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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Experian still using stall tactics to remove unauthorized inquires from that Experian to be verified. Experian has been requested to remove 12 unauthorized inquires from my consumer report but instead removed 4 leaving 8. I received an email asking for my ID and Proof and having issues with the company website uploading doc. Obviously Experian received my complaint and my proof of ID and Utility bill with my name and address. This is XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I will not keep sending information in which has already been provided to Experian. I will insert my consumer rights under the CONSUMER LAW and proceed to legal council. If Experian still continues to violate my rights and refuse to remove the remaining 8 inquires that are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have 4 CERTIFIED POST OFFICE DOCUMENTS that Experian has been asked on more then 4 occasions to verify their findings which they fail to do. NO MORE ASKING AGAIN TO REMOVE INACCURATE AND UNAUTHORZIED INQUIRES INTO MY CREDIT FILE! IF YOU THINK I '' M PLAYING TRY ME! I '' M NOT FOR PLAY PLAY
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my Trans Union credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX 's illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on Transunion. 
" Based on Transunion data Credit changes Current score XXXX XX/XX/XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXXXXXX XXXX  Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXXXXXX XXXX XXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.
Product: Credit card or prepaid card

{$760.00} was transferred to another Netspend user I don't know named XXXX XXXX XXXX XXXX.i admittedly notified NetSpend and they denied my claim because they say the IP that was used has been logging in to my account since XXXX. I searched and the IP is based in XXXX Washington. Im in XXXX pa XXXX miles away so it was not my IP. The only transaction the IP made was to steal {$760.00}. I did XXXX  transaction my own ip.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. I was going through my records & noticed many files 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 & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is 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: Debt collection

I am filing a complaint against Absolute Resolutions Investments LLC for their failure to provide proper validation of an alleged debt and for attempting to collect a debt beyond the statute of limitations. Despite my repeated requests, Absolute Resolutions Investments LLC has not provided adequate documentation to substantiate the debt, including the original contract and proof of ownership. They also incorrectly claim that I made a payment on XX/XX/XXXX, which I categorically deny. 

Additionally, the debt in question originated on XX/XX/XXXX, and under Texas law, the statute of limitations for debt collection is four years. As of XX/XX/XXXX, more than four years have passed, making this debt time-barred. 

I request that Absolute Resolutions Investments LLC cease all collection activities and correct any misinformation on my credit report. I also request that regulatory authorities investigate this matter and take appropriate action against Absolute Resolutions Investments LLC for their unfair and deceptive practices.
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX. {$390.00}, XXXX Accept bal. {$4100.00}, XXXX XXXX bal. {$60.00}, XXXX XXXX. {$390.00}, XXXX XXXX. {$62.00}
Product: Credit card or prepaid card

On XX/XX/2022, I received an alert about a new inquiry on my credit report from Bank of America. I do not have a Bank of America account, nor did I apply for any new account with them. On my credit report, I can see that the name provided to XXXX was my first and last name, but the middle name was not mine, nor was the address provided one that I use. I first contacted XXXX to have them remove the account, who told me that I would need to contact Bank of America. Upon calling Bank of America, I am unable to speak to a representative unless I have an account number ( the robo prompt will not let me progress without an account number ). I then contacted XXXX again, and was told that I needed to file a police report and mail it to them for them to remove the inquiry.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX / XXXX XXXX. XX/XX/year>, I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of previous investigation. I am asking you send your method of investigation along with all the records You spoke with, their Business address, name and phone number as well as document that proves this account ( XXXX ) was late. If you can not provide this information within 15 days, please update the account to pay never late and send me a copy of my updated report.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from EQUIFAX associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, EQUIFAX has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Debt collection

