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

I sent several letters out to XXXX, Equifax, and XXXX beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful. 

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX XXXX XXXX XXXX and XXXX started a multiple financial transactions on my name without my knowledge, approval and on line transaction using my personal information without my approval. About XXXX companies were processing loans on that day before we coud sign any documentation or approved their ilegal transactions. XXXX of the companies was Mosaic Solar processing a loan for XXXX XXXX and XXXX, my wife and I do not know this company, never entered into a bussiness transaction with them, did not meet any of their representatives or approve any loan agreement. Besides we told XXXX XXXX we did not need solar panels because we had solar panels installed on our property since XXXX, but they proceeded with their own arragement. The permit was processed back in XX/XX/XXXX without our approval. Panels were installed in XX/XX/XXXX, passed inspection from the XXXX XXXX XXXX on XX/XX/XXXX and are not in service jet because they are not in complaince with XXXX XXXX. What makes this solar panels installation problematic is that the company that installed the twenty-five solar panels is not XXXX XXXX and XXXX that has done no work but Green Cube XXXX XXXX We do not know either of them and has not done any transactions with them. Even worst XXXX XXXX XXXX and XXXX  submitted payment claims with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and we another companies claiming the same XXXX solar panels. The fraud organized by XXXX XXXX is out of proportion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute about the XXXXXXXX XXXX account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help
Product: Debt collection

This debt collector has repeatedly sent me emails and updated my credit report to show a balance that I am unaware of! My final rent payment was paid in full via state agency rental assistance. I have proof! Also this debt collector is not authorized to collect debt in the state of Ohio. They are stating I owe {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to let them know they are not reported accurate information on my XXXX  account I advised that the balance owed is not the amount being reported and the High balance is incorrect as well they stated they did an investigation and it was accurate I advised that According to the company and the other two credit bureau the balance is not correct
Product: Credit reporting or other personal consumer reports

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.
Product: Checking or savings account

Account was frozen due to fraud. Unable to unfreeze account after spending more than XXXX hours between phone calls ( transferred circularly between the same departments ) and XXXX physical branches. Unable to withdraw account balance of over $ XXXX to close account due to being frozen. Aside, cash ( $ XXXX ) that was deposited into account at physical branch disappeared and do not show up on account balance when I log in. Eventually, I was also blocked from online and mobile access. Tried to resolve by calling in, they were unable to verify my identity by asking me questions from their public information scrapping, and was unable to let me log in. Currently I have over $ XXXX USD that is frozen and can not be withdrawn, and account can not be closed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX  XXXX XXXX Balance : {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from XXXX XXXX XXXX XXXX XXXX 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here. 

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

Hello, Some one used my Best Buy credit card to buy a laptop worth {$1700.00} at New York Best Buy store on XX/XX/XXXX. I wasnt alerted of the fraud for that purchase. I was at the work so didnt check my personal emails. After some time they tried to do another transaction for {$660.00} which got declined and alerted me of fraud. I responded to the text right away saying it is fraud and called the provided number on the text. Person on the call told me there is another transaction too for {$1700.00}, I confirmed that I never used the card that day and I was at work and request to cancel that card and send me a new card. Person from Citi bank said that she will dispute the charge and get them removed. The charge which were initially removed and then I received a statement on XX/XX/XXXX with {$1700.00} which was added back to the balance saying that is not fraud. I called the security team on Monday XX/XX/XXXX explaining everything, they said they will look into it and if the investigation comes back not fraud then I am supposed to back the amount. Please resolve this issue. On XX/XX/XXXX I was physically at work in New Jersey as I work in a hospital and didnt go to XXXX XXXX that day. Please check the security cameras of the store for the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, Defendant EQUIFAX, XXXX and XXXX XXXX is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.XXXX  and XXXX XXXX failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ). 
My name is " XXXX XXXX ". % % **. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, Equifax, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My address now is XXXX XXXX XXXX XXXX XXXX, the other addresses are either old or incorrect so please delete them. 
**Credit cards** XXXX XXXX Reported :XX/XX/XXXX Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard inquiries** XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Telephone Companies Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Mortgage

Ocwen had sent incorrect information to all the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. Ocwen stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included XXXX. By the time Ocwen got the information corrected, XXXX had deleted the entire account. Per a response from XXXX to complaint # XXXX, Ocwen has not verified the corrected info, therefore they will not show Ocwen as a creditor. The XX/XX/XXXX credit report I received from XXXX does not reflect my mortgage information. 
I have tried to get the corrected information on my mortgage added by XXXX. They stated that this information need verification from creditor. Ocwen states they have sent correct information, I have to contact the credit reporting agency. Nothing is been done by Ocwen XXXX, I, the consumer suffer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX. Date opened : XX/XX/XXXX Closed/charged off. Date reported XX/XX/XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history
Product: Credit reporting or other personal consumer reports

I have a hard inquiry that was fraudulently made by XXXX XXXX that I did authorize. Neither the bank nor equifax are Will to fix this problem. Please help.
Product: Payday loan

loan was pay of but they keep calling me at my job these peoples are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Product: Checking or savings account

CONSUMER FNANCAL PROTECTON BUREAU XX/XX/2022. I have filed a complaint No.ID XXXX and it is not resolved the problems for online banking account with mobil phone and email pass code link to login account on software problems in three months. 
I am frustrate, and I am very concerned seriously about the Cathay Bank management is fully responsible safety my account. 

