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

XX/XX/2023 - Asked credit report agency to verify accuracy of information. 

XX/XX/2023 - Investigation results ; Verified and Updated information After the investigation for timely, accurate, and verifiable information from creditors, there were still discrepancies and inconsistencies across all three-credit report ( XXXX ). 

Name Of Account / Acct Number Verification Collection Management : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit reporting Act, the accounts above have violated my right.

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 an account without my written permission.
Product: Credit reporting or other personal consumer reports

Equifax abused consumer reports & abused the internet as a free utility to send disputes that make no sense instead of helping the consumer resolve them virtually without having to send ANY letters
Product: Debt collection

I sent a letter in XX/XX/2021. I've never received a response. This company is reporting to the credit bureaus that I owe them a debt with no original creditor information. They're trying to collect on a debt thats not owed to them. They're refusing to send me debt validation. They do not have a license for the state of Ohio.
Product: Debt collection

These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.
Product: Credit card or prepaid card

Fully endorsed coupon payment tendered to supplier and was not applied. Amount {$2000.00} sent certified mail and delivered XX/XX/22 tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/XXXX..I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing. It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against EQUIFAX due to systemic failures in conducting proper investigations of consumer disputes and for reporting inaccurate credit information.

The CFPB fined EQUIFAX {$15.00} million for failing to address credit report errors and not conducting adequate investigations in response to consumer disputes.. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation.

Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, including the CFPB and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to dispute fraudulent inquiries on my file with Equifax & XXXX wrote letters several times even tried calling the dispute department for both Equifax and XXXX, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Identity Theft & Data Breach Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues. 

These discrepancies appear to be the result of identity theft, and I believe they are part of a larger data breach that has compromised my personal information. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that is inaccurate, incomplete, or unverifiable, and I am exercising my rights to have these entries investigated and removed from my credit report. 

Please conduct a thorough investigation and provide me with a written confirmation of your findings once the corrections have been made. If you require any additional documentation or information to facilitate this process, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution.
Product: Checking or savings account

I am filing this complaint regarding US Banks recent actions of closing my account without providing a clear or specific reason. Despite multiple attempts to contact the bank and request an explanation, I have only received vague, non-descript responses. This lack of transparency is affecting my ability to manage my finances. 

I have always maintained my account in good standing, and there is no apparent reason why my account should have been closed, nor why I should be denied the opportunity to open a new account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am a victim of identity theft. I have filed a complaint against these credit reporting agencies and they have not removed these from my credit report. According to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), these items should be removed within 4 days. These are still on my report over a month later! I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : XXXX XXXX Account XXXX Balance {$2400.00} XXXX XXXXXXXX Account XXXX {$320.00} XXXX XXXX XXXX Account XXXX {$2400.00} XXXX XXXX Account XXXX {$1100.00} XXXX Account XXXX {$3300.00} XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Amount {$540.00} XXXX XXXX {$2300.00} The following names and addresses also need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : I've disputed multiple on my credit report that XXXX XXXX XXXX doesnt belong to me, i verified with XXXX that i have no charge off accounts and i'm in good standings with them. My question to Equifax is why does a charge off from XXXX keep showing up on my Report???? after disputing it multiple times? 

Also Equifax said my info was out there on the dark web from a so called website : XXXX / i've contacted my local FBI and starting a report with them. 
They did nothing to help me with that, also they told me my data has been compromised from the Breach!
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

Innovis and XXXX are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX any other information is incorrect. You have an obligation to report account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PAYMENT WITH BAYVIEW WAS REPORTED 30 DAYS LATE ON XXXX  IN XX/XX/2017. THAT IS NOT CORRECT. MY PAYMENT WAS NOT LATE.
Product: Debt collection

When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit.
Product: Mortgage

I got sick in XX/XX/XXXX. I lost my job. I had XXXX  and was out of work for months. From day one I have been in contact with my mortgage company. updating them monthly on payments or when i can make payments. i ended up being put on a forbearance. this helped me get some payments done. I was still unemployed. i called back to see if there was anything i could do. they told me i could apply for putting the past due payments on the back of the loan when the forbearance was done. i called back and was told the fha loans program had changed and i had to wait 90 days past due to apply for this payment assistance. At this point i was working and i had told them this. i wanted to start making payments but was told i wouldnt be able to get help with the past due if i dont let my account go 90days past due. i was very scared to do this, but did it. im not even to 90 days yet, that will be on XX/XX/XXXX. i called on XX/XX/XXXX and spoke with an advisor who took all my info for the form to apply for the assistance for putting payments on the back of the loan. i called on XX/XX/XXXX and was told that i was only able to apply for either the forbearance or the other program i couldnt do both and also 90days will show up on my credit. this is the first time hearing this. i was very upset. i asked to speak with the manager. i explained my situation and he told me i have a job and im unable to apply for ANY kind of assistance. i was very upset and was crying. this was extremely stressful for my situation. i called back and spoke with someone, she made one comment let me fix your notes not sure if she was changing my notes. then told me whatever the manager told you, is what you have to do. i asked again what were my options to get my account current and she said my ONLY option was to pay my mortgage. she told me personally if it was me i would be getting a loan or selling stuff, anything to pay my mortgage. she told me at the current date there was nothing i could do. i said at what date can i get assistance and she would not tell me. at this point i have talked to multiple people everyone says different things. this is going to effect my whole family and my health. i was told by this company to stop making my payments to be able to apply for help. this is not right! i have contacted an attorney for legal help because this is my first time owning a home, i dont want to lose my home. i thought by keeping in contact and explaining my situation that wouldnt happen. i dont trust them. i feel like im being punched. i also have names of the people i spoke with as well as the manager.
Product: Credit reporting or other personal consumer reports

