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

unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dates are attached with documents uploaded. According to 15 u.s Code 1692c- c, I have the right to dispute any and all debt you claim I owe. Please provide verification of debt with a copy of application, contract agreement, and proof that you owe this debt.

15 u.s Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately.15 U.S CODE 1681n-they are accessing my report without your permission and that is a violation. Pursuant to 15 USC 1681n, I am entitled {$1000.00} per violation.

These accounts should not be furnished on my consumer report as they are in violation! under 15 u.s code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer. No consent is identity theft. As a consumer I am demanding the deletion of all accounts listed immediately. 15U.S code 1681 all non compliant, incomplete, untimely, untrue, inaccurate or alleged accounts be completely deleted immediately.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account namXXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : 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.
Product: Credit card or prepaid card

Someone stole my purse which had my social security card in it last month, And I received a mail yesterday from XXXX bank saying that they can't issue a credit card for me, and I never applied for a credit card
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold my account to XXXX XXXX!!! 
Therefore XXXX XXXX  also charged off the account XXXX Which means they owe me an XXXX!!! 
XXXX, rep XXXX stated, they decided not to deal with the collection and closed the account!! ( XX/XX/year> ) Therefore 2 situations that verify the Removal of XXXX XXXX!!!
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to express my concerns regarding the current lawsuit involving Experian, one of the three major credit reporting agencies. As a consumer who relies on credit reporting agencies for accurate and fair reporting of financial data, I am deeply troubled by the allegations against Experian and how its practices may have impacted me and countless other consumers. 

I would like to bring the following points to your attention : Potential Impact on My Credit Report : As a consumer, I have observed " inaccuracies in my credit report, challenges in disputing incorrect information, or " delayed responses to disputes '' These issues have caused [ explain consequences, a drop in my credit score, denial of credit, or higher interest rates on loans. 

Transparency and Accountability : It is imperative that Experian provides clear, transparent processes for consumers to dispute errors and ensures accountability in addressing such disputes. 

Broader Consumer Harm : Beyond my individual concerns, the allegations against Experian suggest systemic issues that may have widespread effects on consumers nationwide. These concerns warrant immediate attention and action to protect consumers and ensure compliance with the Fair Credit Reporting Act ( FCRA ).

Given the gravity of these allegations and their potential impact on millions of consumers, I urge the CFPB to : Conduct a thorough investigation into the claims made in the lawsuit. 

Implement stronger oversight and enforcement measures to ensure compliance with FCRA regulations. 

Advocate for meaningful remedies and compensation for affected consumers. 

Ensure that Experian adopts and maintains transparent and consumer-friendly practices going forward. 



Thank you for your attention to this matter. I appreciate the CFPBs commitment to protecting consumers and ensuring a fair financial marketplace. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if you require additional information or documentation. 

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

TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB Director Rohit Chopra. 

Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in deceptive acts or practices or violating the Electronic Fund Transfer Act, which establishes a basic framework of the rights, liabilities, and responsibilities as to electronic fund transfers. 


Todays lawsuit alleges that TransUnion violated the Consumer Financial Protection Act of XXXX by failing to implement requirements of the Bureaus XXXX order and by engaging in deceptive acts and practices. The CFPB also alleges that TransUnion violated Regulation V, which implements the Fair Credit Reporting Act, and the Electronic Fund Transfer Act. 


The CFPB is seeking monetary relief for consumers, such as restitution or return of funds, disgorgement or compensation for unjust gains, injunctive relief, and civil money penalties.
Product: Debt collection

Under FCRA put guidelines ICSystem has violated my rights according to : 15 USC section 602 : right to privacy 15 USC1681 section 604A section 2 : consumer reporting agencies can not ferish account info without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a demand for reinvestigation. 
Pursuant to 15 USC 1681i send me the detailed description of the procedures of the reinvestigation!

I demand a full layout of every detail and full time line of specific names dates and days Within the description of the procedures to cross-reference the validity of the bankruptcy claim.

Your company has failed to execute before the account was posted to my consumer report an initial investigation to determine the accuracy and completeness of this account.

