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

I am a victim of the Equifax data breach, which exposed my personal and financial information to unauthorized parties. As a result, fraudulent accounts have appeared on my credit report, negatively impacting my credit score and financial standing. Despite multiple dispute attempts, Equifax failed to properly investigate and remove these inaccuracies, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events : XX/XX/year> I was notified that my personal data was compromised in the Equifax data breach. 
XXXX XXXX I checked my credit report and discovered unauthorized accounts that I did not open. 
I filed a dispute with Equifax, requesting an investigation into the fraudulent accounts. 
XXXX XXXX Equifax responded stating the accounts were verified, despite my providing evidence of fraud. 
XXXX XXXX I submitted a second dispute, requesting removal of unverifiable and inaccurate information. 
XXXX XXXX Equifax failed to properly reinvestigate and continued reporting the fraudulent accounts. 

Violations and Issues : Failure to Investigate Disputes ( FCRA 611 ( a ) ( 1 ) ( A ) ) Equifax did not conduct a proper investigation into my dispute.

Failure to Delete Inaccurate Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) Despite clear evidence, Equifax did not remove fraudulent accounts.

Reinsertion of Deleted Data Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Accounts that were removed previously have reappeared.

Failure to Maintain Accurate Reports ( FCRA 607 ( b ) ) Equifax failed to ensure my credit file was accurate and secure.
Product: Credit reporting 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 delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion reinvestigate these accounts : XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.

They did not disclose what exactly was verified and I don't understand how they may think its accurate when the start date and end date for adonis in particular are completely incorrect along with many other things in the report. If they actually took the time to analyze the report, they would see the mistakes. But they don't instead they want to violate my rights and throw my issues to the wayside these incorrect reports are taking a huge toll on my credit journey. I want justice to be established I've been trying to get this resolved for months if not longer I want a fair chance to build my credit as much as the next person why am I being treated so differently?
Product: Credit reporting or other personal consumer reports

I recently took a copy of my credit report and notice i had fraudulent account on my credit report please remove account from my report it is hurting my ability to obtain credit with future creditors and also it is my right to dispute this inaccurate item on my credit report.15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On XXXX separate occasions, I mailed dispute letters to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my XXXX XXXX XXXX XXXX XXXX  and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX ), and I received a response dated XX/XX/year> via email. 
The second letter was mailed on XX/XX/year>, and I received a response via email dated XX/XX/year>. 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party. 
I am including copies of my dispute letters, along with Experians responses, as proof of my complaint. I am now demanding that Experian immediately and permanently remove the disputed items from my credit report.
Product: Debt collection

The company says own the XXXX dollars. When I have had healthcare insurance the whole time. They never informed of the 6 other bills they take on. So I went for XXXX to over XXXX dollars 3 years. No one informed I own anyone anything until I look at my credit score to find these bills. So how do they expect me to paid them? They only reason I got this sent to me bc I reported on them on my credit. This is not correct way to do business. I pay my debts if I am told about them. But I dont know what is real or fake bill with them. They are charging me 10 interest on 6 of the bill they never informed me of. It looks they just try to damage my credit score with this bull. They never let me dispute or show them I had insurance. I did have insurance this whole time. no XXXX XXXX XXXX XXXX never told me about these bill either. So really hard for me to believe. One of is local radiology that my dad paid off bc we. XXXX we got a bill and we paid. If I dont get bill or proof that paying off that bill its hard for me to paid this company. Attached there proof to this which does not prove the debt to bc I have itemized state of each bill and they dont have that. XXXX to just see a doctor is stupid high if that all I am see as there items of charge. Im sorry I never see a er doctor for more 15 mins anytime I have been there. Average pay rate of a doctor in the XXXX is XXXX in tn and says he all dealt with my situation for 30 mins that XXXX and went 6 times accord to them XXXX should be the total amount on the debt with no insurance.
Product: Debt collection

After carefully reviewing my credit file I am concerned with some items you are reporting. Account name : XXXX XXXX XXXX or XXXX. Account number : XXXX. I am aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documents on this account or remove it from my credit report. Also send me a credit report reflecting these changes. Thank you for your help.
Product: Consumer Loan

I wanted to info that i have been contacted several times by Drive Time with collections efforts without being read my Mini Miranda rights with multiple Vmails with personal information, I shared this concern with managment at Drive Time and i got told that even though the state of Texas inforces the mini miranda to be read when debt is due, they ( Drive Time ) as a company are excepted and dont need to advise. I am a little worried my information is being given without consent as well as my rights not being read.
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 again the unverifiable items and update them immediately in my report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a number of student loans, and am on forbearance. I was basiclly bullied into it with constant phone calls as I was trying to make ends meet. I finally gave in. Now I have mounting interest. My eldest sister is also currently facing similar issues but XXXX XXXX now Navient is harassing me and calling me and bullying me to contact my sister to call them back. I have been told this is illegal and as a person who knows I will carry this debt with no hopes of owning a home or car, I can not continue to be harassed by a company when I am an honest tax payer and trying my best in a economy not doing well. I have over XXXX in student loan debt and I am paying for it emotionally and financially. It is a burden I feel that needs to be taken seriously but I am constantly overlooked as many people in my bracket. I will continue being a good and decent human being but I do not believe it is right to attack me over and over.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( ATTORNEY GENERAL Account # XXXX ) ( ATTORNEY GENERAL Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 modify that item of information, as appropriate, based on the results of the reinvestigation ; In ADDITION : XXXX has been ignoring my request to remove all fraud inquiries listed that has not been made by me, which is harming my credit being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Green sky/thc loan inquiry saying Home Depot acct XXXX As well as I got a call yesterday too.. I called the # asks for last four of social didnt go further because Im not putting my number in fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX   {$220.00}
Product: Debt collection

ENHANCED RECOVERY CO # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.
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 U.S.C 1681.

