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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 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: Debt collection

ACCOUNT IS INACCURATE Date opened is inaccurate high credit is inaccurate comments/remarks are inaccurate Payment history is inaccurate
Product: Credit card

Capital One locked my account on XX/XX/XXXX due to suspected fraud. This has since been cleared up. However, on the XXXX, Capital One reported my interim balance to the credit bureaus without my knowledge. My statement closes on the XXXX. Capital One should not have been pre-reporting outside of the standard statement closing cycle, as I pay my balance in full each month. As a result of this, they caused my credit score to drop. A case was filed internally that I have not heard back on but, I am filing this case as my dispute with the credit bureaus just came back as " Not Changed '', meaning that Capital One is standing by their decision to report my balance outside of my statement cycle closing date and without my knowledge and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice and several laws have been broken by your company. which has caused defamation of character and has severely impacted my ability to obtain credit.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Discover Financial Services regarding a dispute I raised concerning inaccuracies in reporting associated with my account, specifically with the account number XXXX. 

On XX/XX/2023, I mailed a letter challenging the inaccuracies in reporting associated with the mentioned account. As of today 's date, I have not received any response from Discover within the XXXX timeframe as required by law. 

I am enclosing a copy of the letter that was sent to Discover, which serves as proof of my attempt to rectify these inaccuracies.
Product: Student loan

Higher education XXXX XXXX transferred two different accounts to XXXX. At the time of the accounts closing, they reported these accounts to the credit bureaus as me owing {$2600.00} on both of the accounts. Those accounts from XXXX were closed XX/XX/XXXX. The two accounts were originally opened XX/XX/XXXX & XX/XX/XXXX. I do not remember these accounts. 

The new company XXXX is reporting different numbers to all three credit bureaus and also stating I am missing payments on some. But they are reporting to others I am in good standing paying every month. In addition to that, XXXX, who opened these accounts XX/XX/XXXX, 4 days after the accounts were transferred and reported. XXXX decided to add money to each account at different amounts. 

Here are the starting and current amounts on all three bureaus, the closing number is the same across the board, XXXX said I owe {$2600.00} per account. 

XXXX is reporting : XXXX Account 1 : {$3700.00} Account 2 : {$3000.00} XXXX Account 1 : {$3600.00} Account 2 : {$3000.00XXXX XXXX Account 1 : {$3700.00} Account 2 : {$3000.00} These numbers have been reporting different since this started. I have disputed and nothing happens. On XXXX I have not missed a payment, on XXXX I have missed 100 payments. 

XXXX closed the accounts and now they have been consolidated to one account on XX/XX/XXXX. But the amounts are not even correct. You can not add over {$1000.00} in interest in one month and not explain it. I disputed these and nothing was changed.
Product: Credit reporting or other personal consumer reports

I just checked again my TransUnion and XXXX credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Consumer Loan