Unknown inquires appear on my credit file that I did not authorized nor gave any consent to nor was any of those inquires initiated by me. SEE ATTACHMNENT of identity Theft Report Number XXXX filed with the federal enforcement agency FTC. All the fraudulent/unauthorized inquires are listed within.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to misapplication of electronic payment ; payment in amt of XXXX dollars should have been applied XXXX XX/XX/2020 ; this is reported by XXXX to Experian as the date of last payment. 
However, The alleged Default is because the payment was manually misapplied to the wrong account ( see next page ). Since the misapplied payment would have prevented the default, and since the accounts were in forbearance and deferment, the CO status as reported is false and misleads potential creditors to believe that it was negligent in managing my repaying my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consistent on time payments with XXXX XXXX XXXX XXXX. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit report
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the XXXX 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.
Product: Debt collection

DEBT COLLECTOR USED ROBO DIALER TO CONTACT ME ABOUT A DEBT NOT BELONGING TO MYSELF. 
WHEN I ASK WHY THEY USED A ROBO DIALER I WAS TOLD IT WAS COMMON PRACTICE, I REPLIED THAT The Telephone Consumer Protection Act ( TCPA ) prohibits robocalls made to cell phones without a user 's consent.THAT AS OF XXXX THUS YEAR THE U S COURT SYSTEM REMOVED DEBT COLLECTION EXCEPTIONS TO THE TCPA.
Product: Debt collection

I applied for a XXXXXXXX XXXX XXXX account. The dashboard directions said I could cancel anytime. It turns out that you can NOT cancel these ads ever. I attempted to stop the account as soon as I realized it would keep charging my card indefinitely whenever and whenever XXXX decided to do it. 

I contacted XXXX to stop. I contacted my bank to reverse the charges ( they did ) I had to cancel my card to get the charges to STOP. XXXX kept harassing me to pay the amount I DID NOT agree to pay for ads that I have no idea when nor when they were placed. They refused to reverse the charges. For such a small amount, really? They threatened to send me to collections. I told them you made those charges in ERROR. I did NOT agree to it. They told me I could get a credit for {$38.00} if I spent more money. What a joke! I said no! 

So, they have now dinged my credit report for this small amount. I have filed a complaint with the FTC and I want this public. This is harassment by XXXX. I want these charges dropped and I want the FTC to investigate them for harassment and fraud XXXX ad charges. 

I DO NOT owe them anything. And for them to be XXXX XXXX  '' and harrass a small business like this is inexcusable. AND, for this debt collector to send an email ( I only got it today XXXX ) is unprofessional and they should have confirmed the charges were legit. 

XXXX likes for businesses to get reviews - I'll write one for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account
Product: Credit card or prepaid card

My wife was hospitalized for 7 months and couldnt help my son with school homework. 

I decided to look for a place that could help my son with his school homework. XXXX XXXX promised includes ( brochures and advertising ) that my son in 6 months would be the best student at School. 

I told them about my son XXXX and the XXXX XXXX promised to have everything my son needed son needs My son spent 2 hours inside this place doing nothing and alone because this place They dont have teacher enough and hiring students without teachers certificate. 
I have messages talking about my son incomplete homework or wrong homework with my son School teachers notes. 

I have photos and messages exchanged with the owner of this XXXX XXXX about my son situation with this place. 

Everything XXXX XXXX promised did not happen.This school has been sending invoices for months and my son has not been there for months. 

My son School right now helping him with a special needs program approved by XXXX XXXX XXXX. The XXXX XXXX didnt inform us about special School program and taking our money. 

The first month We received a debt XXXX XXXX dollars without the service and my son still not use and they are charging every month.
Product: Debt collection

I am writing to formally express my concern regarding a phone call I received on XX/XX/year>, at approximately XXXX XXXX XXXXXXXX ( XXXX ) from an individual named XXXX, who stated that she was calling from XXXX XXXX XXXX XXXX 

During the call, XXXX was rude, unprofessional, and falsely accused me of failing to pay my rent. When I attempted to clarify that her statement was inaccurate, she continuously interrupted me, used an aggressive tone, and disregarded my response. Additionally, she went as far as threatening to damage my credit score, which I found highly inappropriate and unprofessional.

I take my financial obligations seriously and do not appreciate being spoken to in such a manner. I kindly request that this matter be investigated and that appropriate action be taken to ensure that future interactions with your representatives remain respectful and professional.
Product: Credit reporting or other personal consumer reports

Experian did not fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable and thorough reinvestigation of disputed information on my credit reporting. This has resulted in the continuous inaccurate reporting or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of disputed information outcomes. These failures align with my experiences and multiple attempts where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian : s inaction violates federal law and my rights as a consumer.
Product: Debt collection

Contacted XXXX XXXX XXXX on XX/XX/2021 advising of a debit that was placed on my credit file that did not belong to me. I asked both credit bureaus to verify the information because I have no knowledge of XXXX XXXX XXXX XXXX. I have also disputed this information a couple times and the information could not be verified by none of the credit bureaus. 

On XX/XX/2021 I received a letter from XXXX stating that the debit could not verified and it has been removed from my credit profile. XXXX has sent me the attachment stating that the information was verified and it would not be removed from my credit report. I spoke with XXXX on XX/XX/2021 which he stated that debit recovery solution was contacted and said it was my debit. I then asked XXXX did he receive anything with my name on it that I have signed for there service and he advised no.