Receive a call everyday from this # XXXX..have called me every day as early as XXXX XXXXand as late as XXXX XXXX..they never leave a message and when I 've called back all I get is a recording that states please hold for the next available operator..no XXXX ever comes on..upon googling the # it comes up as Senex a medical bill debt collector..I 'm still not certain as to why they call because no message has ever been left ... but they call everyday..even on the weekend ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with Equifax on XX/XX/2020 about errors on an auto loan account through bridgecrest. It is now XXXX XXXX, 2020 and the dispute is still open and active with no response from Equifax. I had ask for this account to be removed before because it has constantly been reported with errors that Equifax have failed to fix. Now equifax have gone well beyond the 30 day mark that the Fair Credit Act requires them to abide by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of  XXXX  inquiries on all three credit bureaus from various banks on.    XXXX / XXXX / 2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have provide proof Over and over and they have refused to delete Fraud account.

They haven dont ever a resible investigacin.

No proof of contract signed or nothing.

Violation under the fcra section 1681i And section 609 They have received ftc reports and affidavits to.

Please me advise CFPB all 3 credit bureau they will responde they working on it bout is not true they. Will just live document there and they wont delete fraud account. And they refused to delete fraud account.

All I ask to resolve this matter to get this account deleted from my report nothing more nothing less.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims i am thier consumer, how did that happen, XXXX claims I am thier client/customer too. well to ; ; XXXX XXXX ( Treasurer ) XXXX XXXX XXXX ( Director, President ) XXXX XXXX ( President ) XXXX XXXX ( Secretary ) XXXX XXXX XXXX ( Director )  im tired of the games and i did send you your present in the mail with the seal of destruction, im going to fix you XXXX XXXX using XXXX magic, you and your family will experience the same termoils plus more of what you are causing me, its an energy reversal, within 30-45 days you will experience this power and see hardships and bad experiences, the spell will not be lifted, XXXX you now, I know now how to deal with XXXX
Product: Debt collection

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc.
Product: Credit reporting or other personal consumer reports

I was doing An investigation of my credit a short while ago and was riddled with panic upon seeing a number of blunders. It is clear to me the information being reported was not wholly accurate. I need this corrected as I am needing a new card and these errors are making it nearly impossible at a fair rate
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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other.

In accordance with the written instruction of the consumer.

That's aggravated Identity Theft 18 USC 1028A, You have possession, and are using my information without my consent.

15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT. 
Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 

XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} XXXX XXXX Reported XXXX Amount {$2000.00} XXXX  XXXX Reported XX/XX/XXXX Amount {$590.00} XXXX XXXX XXXX Reported XX/XX/XXXX Amount {$15000.00} XXXX XXXX XXXX  Reported XX/XX/XXXX Amount {$14000.00} XXXX XXXX XXXX  Reported XX/XX/XXXX Amount {$10000.00}
Product: Credit card or prepaid card

On XX/XX/21, I was invited to apply for a Paypal XXXX XXXX Mastercard without impact to my credit score. I decided to see if I was approved, and what my terms would be. Again, I wanted to do this without impacting my credit and was informed that it would be so.

As part of the application, I was shown Terms and Conditions of the offer ( s ), which included multiple interest rates. There was three different tiers of interest rates, some of which I would accept, others I would not. I understood that I would be shown my exact interest rate before accepting the credit account to be opened.

However, after submitting a preliminary application, I was not shown my interest rate, but was approved for a credit line of {$750.00}. I have also received new hard inquiries from PayPal on my credit reports. 

In order to try and make the best of the situation, I called PayPal Credit Card Customer Service at ( XXXX ) XXXX to try and understand what these mysterious terms might be that were applied to my new credit line. I thought if the terms were good enough, I might accept the card. Again, I wasn't given any understanding of exact terms before the account was opened. 

I spoke with a person named XXXX at the number listed above and inquired of her what my interest rate might be. She said that the information wasn't available yet. So, even Paypal 's own Customer Service team didn't know what my interest rate was! Yet they opened an account for me? Without knowing terms? Seems odd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by the data breach at Equifax. My personal information, including my full name, social security number, and my date of birth, has been compromised. This could result in identity theft and impersonation attempts. 

https : //www.consumer.ftc.govXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.