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

XXXX XXXX XXXX is not reporting my 100 % on time payment for my car payment to Equifax and XXXX. They refuse to report on those to credit bureaus. So there is a XXXX point difference between the 3 reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX XXXX {$9500.00} XX/XX/XXXX - Acct # XXXX XXXX {$5500.00} XX/XX/XXXX - Acct # XXXX Amt {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My XXXX credit card from XXXX XXXX  ending in XXXX have disappeared from ALL THREE credit reports, I have contacted XXXX Bank and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus. 

Account is in good standing, never late opened back in XXXX, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( XXXX, Equifax, XXXX ) I also wanted to mention I have added my husband as an authorized user ( XXXX ) on this same account and also for him this card is not being reported on his credit report.
Product: Credit reporting or other personal consumer reports

For the past 11 months I have been reaching out the bureau to remove inaccuracies through out my credit report and all lead to no progress. Its been months now and I dont believe have been treated fairly. Under 15 U.S. code 1681e ( b ) I have the right for all my information to be correct to it maximum correctness and should not be tormented with incorrect information. Furthermore these are the accounts that I have been constantly disputing month after month with every chance that I get : 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 Under 15 U.S. code 1681i Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

15 U.S. code s-2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am not under standing why these laws are not being abide by or actions or not being taken to change these measures.
Product: Debt collection

Linebarger Goggan Blair & Sampson, LLP is sending me " demands for payment for delinquent civil violation ( s ) '' on behalf of Delaware Department of Transportation. The problem is that the debt was included in my XXXX XXXX bankruptcy [ XXXX XXXX. XXXX, XXXX XX/XX/XXXX ]. In fact, during my bankruptcy, the business continued to contact me demanding payment - to the extent that my attorney 's office had to reprimand the business for their illegal debt collection attempts while I was in active bankruptcy. At that point, the payment demands stopped for about a year until I just received one dated XX/XX/XXXX, again demanding payment for the discharged debt that I do not owe. 

During my bankruptcy, I notified the business several times in writing and over the phone that the debt was included in my XXXX XXXX case. I was told verbally by a representative that she notated my account with the bankruptcy information and I would not receive any more notices. I feel I'm forced to notify all relevant regulatory agencies at this point because the business is blatantly ignoring the discharge of this debt and at this point I feel their continued contacts are a source of harassment. Despite my best efforts they ignore my communication and provide no useful information. I must add that the business did not attend the meeting of the creditors, and never disputed the discharge of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report in Experian. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if, after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries. 

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX OF XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Experian is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was collected as automated to come back as " verified ''. This is XXXX! 
Experian is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate Experian regarding this matter. Next step is to sue!

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint requesting that the Credit Bureaus remove the disputed fraud items from my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the Following items from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} XXXX  OF XXXX XXXX Balance : {$3100.00} XXXX  OF XXXX XXXX Balance : {$10000.00} XXXX  OF XXXX XXXX Balance : {$6800.00} XXXX  OF XXXX XXXX Balance : {$8100.00} XXXX  OF XXXX XXXX Balance : {$3300.00} XXXX  OF XXXX XXXX Balance : {$9400.00} XXXX  OF XXXX XXXX Balance : {$7100.00} XXXX  OF XXXX XXXX Balance : {$460.00} XXXX  OF XXXX XXXX Balance : {$3900.00} XXXX  OF XXXX XXXX Balance : {$1600.00} XXXX  OF XXXX XXXX Balance : {$5600.00} XXXX  OF XXXX XXXX Balance : {$8300.00} XXXX  OF XXXX XXXX Balance : {$6700.00} XXXX  OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I contacted Chase Bank to assist me with XXXX Chase cards who 's interest rates on the debt have imposed financial hardship on our family of XXXX, with XXXX children in College. While we always pay our debts, even cashing in much of our retirement to do so, Chase 's unwillingness to consolidate the {$14000.00} on my accounts and lower the interest rates inhibit my ability to pay off the principal balances, and threaten the well-being of my family. Chase offers numerous opportunities for kids of different races to lift themselves up, and posts pictures of " One Republic '' concerts, and yet can not help the average American family who is honestly trying to do the right thing. I could just not pay the bill and let it go into bankruptcy, but yet I am trying to pay what I owe. This is a massive bank offering Chase Slate members 0 percent balance transfers for 15 months ... why can they not help me put this {$14000.00} debt into one place and assist me with my efforts to pay what I owe? And Chase Bank is claiming " Corporate Responsibility! '' They are only responsible for leading the American Family into massive consumer debt and relying on Social welfare in their retirement, when they have none to rely on, because they are too busy scamming the consumer on interest rates that are prohibitive : 29.9 % - 16 % ( My interest rates. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I got a call from a XXXX XXXX Credit card company saying that I was past due on my credit card. I have never applied for this card, so I asked when it was open and how much was owed ant the address on this card. I was told that it was open XX/XX/XXXX, there was a balance of {$140.00} on the card. I was told that it was sent to an apartment. She would not give me the address. I told her that I DO NOT live in an apartment I have lived in the house or the past 16 years. She told me that it was only the start up fee and late fees that were on the card. I have told her that it needs to be closed, I did not get it or apply for it. She said it would be closed and I would receive a letter. It can take up to 90 days for it to be cleared off my credit report. 
I have received a letter stating that the account is closed. Still to this day, it is on my credit report, causing major issues. It shows it as currently open, That I am LATE on the payment with a negative pay status. 
This needs to come off my credit report, it is now XX/XX/XXXX, and it is still on there.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the the accounts are accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U.S.SC S1681i, which mandates a responsible investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial ProtectionAct ( CFPA ) Which prohibited against similar voilations that has been made.
Product: Debt collection

The XXXX XXXX XXXX XXXX account is incorrectly listed on my credit report, showing an outstanding balance of {$5700.00}. I have no association with this company and do not owe this debt. Despite my attempts to resolve this directly with them, they were unwilling to assist. Additionally, I did not open this account on XX/XX/year>, as it appears on my XXXX credit report. 