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

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate
Product: Mortgage

Despite several attempts to have XXXX XXXX remove inaccurate information listed below from my credit report they still remain in violation of the far credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XX/XX/2023 Experian, XXXX, XXXX Subject : Dispute and Demand for Removal of Inaccurate Late Payment from Credit Report Dear Experian, XXXX, XXXX I am writing to formally dispute and request the removal of a late payment entry on my credit report. According to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), the Truth in Lending Act ( 15 USC 1666 ), Bravo section 602, Alpha ( Section 602 of the Fair Credit Reporting Act ), 15 USC 1681b, and 15 USC 1666, I believe this entry to be inaccurate and in violation of my rights as a consumer. 

On XX/XX/XXXX of 2023, it was reported that I had made a late payment on XXXX XXXX XXXX. However, upon reviewing my records, I have found evidence that contradicts this information. there is not signed contract and not evidence of stament of bill mailed,20 days prior to the payment due date, also and not identity verification process confirmed It is important to note that under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 USC 1681b ). In this case, the inclusion of the late payment entry without proper verification or investigation has resulted in a violation of my rights as a consumer ( 15 USC 1681 ).

Furthermore, the Truth in Lending Act ( 15 USC 1666 ) establishes my right to fair and accurate reporting of credit information. The inaccurate reporting of a late payment adversely affects my creditworthiness and financial standing, and it is imperative that this erroneous entry be promptly removed from my credit report.

In light of the aforementioned legal provisions, I kindly request that you investigate this matter thoroughly and, if found inaccurate, remove the late payment entry from my credit report. I expect this request to be fulfilled within the legally required timeframe of 30 days.

Failure to comply with this request and rectify the inaccurate reporting may result in further legal action to protect my consumer rights. Please provide written confirmation of the investigation and resolution of this dispute within 30 days of receiving this letter.

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX unknown unauthorized Arch withdrawal transferred to XXXX XXXX XXXX credit card as a automatic payment from Capital One 360 banking account. I immediately reported to Capital One 360 that this was an unauthorized transaction and cancelled the payment. I informed them that I had some identity theft problems, and that I believed that someone may have access to my account. I then locked my cards and online transaction. I called XXXX XXXX XXXX reported unauthorized transaction and there was a reversal of funds. Let Capital one 360 know that XXXX had refunded the transaction of {$1500.00}, I was informed it would take 3 days to reflect in my transaction statements I was to call back if I did not see the credit or there was any other unknown or unauthorized transaction. On XXXX XXXX I again had a pending withdraw in the amount of XXXX. I called Capital one I was told that a dispute was being filed, I. 10 days I would receive a credit I. The amount of {$1500.00}, the investigation would take up to 45 days. If I did not receive my credit to call back on XXXX XXXX. On XXXX XXXX I received an alert stating the dispute was completed and settled. I had not received my credit. I called Capital One again, I was told that the dispute was not done correctly the disclaimer should have been read to me. It was read to me, then told that it would take up to another 10 days to dispute to call back on XXXX XXXX and I would get my credit. XXXX then contacted me about getting there second reversal refund of {$1500.00} credited back to them. They had sent XXXX refunds on XXXX XXXX and on XXXX XXXX. I contacted Capital One with XXXX on the phone with me to resolve the discrepancy. Capital One refused to give the second refund back claiming that the money never left my account XXXX. That the refund XXXX XXXX was just a credit received from XXXX XXXX XXXX. I asked why there had been a second transaction for the same canceled transaction of {$1500.00} on XXXX XXXX and why did my account balance not show the credit of {$1500.00} or the withdrawal and showed a balance of XXXX after the withdrawal of {$1500.00} on XXXX XXXX I was again told that it was because the investigation had not been completed. On XXXX XXXX I was told that Capital one banking had only received one credit reversal from XXXX XXXX XXXX and that I would see it cleared by XXXX XXXX.
Product: Debt collection

According to Tennessee state licensure verification, XXXX XXXX is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of improving my credit. Original request for verification was sent certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to the credit bureaus and requested an investigation into some items reporting on my credit. Once the initial letter was sent, I waited XXXX days for the results, but nothing was ever verified. At that time, on XX/XX/2022, I requested a re-investigation into those same items since they were still appearing on my credit report. Waited XXXX days again, and the items still appear on my credit report and they have not been verified as required by the FCRA. The accounts in question are as follows : XXXX XXXX XXXX XXXX This was a pay per delete account. 

XXXX XXXX XXXX XXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXX XXXX XXXXXXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXXXXXX XXXX I have never been late on this account XXXX XXXX This is a pay per delete account XXXX XXXX XXXXXXXX XXXX I have never been late on this account XXXX XXXX  XXXX I have never been late on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment incorrect, Not employed with XXXX XXXX XXXX  Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX never lived here XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Equifax , XXXX I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.