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

I have been trying for years to get my Experian credit report. I filled out all the forms requested and only get a response that my date of birth, name or ss # is wrong. I have tried to correct this on line and tried to call over the years only to be on hold for over an hour. When refinancing my home even the credit union could not get through to Experian and finally agreed to use another credit company to complete my loan. This has been going on for years and it is effecting my credit score when companies check my credit and are told " Experian does not have information about my credit history '' XXXX XXXX XXXX have no problem with my credit history. I have worked very hard to have 100 % payments on time, keeping my credit usage below 20 % and in general keeping a good credit score. Experian 's refusal to correct their mistakes or even answer their phone is inexcusable and is effecting my otherwise good credit. I know my birthday, name and ss #.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Barclays Bank Delaware authorized XXXX XXXX XXXX XXXX with their intent to sue me over alleged credit card debt in the amount of {$5700.00}. This letter, dated XXXX from this law firm, took me completely off-guard, and has lead to extreme XXXX XXXX XXXXXXXX since receiving. This debt has been on my credit report and reported as charged off by Barclays. If one was to look at my credit report, you would see that I have " Excellent '' credit, aside from this one erroneous blemish that Barclays and XXXX are determined to falsely report. This has affected me emotionally and psychologically, and has led to XXXX XXXX XXXX XXXX XXXX XXXX. Coupled with my entire industry being shut down for months due to strikes, with no earning potential or job prospects, and a potential law suit being hung over my head out of the blue, it has been a very difficult time for me and my family.
Product: Debt collection

Dear SOURCE RECEIVABLES MANAGEMENT, I am a victim of identity theft, and I did not make open the account in reference. I request that SOURCE RECEIVABLES MANAGEMENT remove the account and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and the CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. Furthermore Equifax continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. 

Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act.

None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. 

The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX, XXXX  XXXX Account # XXXX {$300.00} open XXXX, Closed, XXXX XXXX {$970.00} # XXXX XXXX. XXXX, XXXX, closed, XXXX XXXX XXXX {$2500.00} collection XX/XX/2022, Department of Treasure {$220.00} 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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act, the list of accounts below has violated my federal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I checked on my credit report and noticed some things are incomplete and not accurate And according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 681i They are supposed to do this treatment in accurate or unverifiable information ( A ) in general after any reinvestigation on the paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modified that item of information as appropriate based on the resident of the rein investigation and ( ii ) promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request that the XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.
Product: Credit reporting

It is impossible to contact Equifax , After many hours, many phone numbers, I can not speak to a person. I have had this problem for years and something has to be done. They have sent my report to the wrong apt XXXX number, I never receive it, I do n't know who has it. There is nothing I can do about because there is no one to speak to. I called again today XXXX/XXXX/15 gave them all the information for my report, but they did not ask for my apt number, so now my report will go " i do not know where '' Something has to be done about this company, it should be mandatory that a number is available to people to call.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX MA, XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Single family ( XXXX XXXX XXXX Residential Spouse or Co-Applicant XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Account Info Account Name XXXX Account Number XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXXS Account Number XXXX Account Type Debt Buyer In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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 advance 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, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$160.00}
Product: Student loan

I was paying my student loan through a third party for over a year. At some point last year, the third party stopped sending payments to the student loan. I was never alerted. I learned of the situation after checking my credit report. Payments were showing over 90 days late. I contacted XXXX XXXX XXXX XXXX for information. They only had the address and phone number of the third party company, that is why I was never alerted to the missing payments. My credit report now shows 90 days late for a payment. This derogatory post has really impacted my credit score. I am now current, and have asked that XXXX XXXX XXXX XXXX remove the one negative credit report entry from this situation.
Product: Debt collection

Experian reporting agencie is reporting false and inaccurate information on my credit report I have reached out to them on this matter there are three XXXX  debt collections appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also website is giving a stange Error the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00}
Product: Debt collection

