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

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXX acct : XXXX XXXX XXXX XXXX acct : XXXX and XXXX XXXX XXXXXXXX : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX to report late payments on the consumers credit file. XXXX XXXX XXXX XXXX, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



Experian is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

Today, XX/XX/year>. The complaint filed on XX/XX/year>, with a resolution date of XX/XX/year> is still pending ; despite Experians update to the credit file on XX/XX/year>. Restitution for the violations have not been received or communicated to the consumer through the CFPB or Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious that I have not received an update about my investigation from this credit reporting agency. I have been wasting my hard money on stamps, letters, and ink to send out my letters. It's been more than 60 days and I have not received a response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I will not wait another 60 days to receive an update. These accounts must be removed ASAP. 

These are the accounts that I demand be deleted. 

15 U.S code 1681n Infamis of pulls XXXX  Date of inquiry : XX/XX/2020 15 U.S code 1681n Infamis of pulls XXXX XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX  XXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX Account Number : XXXX
Product: Bank account or service

I had an unauthorized transaction on my checking account and the bank said I should stop payment on my mortgage payment because with the unauthorized transaction the payment would have bounced. I was never told that it would last 30 days. But even after the 30 day period the stop payment was not lifted which they admitted was a bank error but because of that error it resulted in my last loan modification payment to bounce and for my home to go into foreclosure with additional charges and lawyers fees from the mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries on my XXXX and Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I test drove a truck. I asked the salesman how much it will cost he said fill this information out. I said I dont want a hard credit check and he said we only do soft checks in the beginning. Here it turns out he lied to me and did a hard check!
Product: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase XXXX Amount : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

they went in my car and stole my purse and whoever find it is been trying to open couples account under my name, I have call this place to explain to them what happen and to give them the police report number of my stolen purse and they told me they was gon na work on removing that hard inquiry off my credit and is been more than 8 months and they don't removed knowing I was going thru identity theft. syncb/ sams. this been going on since XX/XX/2022 i need them to remove this hard inquiry from my credit report because i call them about this, and i explain everything to them, I shouldn't have this on my credit when i reported identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of these companies would not remove erroneous items from my account, namely XXXX XXXX not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my PCS orders signed by my commander ), and XXXX XXXX not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Credit reporting or other personal consumer reports

Refuses to get me my credit score and credit report. Spoke to XXXX at Equifax on XX/XX/year> at XXXXXXXX XXXX after I verified all of my information.
Product: Checking or savings account

I am a joint account holder along with my mother, who at XXXX is suffering from early XXXX. As such, I handle all of her financial affairs. 
On XX/XX/XXXX, a remotely created check for {$1500.00} was cashed against our checking account without our knowledge or consent. I became aware of this when I went to the ATM on XX/XX/XXXX to make a withdrawal and noticed that the balance was not what it should have been. I called the bank and was told that they'd have to close the account. This we didn't want because there were retirement and XXXX deposits forthcoming. 
On Monday, XX/XX/XXXX, my mother and I went to the branch to report the breach and were required to file an " Affidavit of Forgery, Alteration, Counterfeit or Unauthorized Remotely Created Check ''. My mother signed the Affidavit, as the check was drafted with her name and address on it. The Branch manager notarized the form, and we were assigned a case number along with copies of the complaint. The bank put a debit block on the account. We heard nothing from the Bank after that. For the record, neither my mother nor I authorized this transaction, received any benefit or merchandise, tangible or digital, as a result of this transaction. 
I began calling the Bank general customer service number and was eventually given the number for their " IFA '', Internal Fraud Alert Dept, XXXX, and I called them on XX/XX/XXXX at XXXX. After providing our case number and other identifying information, I was told that they initially sent the complaint to XXXX XXXXXXXX XXXX but realized that that was the wrong bank and that they then forwarded it to XXXX XXXX and was waiting to hear from them. I was told to check back. 
On XX/XX/XXXX at XXXX I called the IFA Dept requesting an update only to be transferred to another department. The representative, " XXXX '' told me that our case was cancelled. When I protested stating that we had not received any type of communication pertaining to this action, neither via mail nor message in their banking app advising that there was an important document. The best that she could offer was to open a new case and told me that they would be mailing us forms to complete to email back to them. 
This is unacceptable. XXXX days/ XXXX business days have passed since our account was compromised, and not only have we not been made whole, but must start all over. Again, unacceptable and in total violation of numerous laws and our rights as banking customers.
Product: Credit reporting 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. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX 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 an 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