According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. ), any account not attributable to an individual must be reviewed and removed. I contacted them 90 days ago to address this issue, yet the account has not been removed. This erroneous account has impacted my credit score, increased my interest rates, and restricted my ability to obtain loans for approximately two years. The credit report listing lacks contact information, does not specify any goods or services related to the claimed debt, and does not show any missed payments on my part. Given my lack of knowledge about this company and the fact that I am being charged for a debt I do not owe, I classify this account as fraudulent.
Product: Bank account or service

I recently opened an account with M & T bank, and I was excited to join their family, but I recently called to get help with fraud transactions of almost {$500.00}. My debit card got stolen and my cell phone at work. They must of got my pin from when I took out cash at an atm and saw what I punched in on the keypad. Its sad when you ca n't even trust your co workers, and at that your bank to help you with this and get all this money back. They treated me nasty over the phone, and gave me no help M & T bank. Horrible customer service so far! Please help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this to report XXXX fraudulent accounts appearing on my Experian credit report. These fraudulent accounts consist of an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and XXXX personal loan accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under account numbers XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my credit report, including the following inquiries : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX, XX/XX/XXXX : XXXX XXXX XXXX, XX/XX/XXXX : XXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I demand that the fraudulent items be removed from each of my consumer credit report. I request the removal of the following listed addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX, and XXXX XXXX XXXX XXXX, XXXX, NH XXXX, as well as the deletion of the incorrect name XXXX XXXX from my credit file. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.
Product: Credit reporting or other personal consumer reports

Act was violated and still in violation Account # XXXX Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income, and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974.

The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy.

The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information.

Requires notice : Agencies must notify the public of their record systems.

Requires consent : Agencies can not disclose an individual 's record without their written consent.

Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter 1 applies.
Product: Debt collection

Conserve illegally took money I didnt have out of my account, without written or oral authorization. On the day of XX/XX/year> I noticed a significant amount of funds in the amount of {$330.00} removed from my account without legal authorization. I never knowingly agreed to any automatic withdrawals from my account.
Product: Vehicle loan or lease

Toyota financial services is calling me every single hour during collection hours XXXX I am getting upwards of 7 calls per day during business hours from this company to collect on my car payment. I answer, and say I will call back once I am off, and they still continue to call daily. I consider this harassment, and it is making it hard to handle day to day activities with calls all day from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, DE XXXX Application # XXXX XX/XX/XXXX Denied/Did not approve for a line of credit due to a report provide by : EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Defendant XXXX requested my personal information including Social Security Number to process my application Defendant EXPERIAN provided Unverified, Unauthenticated, Inaccurate information concerning me to XXXX  PURSUANT TO 15 USC 1691 determines that it is Unlawful for any creditor to discriminate against ANY applicant for ANY reason ( including alleged bad credit ) It is illegal to be denied funding 18 USC 894 Collections of extensions of credit by extortionate means, whoever knowingly participates in anyway or conspires to do so in the use of any extortionate means. 1 ) to collect or attempts to collect an extension of credit or to punish any person/natural person/agent/beneficiary for the non repayment thereof SHALL BE FINED UNDER THIS TITLE OR IMPRISONED not more the 20 years or both. 
( No written permission was ever granted ) The corporations are " teaming up to con-spire against me.

other violations of this credit decision/denial / conspiracy include TILA 15 USC 1602 ( g ) TILA 15 1602 ( l ) Equal " credit '' opportunity Act These corporations ran my social security number without first having me fill out and sign a Ssa89 Form According to the Fair Credit Reporting Act ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission.

Pursuant FCRA Section 611 ( A ) ( 1 ) if " creditors/credit bureaus/CRA 's '' fail to respond to written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) I have yet to receive any response/reply's/notification/changes to or on my report regarding all of these disputes I have mailed/ filed and disputed. this is a {$1000.00} Violation Pursuant FCRA Section 623 I have disputed all of these debts and they have failed to report them as disputed to the CRA 's this also is a XXXX Violation Pursuant FCRA Part ( A ) ( 5 ) ( B ) ( ii ) The Credit Bureaus " EXPERIAN '' has reinserted a removed item from my credit report without notifying me in writing within 5 business days ( incident happened numerous times ) This is also a XXXX Violation I will consider filling out a Fraud Affidavit if these unverified, unauthenticated, and seek compensation for damages and violations if corrections are not made to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency list an acct # XXXX on my credit report. this account is past the 7 years to be reported, which is a violation of the Fair Credit Reporting Act. 

the last payment of this account was XXXX  This account should be deleted from my credit report.