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

The dispute is against the 3 credit bureaus ( Equifax, XXXX, and XXXX ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was agreed to be deleted by the creditor and or reported paid with no credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS PER MY LAST COMPLAINT IF YOU GUYS DO NOT FULLY INVESTIGATE OR SHOW ME PROOF THAT I HAVE AUTHORIZED THIS INQUIRY MY NEXT STEP IS TO TAKE LEGAL ACTION. I IN NO WAY SHAPE OR FORM GAVE ANY AUTHORIZATION FOR THIS COMPANY TO CHECK MY CREDIT OR LEAVE A INQUIRY ON MY CREDIT REPORT, THIS INQUIRY SHOULD OF NEVER HAPPEND. AS I DO HAVE A FRAUD ALERT NOW ON MY ACCOUNT. YOU DENYING MY REQUEST IS ILLEGAL AND IS YOUR DUTY AS A CREDIT REPORTING AGENCY TO SEEK OUT A FULL INVESTIGATION WITHIN 15 DAYS OF THIS COMPLAINT. I HAVE ALSO CONTACTED THE INQUIRING COMPANY AND THEY SAY THEY HAVE TO APPLICATION OR ANYTHING IN MY NAME If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. WITHIN 15 DAYS OF MY COMPLAINT. MY NEXT STEP IS TO BRING LEGAL ACTION AGAINST YOU COMPANY FOR NOT ACTING ON MY REQUEST FOR AN INVESTIGATION AND NOT PROVIDING ME ANY DETAIL. ONCE AGAIN I DID NOT AUTHORIZE THIS INQUIRIY IS EITHER FRAUDULENT OR UN AUTHORIZED OR A ERROR IN YOUR SYSTEM I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX as well as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or one,  I would like it removed immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report I have summited the inquiry here
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau. The documents needed are a picture Id, XXXX, a group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -De XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant XXXX XXXX. I have given you my identification as we are required by law. I have provided all needed documents and determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. WELLS FARGO CARD SERVICES XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or WELLS FARGO CARD SERVICES XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EX WIFE OPENED SEVERAL ACCOUNTS IN MY NAME AS WELL AS TOOK OVER A FEW ACCOUNTS. I FILED A POLICE REPORT AS WELL AS AN ID THEFT REPORT. I HAVE SUBMITTED THE INFORMATION MULTIPLE TIMES AS WELL AS UPLOADED THE REPORTS, AND THE CREDIT AGENCIES HAVE STILL NOT REMOVED THE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681XXXX, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of acoounts/inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Accounts : XXXX XXXX XXXX  XXXX, XXXX SELFREPORTED XXXX XXXX, XXXXXXXX SELFREPORTED XXXX *******, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX******************* ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX.
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. Account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 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 attended dates the report by more than 7 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: Money transfer, virtual currency, or money service

I purchased a {$100.00}   XXXX   XXXX    XXXX  gift card on  XXXX   XXXX ,   XXXX   and  XXXX  {$100.00}  XXXX     digital  gift cards on  XXXX   XXXX ,   XXXX   fro m PayPal Digital G ifts on  XXXX . When I tried to use these gift cards in  XXXX    XXXX  , I found that the  XXXX  digital gift cards had no value in them anymore. Numerous people have reported similar issues wit h PayPal Digital Gifts. I  contacted  PayPal Digital Gifts re garding the issue in  XXXX    XXXX   and then received a call telling me they would look into it. However, I 've never heard back from them since. I tried to conta ct PayPal Digital  Gifts again but received no response. Therefore, I 'm seeking aid from CFPB and your help in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Date : Name of Bureau : Transunion LLC Address of Bureau : XXXX XXXXXXXX XXXX City, State, Zip : XXXX, PA XXXX To Whom It May Concern : The following inquiries were not authorized by me, please delete them. Never having given my permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would appreciate the names, addresses, and phone numbers of these companies so I may follow up. 
Your immediate attention to is matter is greatly appreciated. Sincerely, Your Name XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX SSN : XXXX Date of Birth : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # 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 a account without my written instructions.
Product: Credit card

In XX/XX/XXXX, I pulled my credit report and noticed someone opened credit cards with capital one bank. I'M NOT SURE HOW OR WHO OPENED THESE ACCOUNTS. I would like to dispute/and removed these from my credit report. One card was opened in XX/XX/XXXX with a credit limit of {$300.00} which is now closed with a balance of {$580.00}. Second card was opened in XX/XX/XXXX with a credit limit of {$750.00} with and ending balance of XXXX. I reached out to the company to let them no I am not aware of these accounts. I am a victim of identity theft and need help resolving this problem asap. They deny my claim and refuse to assist me. I would like this to be resolved and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX  and XXXX  on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anyone. This is a violation of 15 USC 1681s-2 due to not providing a notice of dispute. This is also a violation of 15 USC 1692e ( 8 ) for failure to communicate that a disputed debt is disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

never authorized anyone to use my account. Kindly remove this incorrect account.
Product: Mortgage