I was leasing a vehicle through Ally financial and returned the vehicle to a dealership, as instructed by Ally, to end the lease in early XXXX. I signed an odometer disclosure and was instructed to wait for a final bill, which would include any remaining lease balance plus any excess wear and tear identified during the inspection. I was told not to continue making payments on the account and that I did not need to be concerned with the account becoming past due. I began receiving collection calls from Ally in early XXXX and was informed that my account was past due. I explained the situation multiple times and was informed that somehow between the dealership and Ally, the return was never recorded. I was told not to worry, this would get sorted out with the dealer and that my account would not be reflected as & gt ; 30 DPD and would not be reported to any of the credit bureaus. For an additional 1-2 weeks I continued to receive harassing collections calls, and returned at least XXXX of them to clarify that the account was properly noted as being in a " pending termination '' status. Each time I asked for, and received confirmation that the account would be reflected as such, that I did not need to do anything further, and that the account would not be reported as past due. Towards the end of this month ( XXXX ), the calls finally ceased, however I recently received a credit report that my account with Ally is & gt ; 30 DPD. This has been reflected on XXXX of the XXXX usual credit bureaus as of the day I am writing this complaint. I called Ally on the day I received the first notification and was again assured that the account was in fact now in a terminated status, was not identified as being past due, and my credit would not be affected. Based on their track record thus far, I am less than confident that the error committed by Ally in reporting my account incorrectly as past due will be corrected without any negative impacts. The time spent thus far to get Ally to correct their own mistakes has been unacceptable. This does not include the level of stressed placed on me as a consumer. To make matters worse, I was not afforded the opportunity to be present for the vehicle inspection, and as of today do not know if there will be any excess charges. Based on my own inspection, I do not anticipate there will be any, however because the vehicle sat for over 30 days outside of my possession before the inspection occurred, I have no way of knowing if any damage occurred. Further, I have been given no recourse in the event some damage is identified as I am only able to state, based on my word, that the damage did not exist when the vehicle was returned to the dealership. Their process is clearly flawed because it relies on mutual coordination between XXXX parties, excluding the consumer ( Ally and the dealership ). Last, the consumer is fully at the mercy of these XXXX parties in the event either of them makes any mistakes. I have never once in my life had such a bad experience with any business, big or small.
Product: Credit reporting

I submitted a credit inquiry dispute online for impermissible access to my credit report and asked Equifax to investigate & remove it from my credit file. Their response says the inquiry is a factual record of file access and suggested I write to the company that accessed my credit file at the address provided. I sent the letter via Priority mail, & it was returned to me undeliverable as the forwarding has expired. I contacted Equifax and spoke with 6 representatives who told me that they can not remove the record from my file. I told them that the company that pulled my credit report was closed by government action ( easily found online ). They told me to call their phone number to request that the inquiry be removed, even though the agent said they know the company XXXX XXXX XXXX XXXX was put out of business by government action for improper licensing, etc. The FCRA says that Equifax has the responsibilty to resolve this issue, and they refuse to abide by Federal Law.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX TO Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Current results XXXX Removed XXXX Remain Dispute sent XX/XX/year> In review XX/XX/year> Current results : XXXX remain Updated on : XX/XX/year> Remaining items may be removed on your next credit report. It can take up to 30-90 days to get items removed from your report.

4 items in dispute COLLECTIONS 1 CHARGE-OFFS 3 XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX  XXXX I have enrolled in debt relief program to handle this debt, but I had a medical emergency, lost my job and now have a lot of medical debt. I have a full time job now and will be able to make payments again soon Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX The balance of this charge-off is wrong. 
Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXXXXXX XXXX XXXX  XXXX I have enrolled in debt relief program to handle this debt, but I had a medical emergency, lost my job and now have a lot of medical debt. I have a full time job now and will be able to make payments again soon. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX The balance of this charge-off is wrong. 
Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX | Kikoff My original dispute wasn't correct because I didn't know how to properly dispute the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting in EXPERIAN : XXXX  XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX  Account Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed an item reported to ChexSystems by XXXX XXXX  several times in an attempt to get account validation done correctly. Each time ChexSystems has written back saying the information is correct, validated, and to contact XXXX XXXX. 

Identifying information and status listed in this item is not mine and incorrect and they are refusing to delete this inaccurately reported item. 

The Status date says : Unpaid whereas XXXX XXXX  says : Charged Off The reported driver 's license number ending in : XXXX is not nor has ever been mine They are reporting 'NSF Activity ' and have yet to provide any documentation showing as such. 