Your company now has 15 days according to Congress and the law set forth to provide me the full details of the description of the procedure.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the XXXX  they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the XXXX, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the XXXX to the address above or via email. 

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX as you are clearly reporting information that is NOT XXXX  % accurate. Should you continue to report this information, this leads to you violating XXXX XXXX XXXX, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.
Product: Debt collection

This account was sold to a third party outside of the consumer transaction and has no lawfully contract. Validation has been requested more than 3 time along with a cease and desist. This collection agencies is now reporting fraudulent credit reporting with which is in violation with several US codes and now a formal complaint will be filed with the Attorney General for non economic damages based on the fact that several complaints has been formally made and the account is still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 35 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. This information violates the FDCPA section 807 and also FRCA 15 USC 1681 A, USC 1681 # 2. They are infringing on my right to privacy and I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me.
Product: Debt collection

XXXX XXXX ( XXXX ) XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Date open XX/XX/year> {$13000.00} Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

A couple different problems. The first of which is that I made a ACH transfer from an external bank account to my Current Bank bank account and it is nowhere to be found. Every other bank that Ive ever had the deposit shows up the same day. Its now been several days and I have yet to see it. 

The second problem is I used my card for an authorization for a hotel, and I used a different card to pay the hotel, and even though the authorization hold was canceled, it is yet to fall off and the bank is telling me that theres nothing they can do. I know thats not true because again other banks that Ive had are able to see that the transaction is canceled and make the funds available. This bank did not care that I needed that money for another couple nights hotel stay and was sleeping in my car because I had no money. Their customer service is robotic and not personalized at all and they do not care about human beings. 

Ive also asked to speak to a supervisor several times, and Ive been denied that right.
Product: Debt collection

I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with 2 proof of ID.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report with XXXX and there's some inquiries listed that were unauthorized and unverified. 

They are as followed : 2 inquires with XXXX on XX/XX/2021 XXXX inquires with Capital One Auto Financing on XX/XX/2021 & XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX on XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX XX/XX/2021 I never gave permission for these companies to run my credit. I also do not have any open or verified accounts with these companies.
Product: Checking or savings account

XX/XX/XXXX - {$12.00} maintenance fee XX/XX/XXXX - {$12.00} maintenance fee I have made deposits into these accounts, though not ACH deposits, so Bank of America has still deducted these maintenance fees. I tried to explain to them that I have not had a job since XX/XX/XXXX and they are taking money from me when I need it the most. I was told there is nothing they can do. This was contacting the customer service line.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/18 Balance : {$17000.00}
Product: Debt collection

After contacting my health provider it has been indicated that the amount paid is incorrect by the collection agency. 

Therefore I am asking this collection agency to provided the original bill for the services recieved by the original creditor XXXX XXXX XXXX Hospital.
Product: Debt collection

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you.ACCT CORP XXXX Date Opened : XX/XX/2018 Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$2300.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$4100.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$1900.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

There was XXXX XXXX transactions made on my account on XX/XX/2023 for XXXX and XXXX that I did not make or authorize. I contacted them to dispute the charges and they denied my dispute. I feel this company did not properly handle or investigate the dispute throughly and they have a history of just denying charges you did not make on your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX TransUnion and XXXX  Show different Date and year of Last Active. TransUnion Shows XX/XX/XXXX. and XXXX  Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.
Product: Debt collection

Just now, on XX/XX/2023, at XXXX, I am in receipt of harassing email from EdFinancial which accuses me of giving instructions to them which I never did, and in effect, EdFinancial is attempting to and/or conspiring to collect from me a balance of {$70.00} and subsequent interest which I have already paid. 

