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

I tried to access my Equifax credit report. It showed an XXXX date for the last update. it did not show any current information. i called to complain but that didnt help. the representative asked me to send in my license front and back of the card. my Social with an utilitiy bill. Equifax still didnt unlock my credit bureaus Report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by Equifax, XXXX, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of Equifax Data Breach : My information was impacted by the Equifax data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Debt collection

I have submitted a debt validation letter from the company and I was not given the information I needed. 

1. I want a copy of the original contract bearing my signature that I actually signed on for the debt.

2. I want the payment history from the original creditor showing payments made, not the bills that where attached to the last complaint.

3. I want actual proof that this collection agency owns this debt.
Product: Debt collection

I have no idea who Credit Bureau Associates is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Credit Bureau Associates is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

Credit Bureau Associates DID NOT PROVIDE ANY OF THE INFORMATION REQUESTED. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Credit Bureau Associates as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Credit Bureau Associates } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Credit Bureau Associates, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has several erroneous items listed on my credit report and I'm convinced it's because they have me mixed up with someone named " XXXX XXXX. '' My name is XXXX XXXX - always has been. I've never had any other name. 

When I try to login to their online disputes process, most of the security questions do not apply to me. I'm asked about accounts / monthly payments that I do not have, which again, further indicates that Equifax has me mixed up with someone with a similar name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Tell them I have a fraud account but I cant understand them and they help me
Product: Debt collection

I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. 

{$960.00} XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America repeatedly refused to take my payment for my credit card. They said they were entirely unable to resolve the problem ; I spent many hours trying to solve it with them over more than a month, speaking to countless representatives and managers. 
The only resolution was closing my card, which had a strongly negative impact on my credit, as my oldest line of credit. This was very unfair.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact XXXX  parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 
By obtaining my consumer report without my written permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ). I did initiate business with your company for an extension of credit. Whilst I am thankful for our business relationship, I did not give XXXX XXXX XXXX XXXX  written authorization to list the inquiry on my credit report. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX for collection as the account current and the credit is being used responsibly. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. 
AND To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the inaccurate and inconsistent reporting of my Self Lender account ( XXXX ) across all three credit bureaus ( XXXX, XXXX, and XXXX ). I paid this account in full on XX/XX/year>, as verified by my payment records and the creditor 's confirmation. Despite this, my credit reports continue to show : Inconsistent Account Status : The account is not uniformly reported as " Paid in Full '' or " Closed '' across all credit bureaus. 
False Late Payments : Late payment entries are inaccurately listed for this account. These entries are demonstrably false, as I have maintained consistent payments in accordance with the account terms. 
Multiple Discrepancies : Inaccuracies in reporting violate the Fair Credit Reporting Act ( FCRA ), which mandates that information furnished to credit reporting agencies must be accurate, complete, and up-to-date.
Product: Debt collection

I was XXXX by a XXXX stranger in a hotel near XXXX, Utah. I suffered a XXXX. I was forced to go to the hospital  by police. I did not want to go. When at the hospital, I told them I want to be released. After the hospital personnel resisted my request and my repeated request to be released, they would only do so if I signed a release. O signed a release document to be released at my own risk. I then walked home at about XXXX XXXX. in the morning. 

XXXX owned by XXXX attempted to collect a medical bill when I had told them all along it was a XXXX and I wanted to be released. I did not authorize the treatment and I did not commit the assault crime against me. 

Eventually XXXX gave the account to CBE, a debt collection company and I was sent a collection notice. I responded on writing with a letter containing my explaination for disputing the debt, informed them of my rights according to FCRA laws and stated for them to cease and desist. I also gave them documentation regarding the offender 's court case with DA and Judge for the case of assault. CBE Group then told me they are closing my file and sending it back to XXXX. That was approximately XX/XX/XXXX, because my letter was sent XX/XX/XXXX. 

Months and months later I received another letter attempting to collect the debt. I informed CBE with a letter that I had already disputed it and they had my letter with documentation about the court case for an assault by a stranger on me. I also informed them that they are violating FCRA laws by attempting to collect it again and contacting me to do so after I have told them in writing to cease and desist as per FCRA regulations. I then called CBE and explained again. I was promised by the CBE representative that they would remove the collection and close my file. They said they would take care of it. 