Also, XXXX XXXX  is actively using a 3rd party collection agency reporting to XXXX, XXXX, and XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX. How can they both be reporting different information to different bureaus and it still be accurate. Two entities can not actively collect on the same account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting a complaint to the CFPB in relation to Equifax violating my consumer rights in furnishing these unverified inquiries without my written consent, that have resulted from identity theft. I have been trying to get matters fixed by writing and contacting Equifax and also coming to the CFPB for help. I have been unsuccessful i'm getting matters resolved with Equifax XXXX is XX/XX/year> and I still have not received any valid proof that I authorized these inquiries. I have Given Equifax 30 days which is a considerable amount of time to address the fraudulent Inquiries on my consumer report. which id like monetary value for since i never authorized them. This is a result of identity theft and happened without my knowledge. Inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The FCRA states that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely report of a known responsibility and ownership. Which equifax has failed to do. Which is why iam asking for the CFPB To assist me and to make sure my Consumer rights are not being violated any more than they already have. I have also Attached my Identity theft report, that is in relation to these fraudulent inquiries
Product: Student loan

Ive tried calling fed loan servicing 4 times to update my payment and login information because my account is locked out and the company either does not answer or when I get ahold of the company they tell me they can not update my account, Ive also sent them my military identification card and drivers licenses to prove that it is actually me and I have a heard nothing. This is affecting my crediting tremendously and I need to get this problem solved immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.
Product: Debt collection

I have repeatedly been called during work by Capital One Credit, and they also helped cause me to be terminated from my employment at USPS in XXXX Wisconsin, becuase I would get upset and yell at them. They have done this since XXXX of 2021. They also when setting up the account had me photograph and send them my dirver 's license, which is a Real ID license. I feel this is illegal. Real ID should not be copied or Photgraphed ever.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear XXXX I am writing to formally dispute inaccurate and unverifiable information currently listed on my XXXX and XXXX credit report. I am requesting that you conduct a reinvestigation of the disputed item ( s ) in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : - **15 U.S.C. 1681i ( a ) ( 1 ) : ** Which requires XXXX to conduct a reasonable reinvestigation of any disputed item. 
- **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : ** Which requires that you provide me with a description of the procedure used during your investigation, including the name and address of the data furnisher.

- **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : ** Which mandates that unverifiable or inaccurate information must be deleted from my credit file.

Thank you for your attention on this matter.
Product: Credit reporting or other personal consumer reports

I requested for these companies to show proof of the credit accounts reporting to the Credit Bureaus. They responded back with no proof whatsoever. Which is in violation of my rights with the Fair Credit Reporting Act 611 ( a ) ( 7 ). I do not want to request a reinvestigation. I simply want these items removed, IMMEDIATELY! They have been unable to respond in a timely manner and provide the method of verification. Please remove the following items from my credit report to prevent further damage. Thank you! 

XXXX Bank XXXX Account Number XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX
Product: Debt collection

XXXX XXXX of XXXX agreed to let me pay them {$62.00} a month the last XXXX months approximately for a hospital bill regarding a leg XXXX I had XX/XX/XXXX of XXXX. They never called me to notify me they would be sending the debt to collections to medicredit. They did confirm however it was sold XXXX XXXX. 
Medicredit claims I dont owe them but it may take a few months to show up on the report with them and the new information. I dont think they did the right thing to not ask to negotiate with me first. I have paid this bill faithfully too the last XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5.XX/XX/XXXXXXXX. OF XX/XX/XXXXXXXX 6. XXXX BANK, XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of this year 2023, I have been challenging this credit bureau in writing about information I found on my report that is incorrect, and others outdated. 

And every month, they have been mailing me back a letter stating they would not look into the matter because 'they believe someone else is requesting the correction and that they need proof it's me requesting it '. 

So I'll send the requested information, and my identification AGAIN, just to get the same response letter, AGAIN. We've been doing this same song and dance for 4 months now, and they still don't want to do anything that I know I'm protected by law they are obligated to do. 

This leaves me very skeptical as to why they wouldn't want to remove the incorrect information from my record, let alone the outdated one 's. 

I seek assistance from the CFPB to compel this credit bureau to do what they are required by law to do, since they don't want to solve this with me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze with Experian in XXXX of 2020. Since XXXX, I've been attempting to remove the freeze. I was unable to do so, despite providing all necessary personal information online. I mailed paperwork into their offices with no reply. I've made a dozen phone calls to resolve the issue but it's impossible to reach a human being.