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

I've sent several dispute letters to the credit reporting agencies and continue to get an " automated '' reply in which they do not contact and verify with creditors listed on my report. Some information on my credit report is not mine and they refuse to remove it. In addition 2 of the 3 credit bureaus have stopped replying to my request for dispute which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - XXXX  XXXX  XXXX  reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with XXXX XXXX XXXX. I have called XXXX and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from XXXX, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of the following had inquiries on my Equifax Credit Report and have expressed to the company that I have no knowledge, however they still remain : XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has of my credit file on Personal information File Number : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX With no apartment number and it should have a APT this is not no address of mine and incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX continuously contact XXXX XXXX  multiple times about this fraudulent charge on my account for {$290.00} on XXXX XXXX. The representative claimed they forwarded it to the fraudulent specialist but I was never contacted. I XXXX XXXX again contacted XXXXXXXX XXXX XXXX XXXX The supervisor stated to me that there where going to forward my complaint to the fraudulent team. No one ever gave me a call or send me mail to my home.I XXXX XXXX again contacted XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Finally on XX/XX/XXXX am email was sent to my email stating that XXXXXXXX XXXX sent my concerns to the fraudulent team. I am still waiting!
Product: Credit reporting or other personal consumer reports

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of XXXX See attachment for further details on the creditor and account details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX both my credit report and husbands showed on Experian the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax experian and transunion on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
Product: Debt collection

On XXXX, I, XXXX XXXX, sent a debt validation letter to Professional Credit po box XXXX XXXX, Or XXXX On XXXX XXXX, they sent a response. It detailed medical procedures that I had. Or shall I say, states that I had. I have not ever given my medical provider authority to share my medical history with anyone. 

I believe this collection agency along with medical provider have violated my personal rights. My deep concern is how many times have they given my medical information to debt buyers, collection agencies. Now I'm worried about that. My medical provider is selling my debts by the week. My medical provider is sending me all kinds of bills. Maybe I should file XXXX against them. However, see the attached documentation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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
Product: Debt collection

I did as Phoenix Financial Services said on the last CFPB Complaint ( complaint attached ) I called their office to get full number of the alleged account since they claimed I was only giving a partial number. 

This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, they should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX
Product: Mortgage

The loan was closed on XX/XX/XXXX and per the attached document, disbursement should have been completed on XX/XX/XXXX. As of XX/XX/XXXX, I was notified that there is a disbursement delay, which is causing financial hardship as I must make another payment to my servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter on XX/XX/2019 along with my ID Theft Report, and Police report, disputing inaccurate information found on my consumer credit report which was delivered to the company on XX/XX/19 per my USPS tracking receipt. As of today, XX/XX/2019, it has been more than 30 days, and I have not received any investigation results from my dispute of these erroneous items on my consumer credit report, and they still currently remain on my credit file. Therefore, in accordance with s.1629e ( 8 ) of the debt  collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete these inquiries from my credit reports, and send me a copy of the updated report as soon as it has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$74.00} owe the account show open XX/XX/21 Account Number XXXX  This account is a fraudulent account that EXPERIAN Reporting. 

XXXX XXXX XXXX # XXXX this account reporting {$360.00} FRAUDULENT amount which Experian has a POLICE REPORT on FIle with this Fraudulent amount of {$360.00} Police Report Number XXXX. 

XXXX XXXX XXXX # XXXX The Original Creditor XXXX XXXX XXXX Experian keep Changing the Creditor every time I dispute it also under the name XXXX XXXX XXXX XXXX XXXX WAY Is The Original Creditor For This Account I have send EXPERIAN Proof of the court Order Dismiss by License California Judge court ordered Dismissal. EXPERIAN REFUSE TO REMOVE IT.
Product: Checking or savings account