EdFinancial 's harassing email states they " apologize for any inconvenience '', but such apology is fake as they make a dishonest statement in " The payment in the amount of {$70.00} was applied to your account per your instructions. '' I specified, online that such loan be applied to my loan group with the greatest interest rate. EdFinancial is engaging in fraudulent behavior by receiving funds under the pretext of servicing my loan with honesty and the ability for me to be charged/pay less interest by preferentially paying higher interest loans more so than other loans. However, EdFinancial has not decreased my loan with the highest interest rate by {$70.00} -- and if they allege it is to my advantage in some way in reference to my hypothetical account balanced over the next 15 months, due to their policies on capitalized interest, then, they haven't explained that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on all three credit reports should be off my account as of XX/XX/2022, and it's still on all three credit reports. Agencies trying to collect debts that I know nothing about and I've received nothing from them and then it just keeps getting sold and it starts all over again on my account and its been on all 3 for years and years and years and the credit agencies keep allowing this. No matter who the debt collector is, I have never received documentation therefore by law they can not be putting it on the credit report, they're not communicating and then they're selling it and it's starting over and over and over on my credit report for the rest of my life, this is not legal. Credit reporting agencies are allowing anyone to run backgrounds on me without my knowledge or approval. I have a legal documents from the courts that have dismissed my student loans and they need to be closed out on all three reports and they are not and I have given that legal document over and over and over to all three reports to no avail, this document is signed by a judge. My name is spelled many different ways on my credit report and I have provided them the legal documentation that shows the proper spelling and I've asked them several times to correct this issue and they have failed to comply along with not deleting after two years the incorrect addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I wanted to unfreeze my credit to apply for a loan. However, my Equifax online account was not accepting my password, so I was locked out after 3 attempts. I phoned the Equifax customer service who sent me a reset password link. After successfully resetting my password, I attempted to login again ( one time ), and it said I was locked out. I called Equifax 's customer service again, who immediately placed me on hold to " access my details ''. After a few minutes, the represented returned just to ask if he could place me on hold again. Eventually he returned and offered to send me another password reset email. I explained I had already done that and was still locked out. He placed me on hold for a 3rd time to " access my details ''. Multiple times throughout the call he had long periods of silence. I then explained I wanted to unfreeze my credit ( forget about resetting my password completely since that was entirely unsuccessful ). He proceeded to follow the process to unfreeze my credit and started asking me verification questions. There were literally *minutes* that went by that he would not say anything in between. And, he'd repeat the same questions again. One question which I felt uncomfortable with was " Do you have any credit cards? '' To which I answered yes. But there was no follow up question. Finally, I asked to be sent to the phone survey, and he would not hang up. He finally just concluded by saying he has a process to follow and he was unable to verify my identity. I clearly asked to go to the survey and to be disconnected. I stayed on the line, but was never sent to the survey. He never unfroze my credit, and never helped me reset my password.
Product: Credit reporting or other personal consumer reports

BRIGIT/XXXX is reporting false information my credit report. It was supposed to be XXXX XXXX  to help build my credit. I didn't know that the balance would show up as XXXX dollars. this is misleading
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2019, my XXXX XXXX credit card was offering an interest free balance transfer for 18 or 24 months. I took advantage of this offer and requested a balance transfer from my XXXX Credit Card balance of {$4200.00} to my XXXX XXXX Credit Card. XXXX forwarded to XXXX a check thru a third party in the amount of {$4200.00}. I have a copy of the cancelled check, email verification from XXXX to XXXX they received this check. XXXX indicated when they scanned the check to get the funds transfer from XXXX their scanner only picked up the XXXX not the total amount of {$4200.00}. So how do you deposit a check and only get partial deposit? XXXX has yet to answer this question. 
XXXX charged me the full amount of {$4200.00} which I paid off. 
XXXX still charged me {$4000.00} and expected me to pay this amount to them. 

I can not find the {$4000.00}, XXXX said it was sent to XXXX and XXXX said they didnt get it and I need to pay it. I hired an attorney who was only able to go as far as I did. 

These are huge financial institutions and I can not go there and go thru their records. Someone at XXXX has the money and they expect me to pay {$8000.00} for a {$4000.00} balance. I have filed complaints with XXXX and Equifax and the XXXX 

My credit report is showing a charge off like I didnt pay this bill which I did!!! Please help. I have been fighting with these banks for 3 years! I need help! I have copies of all these documents.
Product: Vehicle loan or lease

I made a request to the Michigan Department of Attorney General to have my car given to me for free ( breach of contract from the dealer and Finance company. ) Be sure that this loan is removed from XXXX XXXX XXXX  credit immediately.