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

My state and all applicable federal laws and standards of ethical reporting of consumer information must meet minimal criteria of compliant expressed or be removed. You do NOT have option to hold on to not indubitable testimonially compliant data so do NOT. Please assure the factual compliance of reporting process ( es ) and the mandated XXXX XXXX XXXX XXXX XXXX standard of lawful ethical reporting as is related to any alleged and demonstrated cite evidence of physically verifiable truth of claim, correctness of claim, timeliness of claim, ownership and responsibility of claim 's negativity, or proof of undoubtable validity of claim 's negativity else XXXX  unequivocally as believed. note the CERTIFIED COMPLIANT REPORTING of factually certifiably claim 's of negativity or else eradicate claim today, even RIGHT NOW!
Product: Credit reporting or other personal consumer reports

This is my second attempt to amicably resolve this issue with Experian not abiding by the FCRA. I am a victim of identity theft and entrapment. I have submitted my police report, FTC report, and my complaint to Experian. According to FCRA it is imperative that the credit reporting agency block and remove all items associated with identity theft from my Experian report within 4 days. I submitted my original complaint with the CFPB ( XXXX ) and it was received by Experian on XX/XX/year>. It is now XXXX business days later and they have not did anything. I need XXXX to treat me fair and block and remove all information immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. However, to my dismay, the process of removal has been unduly prolonged, causing me significant XXXX  and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX - {$1000.00} My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, Equifax gave access to my report, along with millions of others, unauthorized to an unknown 3rd party. They offer the standard freezes, but no substantial help for people they are supposed to protect.
Product: Credit reporting or other personal consumer reports

However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on Transunion is XX/XX/year>. The Date Opened for this account on XXXX and XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

American Express is acting in an unfair and deceptive manner. I recently downgraded my card from a XXXX XXXX card to a XXXX XXXX card. I had been contemplating this move given my lack of recent travel due to covid. However, as I started to research earlier in the Summer, I noticed I was close to the $ XXXX spend threshold that allowed me to earn an additional XXXX MQMs. 

In late Summer, early Fall, I contacted American Express, inquired about my spend ( was told over $ XXXX ), confirmed I would still get the MQMs if I downgraded, and then after confirming both, I chose to downgrade to the Blue card. The MQMs never showed up in my account. I called each month around the XXXX when my earned regular miles would post, and was told I was good and the miles sometimes take a while ( up to 90 days ). The XXXX of XXXX was 90 days. 

When I call, American Express pushes me to XXXX. XXXX pushes me to American Express. Neither has resolved my issue. 

Additionally, when I called again today ( XX/XX/20 ), I was told that I did not meet the $ XXXX spend threshold. This would have been the first time in 4 American Express agents to tell me this, and run directly counter to what I was told when I downgraded my account. 

I am hoping you can help me get this resolved since neither American Express nor XXXX seem willing to take ownership of this deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported late by XXXX and I have never been 30 days late. I have been dealing with this for three months. This is affecting my life
Product: Credit reporting or other personal consumer reports

inquiries that was reported to my credit report that i dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card that was open by somebody else. They couldnt make it any charges. card got closed.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I pulled my credit file and notice Equifax Mortgage Service has pulled a hard inquiry on my credit file. I have not applied for any mortgage, I am not sure where this pull came from. On XXXX XXXX XXXX I called Equifax and they stated they don't see a hard inquiry however, the inquiry is visible on their site XXXX Equifax is failing to complete a full investigation on how this hard inquiry appeared on my file.
Product: Credit reporting or other personal consumer reports

I submitted a written letter to the three major credit bureaus to update the correct spelling of my name, my current address and employer my social security number and date of birth while requesting the removal of previous incorrect information. I mailed that letter on XX/XX/2024. 
Equifax, XXXX and XXXX denied my written request in a letter response to me sent via mail to my current address. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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 methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character,
and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spoke to the Executive Team at Bank of America and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to Bank of America what I have paid and this person still tries to spin it in different ways and Bank of America now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXE XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX {$420.00} ; XXXX XX/XX/2021.
Product: Debt collection

I received a letter from bill from Medicredi which positive Ive never heard of the medical facility. Ive never had any medical treatment with them so on XXXX I send them a letter requesting information to verify and show proof that I was a patient at their medical facility. They ignored my request and wrote me back and told me they did an investigation and it was determined that aI owed them {$3100.00}. and another bill for $ XXXXAs a result they didnt send me what I requested nor did they send me results from their investigation. I would like to see a full copy of their findings I have also reached out yo my health insurance provider and they have no itemized payment request from this company. My provider also asked this company for verification and they havent been able to provide itemized receipt of these debts they claim I owe.? please see attached letter mailed to them on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit card or prepaid card

On XX/XX/2021 I was at the XXXX XXXXXXXX XXXX In XXXX XXXX stranded when I tried to use my American Express XXXX, and they all declined : On XX/XX/2021 I went online to pay my bill and the system would not allow me to pay American Express, so a few minutes later I saw a red dot, and the word cancelled on all my accounts, the bills were not due until the XXXX, called them to pay them over the phone, and was treated like some type of a thief the agent took the payment and said hold on, there is a note that says '' call the banking institution to make sure funds are available, I was a shame that and my XXXX XXXX jump to XXXX because of the embarrassment, the agent was asking the bank agent did I have money in my account and the bank agent was asking me, is it okay to answer, I was told humiliated and when I asked the cancellation the department why would you all do this to me since I ve been your customer for over some XXXX years, after i explained to him I had been almost killed by XXXX, and that the XXXX account that was used probably was the one cancelled by error after I had complaint to them that i never received the new debt card that had been since to me prior, so they cancelled it for me, since I was in florida with my daugther from XXXX until XXXX due to her illness. I was told that they looked at my fios score, without my consent, and they notice a lot of hits, that I had no knowledge of, I did explain to the agent that XXXXXXXX XXXX had contacted me about fraud on my account and it was handled with professionalism
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Ability Recovery Services , LLC. I do not have a contract with Ability Recovery Services , LLC. They did NOT provide me with the original contract copy as I requested. I have sent this company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded/registered and or insured to collect in the state of Illinois ( IL ). Please have this company cease all collection activities this is my last attempt to complain outside of court.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXcan u please remove all of this from my credit report within 4 business days pleasethanks for your prompt attention to this matter.
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 the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Consumer Account # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX National Credit Audit XXXX 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes 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 information is inaccurate..
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Vehicle loan or lease

I traded my new car on XX/XX/XXXX. A " XXXX XXXX XXXXf '' was sent electronically ( EFT ) to Truist ( formerly BB & T ) on XX/XX/XXXX to payoff the vehicle ( XXXX ) ( VIN # XXXX ). 

Truist refuses to accept or honor the payment based upon the payoff from quote the XXXX XXXX XXXX system. I am due nearly {$850.00} in equity from the payoff but as each day passes I am losing {$30.00} a day in interest payments as the loan is still not showing paid off. 

The payoff shows {$51000.00} at the time when the EFT ACH was sent electronically. Also I can not get my warranty refunds from my original loan on the vehicle from either the Dealership I purchased the new car or the XXXX and I am losing the pro-rata warranty return rate each day Truist does not accept the EFT ACH payment.