I am refinancing the loan on my cooperative apt with a different bank. New Rez 's attorneys told us that it is taking 8-12 weeks for them to produce the collateral ( stock and lease ). Since rate locks and mortgage commitments expire in 60-90 days, they know this because they are in the mortgage business. This means NewRez is holding me prisoner to a higher rate mortgage with them, and I have wasted fees in applying to a different lender. Nobody can refinance if this is their practice!
Product: Debt collection

This debt i no longer owe and was from 2015. This was settled in a vehicle accident lawsuit that my ATTORNEY was responsible for paying. I have contacted my ATTORNEY multiple times regarding this bill and he says " he will take care of it ''. I have no knowledge of any debt owed to this company and as stated all debts regarding this accident have been paid. 
This attorneys office has been telling me for 5 years now the " debt has been taken care of when apparently it has not. This has been filed on my credit report before and i was able to fight to get it off with the assumption the attorney had taken care of this like he was paid and settled to do. He made way more money than i and i was rear ended and side swipped and still suffer from back pain.. 
This attorney recieved his money, knew about all my bills and chose not to pay this pay on his own apparently. He paid the bills and gave me my share after all expenses were paid. I had no knowledge of what or what wasn't paid he was in full control over this. I also had XXXX  bills, ect which were all paid to my knowledge.

All medical expenses, bills, ect were to be paid by attorneys prior to settlement which went to mediation and was settled. Any and all medical bills not paid are the RESPONSIBILITY of XXXX XXXXXXXX XXXX XXXX  and or the attorney who represented me which was XXXX XXXX. 
I am not responsible for this bill. 
Attorney information has been attached in attachments- please see. 
XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time ( first was several months ago ) receiving an unsolicited call claiming to be from Chase alleging someone applied for a credit card in my name. The calling party had all the information from my credit report including all accounts, account numbers, current balances, address, and DOB. 
They claimed to be investigating due to card application coming from Pennsylvania and we live in Florida. They gave me a " case number '' ( XXXX ) and then stated they were transferring me to the CFPB to file an investigative report. 

That second party sounded as if they were in the same room ( due to background noise ) and stated his name was XXXX XXXX and his phone number was XXXX. This is obviously similar to CFPB but incorrect. It is very concerning because they have extensive information available through any of the three credit reporting agencies but not likely to be compiled in such a way elsewhere. 

After the first time, we changed most credit card account numbers and passwords. 

My caller ID indicated the call originated from ( XXXX ) XXXX in XXXX XXXX.
Product: Bank account or service

You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX ** which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
Product: Debt collection

Pioneer Credit Recovery has contacted several of my co-workers, including my supervisor asking questions about me, and they have contacted these people more than one time on their cell phones. I contacted XXXX XXXX at Pioneer and demanded that they stop harassing these people, but they continue to do so at the peril of me losing my job because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to request your assistance as a victim of a severe form of XXXX in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
Product: Debt collection

I received a call today ( XX/XX/28 ) stating that they were going to file a claim with my local county, XXXX county. She stated she was looking for me and my location. She called my employer, my mother, my mother in law and me. I have never ever given out the information of my mother nor mother in law. 

They stated they were charging me with three different charges one which included a criminal charge.

I made a few phone calls to lawyers for representation. Then I called back to get more information from the company as I had already set up an appointment with a lawyer for tomorrow. The representative refused to give me a physical address for the company, he simply stated that the law firm was call XXXX XXXX XXXX. 

Later on in the afternoon me and an attorney called the number and he attempted to get more information from the representative which ultimately lead to the man disconnecting the line.
Product: Checking or savings account

I am not able to log in to my venmo account to access my funds Even though all of my passwords and account information is correct.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subsequent to the large data breach in 2017 the credit bureau that caused it gave us free access to a program called XXXX XXXX at a competing credit bureau, Experian for one year. This complaint concerns Experian. Last week I and my husband each received two emails from Experian/XXXX XXXX stating that our protection had run out and our accounts were unfrozen. Since it was about time for our free protection to run out anyway, I thought the emails were probably legitimate. I did not click the link in the email because of concerns about phishing. So I attempted to place a simple freeze on our credit at Experian through their website. First, I got a statement that the accounts were already frozen. This contradicted what the emails said. So I went back later to the website to double check and they repeatedly told me they could not process my request. A phone call resulted in no response from any human being and no access to any human being. The computer generated response over the phone was that our accounts were still frozen. I have no idea whether they are frozen or not and I can't reach a human being to find out. Meanwhile, we may or may not be exposed to any fraudster who wants to take out credit in our name.
Product: Debt collection

XXXX XXXX Account No. XXXX On XX/XX/2020, A company is shown as PORTFOLIO RECOVERY A was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitors creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. Im looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made payment arrangements as I had financial issues and made my payments. Later I found out I was reported to the credit bureau without my knowledge as I was making my payments. I tried to talk to them to remove it and their response was, whats done is done. I never gave my consent to the report as I was making my payments. 

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.