me then id has a felony charge. 

So I told him that if I allowed them to repo the vehicle I would not be able to get another car and he told me that if I voluntary gave him the car that day, that within XXXX months capital one would allow me to get another loan and he also told me that in good faith for working with him that he was told by capital one it would show as a XXXX balance on my credit report, nothing would be owed and it would not be reported as a repo to hinder me from getting another loan. 

So this year after finding out that this tow company lied to me I have been getting the run around from both the credit reporting agencies and Capital one when I call them on this issue wanting to know why it shows a repossession and late payments when I was told neither would be on my credit report if I voluntary gave them the vehicle. 

I am now wanting to sue because of this illegal practice they did.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of a closed account by Kikoff Lending , LLC on my credit reports with XXXX and XXXX. 

Account Information : Creditor : Kikoff Lending , LLC Account Type : Installment/Other Balance : {$0.00} High Balance : {$120.00} Closed Date : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Open Date : XX/XX/XXXX Reported Delinquency : 90 days past due ( XXXX XX/XX/XXXX ) Reason for Complaint : Inaccurate Delinquency Reporting on a {$0.00} Balance Account The account is reported as closed with a {$0.00} balance, yet it reflects a XXXX delinquency in XX/XX/XXXX on XXXX. It is unreasonable and misleading to continue reporting delinquencies on an account that is closed and has no outstanding balance. 
Inconsistent and Incomplete Reporting Across Bureaus XXXX does not report the account at all. 
XXXX reports None Reported as the worst delinquency. 
XXXX reports 90 days past due as of XX/XX/XXXX. 
These inconsistencies demonstrate an inability to furnish accurate and verifiable information to all three credit bureaus. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, data furnishers must report accurate and complete information. Inaccurate late payments or derogatory remarks on closed and zero-balance accounts can unfairly damage a consumers credit score.

This reporting may also constitute a violation of FCRA 623, as the information being reported is both inaccurate and incomplete, and does not reflect the true standing of the account at the time of closure.

Requested Resolution : Immediate deletion of the derogatory remarks and late payments associated with this account from all credit reporting agencies.

Removal of the entire account from my credit reports if accurate and complete data can not be verified and updated across all three bureaus.

I am requesting that the CFPB investigate Kikoff Lending, LLCs reporting practices for potential violations of federal consumer protection laws and take appropriate regulatory action.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692- Congressional findings and declaration of purpose. 1681 ( e ) ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information. 

Account name : Lendmark financial service Account number : XXXX
Product: Credit reporting or other personal consumer reports

Opt Out Letter The Fair Credit Reporting Act 15 USC 1681 Sec. 60XXXX a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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 seven years. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE XXXX Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my Experian credit report : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Disputed Issue : Experian failed to conduct a proper investigation. 

Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. 
XXXX actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and XXXX. 

I look forward to receiving a response within 30 days, as required under the FCRA. 

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

XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these
Product: Debt collection

XXXX XXXX has been harassing me for months. I repeatedly tell them I am not familiar with a Capitol One account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with XXXX XXXX and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues I have with Lexis Nexis : Problem with a credit reporting company 's investigation into an existing problem and Improper use of your report ( shared without consent, credit inquiries from unknown sources. 

A Freeze and a Suppression was placed with Lexis Nexis last year. Lexis Nexis continues to sell/share my information with the XXXX and XXXX. Lexis Nexis has also released my information to creditors, well after the freeze and suppression. Lexis Nexis continue to state that the US Federal Court has given them Bankruptcy information. The Court has sent me a letter stating it doesn't share information with credit reporting agencies, due to privacy laws. Per my Lexis Nexis report, Lexis Nexis states that it contacted the bankruptcy court directly and was told that I had a bankruptcy. I requested information from Lexis Nexis to  disclose to me who at court told them I had a bankruptcy ; but Lexis Nexis has ignored my requests and have failed to properly investigate. LN has released information to several creditors, such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX for insurance. I have sent subsequent investigation letters, and I feel that I have been ignored. My LN reports shows that I have a business. I HAVE NEVER OWNED OR CO-OWNED ANY BUSINESS!
Product: Credit card

I have XXXX accounts with synchrony bank. I spoke with XXXX ( Supervisor ) @ paypal because this company keep going in my bank account taking money out of my account without my permission. She told me that my bank has to refund my insufficient funds because it was not their fault that my account did not have the funds in my account. I explain to her I do n't have the money in my account and my account was overdrawn. She told me they was going to have to go in my account two more time to try to collect the money. I told her I did not have the money, she did n't care what I had to say. I had to close my bank account because they refuse to not listen to me. She made it seem like paypal has right to go into my account without my permission. Secondly, I have XXXX other accounts with synchronary bank. I had told XXXX today I 'm declaring hardship because I have XXXX credit cards and the interest and late fees I ca n't afford he refuse to help me because I ask him with they take the late fee off my Gap, Old Navy, and Banana Republic and XXXX me he was not able to help me. I been calling them for the last 4 months and they will not help me.
Product: Credit card or prepaid card

I received a bill for a new credit card ( that i did not request ) I called up Bank of America and spent one hour and twenty minutes on the call during which time they promised me that the card would be closed and I would not be charged. They then put me through to their fraud line and I waited a further 40 minutes waiting for my call to be answered which in the end I gave up on. I received a new credit card bill today and there it is again with extra charges on a card I did not request and had been promised verbally that the card had been closed. I have been waiting on there consumer line listing to someone telling me the appreciate my patience please continue to hold for the next available associate. 33 minutes and 38 seconds and still no answer.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 seven 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: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  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 reported to be removed/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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a call from a collection agency ( " XXXX XXXX  '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an XXXX  Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/XXXX, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " XXXX XXXX XXXX/XXXX '' dated XX/XX/XXXX that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the XXXX XXXX consumer credit department to advise them of this case of identity theft. However, XXXX XXXX XXXX automated phone system never let me talk to a real person to report this issue.