This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Collection Agency Name : XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Recent findings by the Consumer Financial Protection Bureau XXXX CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX, Equifax and XXXX 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl. 
2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX, Equifax and XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2021 I called one main financial and spoke to XXXX in the fraud department because a credit card came to my home that I did not order. That week I was getting multiple letters from creditors saying they were unable to verify I was applying for loans therefore I knew I had been the victim of identity theft and they closed the account and the very next day they opened a line of credit in my name for XXXX. It was done online and e-signed and they did not verify my identity. They sent the check to a Post Office box and they did not verify my phone number. There was a different address and 2 different phone numbers provided that did not belong to me. They are now suing me for {$12000.00} because I did not pay the loan. I have been trying to work with them for 2 years. I have filed 3 identity theft reports and I also filed an incident report with the police department. They did not want to do a police report because they do not know who the perpetrator is. I did everything they asked me to and this is now going to trial. They also reported me as being in default to all 3 credit bureaus the credit Bureau removed the incorrect information including the address and phone number but my report is still affected due to the default.
Product: Checking or savings account

I applied to an apartment paid with my bank account. Then they said they refunded the money to my account, which I never received. I went to a branch and they said my account was closed XX/XX/XXXX but theres no record of anything. Nor was I notified about it being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my transunion credit report came off earlier this year and were put back on
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Transunion on XX/XX/XXXX to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease and Desist wrongdoing conduct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Notice of Dispute To whom it may concern I am demanding verification of this alleged debt obligation, I have know knowledge of the said accounts. I believe this account is fraudulent. I believe the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in consumer that a person other than the Creditor such consumer is participating in the collection of or in an attempt to collect a debt such consumer owes such creditor, when in fact such person is not so participating. The term Creditor according to 15 1692a ( 4 ) means any person who created the debt I believe my signature on the credit transaction created the debt therefore makes me the original creditor. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX believes I am in error I demand verification under penalty of perjury that I am not the original creditor. Lastly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; andI demand an affidavit signed under penalty of perjury verifying the name and address of the original creditor the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have a logo affixed to it and that is
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender XXXX  has been paid in full. Keeps reporting in accurate information on my credit file.
Product: Debt collection

Reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. XXXX XXXX XXXX XXXX.
Product: Debt collection

THIS IS NOT A DUPLICATE!!! 

XXXX  XXXX claim this item Accurate & Consistent but its 2 different incorrect spelling of my name in the original contract which are highlighted in the attachments. which is a MAJOR Violations UNDER THE FCRA & FDCPA
Product: Vehicle loan or lease

Account was open for a vehicle under my name. Contacted the bank of fraud. Sent them a copy of police report, ID and a fraud form they had me fill out. Unable to reach them and this account is still in my report as debt. Its been over XXXX months.
Product: Credit card or prepaid card

So I was sent a promotional code to get a capital one card. I got approved for the card. I called to activate my card. I was then transferred to the fraud department. As told to me that thousands of others used that code. However that does n't apply to me what thousands used when I was sent a card. However I was transferred to the manager and all that was needed from me was to show proof of my identification so I scanned and sent my social, and driver license that has proof of my address. So my card was activated. The next day I used my card however I tried to make a purchase yesterday after I got off work and tried to make a small gas purchase my card was declined. I called capital one and it was told to me my account was closed. I spoke with a representative and then ask for a supervisor as told to me from the supervisor there 's nothing no one can do about my account being closed. However the day I was approved for the card I got a hard inquiry on my credit report. I received my cycle date, my payment date, and the ending of the o % interest rate date. I sent in my personal information to verify that it was me that applied for the card. From reading the Credit Card Act of 2009 I think you guys not only broke the law but violated the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX AMERICREDIT XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOT THAT THIS IS ALSO BEING REPORTED TO YOUR REGISTERED AGENT XXXX XXXX XXXX & THE FTC. Transunion failed to comply with my consumer rights. I did not ask Transunion to put a fraud alert on my consumer report. I asked them to comply with federal law. I sent Transunion the proper identity theft affidavit for two accounts on my consumer report. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. They did not delete items during the thorough investigation. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. You also keep re-inserting " XXXX XXXX  '' on my consumer report without the proper notification according to federal law. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX