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

I paid someone to sit on the PHONE for 2 hours waiting for a person to answer the phone from EQUIFAX. I was not able to freeze my account at EQUIFAX from the EQUIFAX website. Once a person from EQUIFAX answered the phone, they said ( THEY ) would FREEZE my account. There was nothing stopping it from being frozen!!! When I asked the person from Equifax how I could re-freeze my account from the website, he refused to tell me, then very courteously hung up on me. Well after XXXX and XXXX hours of work I finally got my EQUIFAX re-frozen. Way too much hassle. The 3 agencies need to be eliminated and combined into one agency with much better website operation and security and better customer service. No wonder so many peoples personal info gets stolen!!! The GOVERNMENT needs to fix this. XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this to the point of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX  with proof of error. Attached is the document showing that the collection account was opened in XX/XX/XXXX, but XXXX is reporting XX/XX/XXXX which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a collections account by Credence Resource Management was added to my Credit Profile for the amount of {$2400.00} under the original creditor XXXX XXXX XXXX. The account number as per the credit bureaus is XXXX. I have never had any relationship whatsoever with XXXX XXXX XXXX, hence there is no Debt Pending. The collections account has been added fraudulently, without checking whether the information is valid or not.
Product: Credit card or prepaid card

This is related to complain XXXX. At this point I received no respond from this complain. They 've put in the notes that they 've contacted me through a phone call. I have received no phone call from them. 

Maybe my complain is not clear. 
I did a balance transfer of XXXX online through Chase from my Chase account to my XXXX account. 

The money did n't arrive. I called Chase they told me that there was a wrong account number on my balance transfer. I asked them why did the transaction go through, they said Chase assumes that their customers are capable of entering a right account number. 
They said what is going to happen XXXX will send the check back and they they 'll credit my account. They also said that I 'll receive a letter. 

I waited 2 months nothing happened. I called, send emails, I heard nothing from them. 

I went and disputed the transaction. I got credit. 
I was expecting that they would put a stop payment the check since there was n't a right account number. 

After one moth they debited my account for XXXX. I called, they said XXXX matched the check to someone 's account, a man, with similar last name like mine. They said there 's nothing they can do anymore and they 're done with me. They told me to call XXXX. I asked them why did n't they stop payment on the check since the account was wrong? No answer. 

At this point I have received no letter, no info, no phone call from them about what happened to the check. They just debited my account for XXXX and that was all they 've done. When I call them they say there 's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has stipulated to a settlement in a class action settlement to which I am a plaintiff. They admitted to error that has continuously damaged the principals credit score. I respectfully demand as stipulated in the settlement for XXXX XXXX XXXX  XXXX XXXX that the bogus debt reporting be removed immediately
Product: Vehicle loan or lease

I had got a car in 2017 from CREDIT ACCEPTANCE CORPOR my car was talking and I had difficulties or financial problems and family problems and I couldnt afford to pay it off but it still open and it got some that I paid on there and they took off and it just a whole bunch of stuff on my credit thats on there thats unreasonable
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. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX  : # XXXX, has violated my rights XXXX XXXX XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  : XXXX, has violated my rights. 
XXXX : XXXX, has violated my rights. 
XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX : XXXX, has violated my rights. 
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 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. 

None of the above accounts exist on my XXXX or XXXX credit reports. I have attempted numerous times to correct this with Transunion. I requested a review of the XXXX accounts using the CFPB platform for both XXXX and Transunion. The result from XXXX was to delete the accounts while Transunion continued to report them, how can this be accurate? Transunion is not consumer centric nor does it follow consumer rights law.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX ) to seek their assistance in resolving this issue. XXXX XXXX XXXX and the following inquiries are still on my report your investigation did nothing zip szero zilcg you send me another ambiguous response and the following inquiries are still on my report your investigation did nothing zip zero zilch you send me another ambiguous response XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED AND REPORTED, THROUGH AN PREVIOUS EMPLOYER AND EQUIFAX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 CXXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

This CONSUMER PORTFOLIO SVC is reporting hard inquiry on my credit report that does not belong to me. I ask CONSUMER PORTFOLIO SVC to remove this information from my credit report. 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXhone number By mail only
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XX/XX/XXXX DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; MED DATA SYS XXXX MED DATA SYS XXXX ARS ACCOUNT RESOLUTION XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. This account is inaccurately and erroneous reporting. 
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 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 DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA 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 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

XX/XX/year> I have inquiries I did not submit or let anyone do so and they are affecting my credit score. Also I have an account with XXXX  XXXX  a collection I paid off because they were going to remove from my credit and it still appears with late payments account was not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX ( XXXX XXXX XXXX ) Balance : {$1100.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$190.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$580.00} XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX ( XXXX XXXX XXXX XXXX  ) Balance : {$240.00} XXXX  XXXX ( XXXX XXXX XXXX ) Balance : {$530.00} EXPERIAN Collections : XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Balance : {$190.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX  XXXX ) Balance : {$580.00} XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX  : XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXL ) Balance : {$320.00} XXXX XXXX XXXX IN ( XXXX XXXX XXXX ) Balance : {$51.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX. 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.
Product: Student loan

To discharge my loans because I filed for bankruptcy in 2010 and they lied to the court that I had to prove hardship but I didnt and my loans should have been discharged in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list outdated accounts on my credit report. Ive sent several letters as well as filed a previous complaint requesting the removal of the outdated account and the account remains on my credit report. 

The results of their most recent investigation also concluded the account was old and outdated, yet it remains on my report. See attached. In response to the most recent complaint, Experian stated According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. 

In reviewing the attached screenshot all will discover that is an outright XXXX, as the account still remains on my report as of todays date XX/XX/2020. The " current copy '' of my credit report they stated they would send arrived but it did not belong to me it belonged to my XXXX. The same account is also listed on her credit report. Experians response indicates their systematic commitment to reporting inaccurate information to increase their profit margin. 

Despite three written requests, the outdated items still remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against National Credit Adjusters. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Vehicle loan or lease

XX/XX/XXXX I noticed two negative credit marking on my XXXX  Consumer Credit Report from Kia Motor Finance. I spoke with an agent after multiple transfers and hold times for almost an hour in reference to my dispute. I was advised by the dispute department to submit a credit reporting dispute due to the late markings being charged from an Insufficient fund fee which was taking out and applied to the fee and not as a payment transaction. Kia 's online system allows you to view the payment transactions, but not the breakdown of how payments are applied. I requested a pay history which shows when the monthly payments posted to the file. No payment was missed. 

I was never called to advised any fees had not been paid and was unaware of any issues, even though I am the primary customer on the file and my XXXX XXXX XXXX is co-maker. 

I reviewed my credit this morning XX/XX/XXXX which decreased my XXXX score more then 30 points now that there is a 60 days delinquency now showing from Kia Motors. No payments have ever been over 30 days delinquent and it is unfair that my efforts of being a good standing consumer is now in jeopardy due to this matter I called Kia Customer service at XXXX XX/XX/XXXX to ask to speak with the dispute department regarding credit reporting and I was refused to be transferred due to payment which was due on XX/XX/XXXX has not been posted to the account. Even though it is and arrangement on the file for payment of XXXX for XX/XX/XXXX. I asked to speak with a supervisor and was placed on hold for more then 25 minutes before a team lead XXXX ( employee # XXXX from XXXX XXXX location ) took the call. I again requested a contact number or department that could asset with my dispute/complaint and he as well stated their is no number to contact that department. He advised that I should mail my complaint to Kia Motor Finance at XXXX XXXX XXXX XXXX XXXX CA XXXX. I asked how would I be able to follow up once I submitted the letter. He advised to include my name and call back number but still gave no instructions for resolution.
Product: Credit card

I went to make a payment online and their website had been updated 2 weeks ago now I ca n't access and make my payment online. I called them and they said that since I closed the account a while back that now I ca n't get access to the account online and must mail or pay by phone.