XXXX XXXX called my cell at XXXX XXXX on XX/XX/XXXX. I did not answer the call nor did they leave a message. On XX/XX/XXXX they called again, this time at XXXX XXXX. At this time I asked them to never call me again at this time of the morning. I let the representative know I live in California and they were calling me too early. On XX/XX/XXXX I received another call, again at XXXX XXXX. I told the representative that I was reporting them as I have a right to a quiet morning. Also, the debt in question is over 8 years old and I'm not certain it is mine debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment being XX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and XXXX refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern The companies TRANSUNION, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX are refusing to remove the following inaccuracies from my credit report after disputing the matter since XX/XX/2021. The following accounts needs to be deleted and removed immediately, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : LATE PAYMENT. As I was never late on the XXXX XXXX account, and the other following accounts were not verified, nor accurate. The following companies are also reporting incorrect amounts owed and dates. The companies are giving me a hard time disputing the information. Threatening to keep the debt, and or public record on my credit report for XXXX  years. Advising me to stop calling, and disputing the inaccuracies, due to the choice theyll never delete it. TRANSUNION and XXXX is also giving me a hard time when disputing the bankruptcy public record and deleting the derogatory record. When Ive already provided multiple documentation stating the following accounts are not verified nor accurate. Its unfair for the three credit bureaus TRANSUNION, XXXX, and XXXX to report different account information, and different balances when a consumer is not responsible of the inaccuracies.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX XXXX, money was taken from an ATM from my Chase account. I called Chase and had my debit card ended within the hour. I filed this claim and told Chase it was not me as I was at my office at that time at XXXX XXXX XXXX in XXXX XXXX  the claim took a long time to process and in the last few days the temporary credit Chase issued was rescinded and the claim denied. They said the device was a known device that made the withdrawal and I was not there. I spoke to Chase and they said they did not pull ATM camera footage. They did not do an adequate investigation. There was no way I could have made these withdrawals. Chase is refusing to give the stolen money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following alerts from all three of my credit reports : TransUnion : # XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX  about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.
Product: Debt collection

Afni has reported that I owe XXXX dollars and have missed multiple payments over the past 2 years. I was never advised of this debt and never given the opportunity to resolve the debt. I never gave consent for this to be reported on my credit report as stated by law of fair credit report act
Product: Payday loan, title loan, personal loan, or advance loan

Nature of the Complaint : Service Issues Complaint Description : I, XXXX XXXX, have been a consumer of Afterpay since XX/XX/XXXX. Over this period, I have successfully completed over XXXX purchases with Afterpay, demonstrating a consistent and reliable repayment history. All these purchases, including my last one which was settled before its due date of XX/XX/XXXX, have been paid in full. Previously, my spending limit with Afterpay was above {$1200.00}. However, unexpectedly, this limit was reduced to a mere {$50.00} during the XXXX shopping period. This reduction came as a surprise, especially since my last two purchases were paid on their respective due dates, and there was no justifiable reason provided by Afterpay for this significant reduction. 

Upon contacting customer service, I received an unsatisfactory response that failed to adequately address or rectify the situation. Afterpay 's statement indicated a payment due on XX/XX/XXXX, which was paid on XX/XX/XXXX. However, this does not consider potential banking errors or the customary five-day grace period typically afforded by credit agencies. It is also important to note that there have been no instances of collection actions against me for late payments, affirming my consistent record of timely settlements. 

Afterpays explanation that the spending limit is a dynamic measure influenced by repayment history does not align with my demonstrated pattern of reliable and timely repayments. Their system marked a payment as late despite it being within the grace period and failed to consider the overall positive history of my account. 


I am submitting this complaint to the Consumer Financial Protection Bureau for further investigation, as I believe Afterpay 's actions violate fair consumer practices and lack transparency in their credit assessment processes. 

Attachments : Copies of communication with Afterpay and the XXXX XXXX XXXX Record of transactions and payments with Afterpay