Hello on Friday XX/XX/XXXX I went inside a Bank Of America branch to exchange XXXX currency. I have a checking account with them. When I arrived I asked the banking representative who made the exchange if there were any requirements or restrictions and the only thing he said was there was a limit on the amount which I did not exceed. When the exchange was done he asked me to log into my BOA app to make sure the money was there and it was and he said everything was ok and thanked me for coming in and being a customer. The same day they put a pending closure on my account and its been under review for 10 days now without any explanation. When I call no one can tell me anything or have any idea when the review will be done. The account is suspended and Im unable to pay my bills or feed my kids. I dont mind them closing the account if thats their protocol. My concern is its taking them so long to close it. I got an email on Sunday XX/XX/XXXX that my account has been closed but its not. Please close my account so I can pay my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian Inquires that are not mine jXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXl XX/XX/XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Two hard inquiries from unrecognized sources on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( XXXX ) Tracking # XXXX ( XXXX ) Tracking # XXXX ( Experian ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers credit report 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. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX Student Loan ) placed on my consumer report by XXXX Equifax, and XXXX Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Product: Credit card or prepaid card

My Apple Card with Goldman Sachs had been restricted/under review for three months now. I have asked for updates but for security reasons they wont give me information. I have submitted two complaints about the time in their system and I have gotten no response from anyone. It has been locked now for too long with NO word at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, Equifax, and XXXX. 

I have asked XXXX, Equifax, and XXXX whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, Equifax, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian can seem to get my credit score correct even though I have explained and spoken to them numerous times concerning entries that were not listed. 
On XX/XX/XXXX they had my credit score at XXXX and on XX/XX/XXXX they raised it to XXXX or XXXX points. Then on XX/XX/XXXX it dropped to XXXX again. On XX/XX/XXXX they increased it by XXXX points to XXXX. XX/XX/XXXX it dropped again to XXXX. 
There haven't been any changes in any of my credit accounts for several years and I don't have any debt other than monthly bills which I pay before the due date. The other two credit reporting agencies have had my credit score over 800 for many years. 
I have had discussions with Experian numerous times and explained to them. They tell me to see a credit counselor. A credit counselors job is to help those with debt and I have none. 
When I explained this to them they then hid behind and algorithm which they can't explain. Either they have information that they are not sharing with me or they don't know what they are doing. 
Of the three credit reporting agencies they are the only one that is foreign owned. If you go on their website its difficult to get past the things they are trying to sell you in order to get to your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my 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 XX/XX/XXXX
Product: Vehicle loan or lease

I have repeatedly had to submit complaints about several separate times of this company calling more than one time per day leaving message. After the frist complaint they said they would stop doing that because that was wrong. It still continued. 4 separate days I had 2 voicemails and I again made a complaint but nothing was done again. I got a call today Monday XX/XX/XXXX and they left a voicemail that did not state the company name but did give a phone number to return their call and the message stated that payments made recently would not clear the deliquieny status of the account and that I should call to see if there are any options left. I called the company and all they said was that they would review the call and do internal training. This company continues to call and leave multiple voicemails on same day and has now left messages about collecting on a deliquent account and has not corrected thier behavior.
Product: Credit reporting

My goodness I have been through it with getting information on my Credit Report changed. XXXX, TRansunion and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on two occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
Product: Checking or savings account

Overdraft fees unnecessarily charging me successful as if I have the money even. XXXXXXXX XXXX  mislead me and never helped me only took unnecessary fees allowing me to go years with less money. Also didnt help me when I complained
Product: Debt collection

This company is continually calling my office : Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXXXXXXXXXX If I am ever going to have a chance to pay off debt, I need this job. I need to have this stop immediately, can you please help before I get fired.
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 comsumer rights to privacy and confidentiality under the law 15USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights According to 15 U.S.C 1681 ( a ) ( 4 } : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also 15 U.S.C 1681b ( a ) ( 2 ) : 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 the written instructions of the consumer to whom it relates.

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.

I did not give written consent for my report to be shared, also I didnt authorize these accounts on my consumer report. I have since filed a Identity theft with the Federal Trade Commission concerning these accounts.
Product: Debt collection

Hunter Warfield collected payment from me when the collection was deleted from my credit report. I asked for a refund and they refused to send me a refund. A representative from Hunter Warfield informed me that they sent a notification to delete the items from my report but that was not true. There is also no written record of this. I sent a dispute to XXXX and after the investigation, XXXX delete HHunter Warfield from my credit report. I am requesting a refund for the amount of {$1100.00} that was paid on XX/XX/2018.