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

I re

cently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

After checking my consumer report I noticed XXXX XX/XX/XXXX reporting an account open on XX/XX/2020 without my consent. I never did any business with this company someone must have used my personal information over the web to impersonate me. Also, XXXX and this company are committing identity theft and violating several of my rights by continuing to furnish this fraudulent data without ever reaching out to confirm it with me. Under XXXX U.S.C. 1681i ( 7 ) Method of verification this account is in violation it is reporting without valid evidence. XX/XX/XXXX andXX/XX/XXXX are not being fair furnishing fraudulent inaccurate information and this has become very harmful to my finances and ability to get credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 inquires on my Experian report, that i did not authorize. I have sent disputes to the companies and the credit Bureaus many of times, they still refuse to remove them. these inquires are not attached to any accounts.they are making it very hard to get credit. it is causing me to be decline everytime I apply. these are the inquiry Dates below. 

Capital XXXX- XX/XX/XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Complaint Against Equifax for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing.

I have already attempted to contact Equifax regarding this issue but have not received a satisfactory resolution and they refuse to reinvestigate. Therefore, I am seeking your assistance to ensure that Equifax complies with FCRA regulations and corrects this issue immediately.

Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion.

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS 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 willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I send money to XXXX XXXX with a XXXX  number XXXX using XXXX  amounting {$85.00} or XXXX pesos in XXXX peso last XX/XX/XXXX. And it was a successful delivery to their account according to XXXX  because it showing delivered but then when i transfer the funds its not showing any sendwave transaction to my recipient statement of account there is a XXXX pesos deposit but from XXXX XXXX. She needs a confirmation if this is the money i send her because she doesn't acknowledge as my transfer because its not showing sendwave. Because of this i want my money back. I file a dispute to my bank but it didn't go thru. Im asking to dispute the transaction thru XXXX  but then im having a hard time filing that with them. I need my money back if my recipient do not acknowledge my transfer. Thank you. 

I attach my receipt from XXXX  and i attached my recipient screenshot showing a XXXX  XXXX  deposited XXXX. I need and she needs confirmation if that XXXX is my transfer.
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 : Reference # XXXX, Account Name : XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX : Account # 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: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. XXXX ) What is your authorization of law for your collection of information? XXXX ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
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 # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, ( Original Creditor : ) # 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 reporting, credit repair services, or other personal consumer reports

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.
Product: Credit card or prepaid card

On XX/XX/2022 I tried to purchase furniture using my new Costco Citi credit card to purchase furniture for the apartment I had recently moved into, I had used this card to purchase gas a few miles away earlier that day. The purchase was marked as fraud ( when it was not ) and so they froze my card. When I called the tell them it was not fraud I was told to verify my account info, which I did, and from there they told me I couldn't get a code they needed ( for some reason? ) to unfreeze my account via text, which is apparently an option, but for some reason they couldn't do. And was then asked about other phone lines I had for them to call, which once again I didn't have. The only option then presented to me was for them to mail me a piece of paper with a reference code for them to unfreeze my account. Which I told them wouldn't be feasible since the mailing address mail would be frozen for the next month. I was told it was the only option and so I accepted that I wouldn't be able to use my credit card for the month while I waited for the mail to be unfrozen. Flash forward to XX/XX/XXXX and this piece of mail still hadn't arrived so I called them again and they said they would send out another letter. It is now XX/XX/XXXX and I still haven't received it so I called them once again and still my only option is this letter and its now been over 2 months since I've had access to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. 

XXXX XXXX XXXX XXXX is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX XXXX
Product: Debt collection

Getting 6 or more phone calls from Synchrony bank at all hours. From XXXX XXXX to XXXX XXXX
Product: Credit reporting

Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by ExperianIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.
Product: Debt collection

The collection date was opened on XX/XX/XXXX, on a XXXX XXXX  lease signed in XX/XX/XXXX. The collection amount is {$8800.00} by Aldous and Associates PLLC and this debt collection is very unforgiving due to unforeseen circumstances. I was ready to move into the apartment but I did not get the chance to because of the COVID-19 impact on the US in XX/XX/XXXX. I tried calling the apartment and negotiating with them to break the lease since I would not be able to move into the apartment due to the nationwide lockdown and the cancellation of in-person school. The apartment was uncooperative and did not give me an option to pay a fee to break the lease. I did not even move in or obtain the keys to the apartment but they still charged me the price as if I lived there for a full year. As a student, I was put in a difficult position and did not know what to do with this lease that I was not even able to live in because of the unexpected pandemic. I hope that there would be lease forgiveness just like there was student loan forgiveness because the past two years were tough on everyone. I would never have broken lease agreements or not paid off my apartment lease if the coronavirus did not prevent me and many others from attending school and living in student housing.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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

On XX/XX/2023 unauthorized inquiries were made on my credit.
Product: Bank account or service

I overpaid my US Bank XXXX XXXX XXXX by {$0.00}. The credit sat there for about 3 months, then it disappeared under a " Small Balance Adjustment '' on XXXX XXXX, 2016. It is my XXXX cents, not the banks, and I called about it. The nice lady told me the {$0.00} had been added to my credit limit, which would have made it {$5000.00}, but that 's not what happened. My credit limit remains {$5000.00} ; my XXXX cents disappeared. I requested a call from a supervisor but did n't receive XXXX. While I realize it 's piddly, nonetheless, it is my money, not the bank 's, and if the bank is taking everyone 's small balance credits, then this seems to be quite a cash cow, if you will, for the bank. I read online about this happening to other consumers at other banks. What I did n't read was that there was a policy by the banks to absorb their customers ' small balances. I wonder if I inadvertently signed an agreement, with this disclosure in the tiny print. If I did, I did not mean to allow it. XXXX pennies saved are XXXX pennies earned -- and I want to earn them, not the bank. If it is banks ' policy to take their customers ' balances, that should be stopped. I can furnish the statements regarding my own XXXX cents ' worth. What else would you need from me?
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.
Product: Credit reporting or other personal consumer reports

Credit inquiries on your report that you don't recognize
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] reported on XX/XX/XXXX and then it says i opened this account XX/XX/XXXX XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ Jefferson Capital ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ Jefferson Capital ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says collections every month XXXX : [ XXXX XXXX  ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is closed and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month
Product: Credit reporting or other personal consumer reports

I sent in letters from the courts stating they did not report these bankruptcy on my report and that the credit reporting agency are reporting inaccurate information and it can back verified with no proof of who is verifing it.