On XX/XX/XXXX, I received a credit alert email and when I looked at my XXXX credit report, CBE had made an entry that my account was in collections and my score dropped significantly. I have filed a dispute with the credit agency and reporting the error. 

Again, it is not my debt for reasons already explained. I can send copies of the letter I sent to CBE Group along with documentation showing the perpetrator 's court case, sentencing, DA information, Judge, etc. 

I am reporting this collection matter now as an FCRA violation and as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Trying Fixing this problem with XXXX  XXXX XXXX numerous times.The problem is still there showing late payment XX/XX/2019 which was error from XXXX they even waived the late fee because auto payment system error. I have Secure card with XXXX  suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my XXXX  / XXXX  and Experian, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though XXXX  / XXXX  / EXPERIAN agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.
Product: Vehicle loan or lease

I purchased a XXXX XXXX  XXXX XXXX from XXXX XXXX, XXXX XXXX, KS on XX/XX/2020. On XX/XX/2020 I refinanced the loan with my credit union XXXX XXXX and was sent a check for {$37000.00} to pay off the Hyundai Motor Finance loan, which was mailed on XX/XX/2020. As of today, XXXX is advising me they have never received the check, although I've faxed and emailed them a copy of the check they endorsed and cashed. My credit report has now been affected and I've disputed the claim with XXXX and XXXX to no avail. I have reached out to Hyundai Motor Finance several times and keep getting the run around. I need to have the lien released so I can add my credit union to the title and this matter resolved ASAP.
Product: Vehicle loan or lease

- **Business Name : ** XXXX Mitsubishi - **Business Address : ** XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Involved : ** Auto Financing/Additional Add-ons **Issue : ** Unfair Practices/ Misrepresentation **Complaint Details : ** On XX/XX/2024, I entered into an auto financing agreement with XXXX Mitsubishi for the purchase of a vehicle. As part of this agreement, I was explicitly charged an additional {$790.00} for a XXXX XXXX tint, which was represented as a pre-installed product on the vehicle I purchased. This was not presented as an optional service but as a pre-existing enhancement to the vehicle, thereby influencing the total financing amount and the terms of my agreement. 

Suspecting the tint had not been installed, I sought independent verification from XXXX 's XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. Their professional assessment confirmed that no aftermarket tint had been applied to the vehicle, directly contradicting the terms of the financial agreement based on XXXX Mitsubishis representations. 

Upon confronting XXXX Mitsubishi with this discrepancy and seeking a refund for the misrepresented product, I was met with refusal. The dealership inaccurately claimed the charge was for a service a claim contradicted by the sale 's context and cited my reluctance to return the vehicle for inspection to a dealership located XXXX hours away as a basis for denying the refund. This stance disregards the financial impact of their misrepresentation on the terms of my auto financing. I did not pay for an aftersale service. I paid for a product that was supposed to have already been installed. 

**Desired Resolution : ** I seek a full refund of the {$790.00} falsely charged for the non-existent XXXX Ceramic tint, a correction to my financing agreement to reflect this refund, and any adjustments to the interest or terms that may result from this correction. This resolution is essential to rectify the financial and contractual inaccuracies resulting from XXXX Mitsubishi 's unfair and deceptive practices. 

I request the CFPB 's assistance in addressing this matter, ensuring the enforcement of fair financial practices and the integrity of consumer financial agreements. 

Thank you for your attention to this matter and for your work in protecting consumers from unfair financial practices. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX. I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( XXXX, TSU, XXXX ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a number of inaccuracies on my credit report. 1. The High Balance differs between all three Major Credit Bureaus. 2. The Date of Last Activity differs between all three Major Credit Bureaus. 3. Date opened differs between all three Major Credit Bureaus. 4. Account Rating differs between all three Major Credit Bureaus. 5. Account Status differs between all three Major Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I'm a female small business owner and Chase Bank is charging additional fees for any check that I write above their new minimum of 20 checks only. Chase Bank is trying to hurt small businesses by charging us extra fees for what should be part of a simple banking product. We are trying to get back on our feet through Harvey Floods and Covid. Who decides to change these policies and charge us extra fees when its a daily business necessity? I have contacted Chase twice and had these fees removed, but I was told that eventually I'll have to pay them. 

I appreciate any help you can give small business owners regarding big banking fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam, XXXX DC has sold off this account to XXXX XXXX. I had already paid XXXX XXXX  and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. XXXX  need to deleted XXXX XXXX off my account too.

Thank you!