I can not login my account where my social security funds has been deposited in three months at Cathay bank XXXX XXXX that purchased my bank account from XXXX in California I contacted the manager XXXX, Cathay bank of XXXX many times to care of account problems and I requested to send debit card, credit cards are not delivered. 
XXXX has already referred the problems to the relevant team of customer care supervisor XXXX XXXX who works out the problems with software engineer.I contact him many times and left message on customer services at XXXX. NOBODY FEEL RESPOSiBLE AT CATHAY BANK. 

XXXX XX/XX/2022 XXXX also filed the complaint to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/2022 I have filed the complaint to the police department XXXX XXXX XXXXXXXX where I resides for 40 years. 

Urgently I need help. The CFPB has to act with responsible for law enforcement. I believe, I am the victim of elder Financial abuse an act that violated my consumer rights and I have been suffering unusual hardship in California Law offer financial protection dependent elder adult. 
I have been unfair dealing with XXXX and XXXX with violation US and Californai banking laws. 

Sincerely. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous Inquires that need to be removed hard and soft - and also a Bankruptcy that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is being reported on my credit report is not accurate. 
Company or Organization : DISCOVER BANK Account Number : XXXX Date that I discovered it : XXXX / 2019 Total fraudulent amount : {$15000.00} I have reported this information to FTC and will attach the file. This account, stated above, is fraudulent and needs to be removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card accounts opened with XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections such as XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XX/XX/XXXX appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00}, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$86.00} Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX - XXXX XXXX XXXX Account name : XXXX # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A States I have right to privacy 15 U.S.C. 1681 Section 602 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 my information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Money transfer, virtual currency, or money service

I got two unsolicited XXXX texts this week wanting to upgrade my loan which I didnt request and the other a fraudulent call text again. Both were never opened by me and both were screen shotted to XXXX. Who confirmed they were fraudulent.Please help me. I am a widow, alone and being abused by these idiots. I just want my money nothing more, so I can live.
Product: Credit card or prepaid card

I had a XXXX credit card with Comenity Bank and they ended the XXXX Credit card program, I have since paid the card off and they are charging me a {$2.00} free on a closed, paid off account. The fee has no explanation, it is just itemized on my statement as a fee.
Product: Debt collection

Contacted by a person say they are taking a legal lawsuit against me for Wachovia late fees from XXXX. They have contacted my brother who lives in XXXX and even my EX WIFE! ... with whom I divorced back in XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a late reporting on my account with XXXX XXXX XXXX account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached documents show contradictory explanations for unverifiable/inaccurate information for my XXXX ( XXXX ) student loan accounts with XXXX XXXX XXXX It is clear that XXXX has no intention of correcting the erroneous information and has sought instead to delay and dance around their responsibilities as a data-furnisher under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Under the doctrine of contributory negligence, XXXX is marking these accounts as CO because they failed to provide timely information for the accounts as required under TILARegulation Z and failed to conduct themselves under section E.1 ( b ) of the MPN ( p. 16 ). They do not even deny stopping statement generation ( ie. no paper statements and no electronic statements ). However their justifications vary grealy from changing an alleged status from " deferment '' to " forbearance '' to get around the provisions of E.1 ( b ) of the MPN, claiming XXXX knowledge of my XXXX and my alleged failure to request copies of my statements as a reasonable accommodation under XXXX for documents and access to electronic documents TILA/ XXXX XXXX and 12 U.S.C. 5533 make clear XXXX is required to provide to EVERY consumer. Their latest reasoning ( p. XXXX ) for these violations of law is allegedly due to returned mail from my address the CRAs can verify I continued to reside well after te alleged returned mail. Moreover, their latest reasoning claims they only began generating statements again once I " confirmed my mailing '' address. Not only is this non-sensical, but their own statement from XXXX XX/XX/XXXX ( p. XXXX ) makes clear that they allegedly had XXXX ( XXXX ) contact with me between XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. It is based upon this justification XXXX purports the derogatory information furnished to the CRAs is " valid '' The full scope of the erroneous/contradictory/unverifiable information is attached. If XXXX is supply responses to the CFPB that contradict its prior responses for issues that should have been resolved within the past XXXX ( XXXX ) years, then it is clear they are not verifying the accuracy/integrity of the data they are supply for these accounts in my credit files. At least one ( 1 ) of the CRAs has reached the same conclusion and removed the derogatory information from my credit files. XXXX claims ignorance and has sought to blame the CRAs for the inconsistencies. All of the erroneous information needs to go.