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

I am a natural person. I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax has violated my rights on numerous occasions. I demand the accounts listed below be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial is reporting an acct as delinquent on my credit file, however this acct w/secured by a vehicle which I voluntarily surrendered. 

The acct w/secured by a XXXX XXXX XXXX. I contacted OneMain Financial on XXXX XXXX via email and advised that the vehicle could be retrieved from XXXX XXXX which has a mechanic lien on vehicle. OneMain Financial did not follow procedures in retrieving the vehicle and has also sent account to another outside collector. 

Per SC Lemon Law I am requesting that this debt is cancelled and removed from my credit file.

Please ensure that this amount is updated/removed as it is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have complained and disputed twice now with Trans union about an Error with a lender ( XXXX XXXX ). They have not been in communication me nor has resolved the issue. This issue was resolved almost immediately with XXXX and is currently being disputed with XXXX. They have all relevant documents needed to rectify the matter and not sure what the hold up is.
Product: Credit reporting

On XX/XX/XXXX, I requested a copy of my credit report from Equifax, after being denied credit to purchase a vehicle. Upon receiving the report and information from the dealership, I found status error 's on paid in full accounts. Specifically XXXX XXXX. I disputed the errors online with Equifax. I sent certified letters on XX/XX/XXXX which were recieved on XX/XX/XXXX to Equifax and XXXX XXXX, disputing the status of XXXX accounts. Equifax made an error saying that I was disputing ownership of the accounts. I have attached the XXXX and XXXX letters, which CLEARLY show I was disputing the late payments reported, more importantly the status of XXXX as a " charge off '' and the other as a " redeemed repossesion ''. I also requested the proceudre in which they used to verify the information with XXXX in which no procedure has EVER been completed, much less evidence of the person, process and factual information as required by the FCRA law. I have waited over 90 days, I have sent XXXX letters, each time with copies of the previous letter ( s ). Each time, Equifax LOWERS my credit score and is not responding the my requests. I can not get credit I deserve because of the erroneous and irresponsible behavior of Equifax and XXXX XXXX. I have attached ALL correspondence with copies of return mail receipts to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

Ex wife opened up bank account fraudulently in my name as a means of retaliation for ending our relationship. She knows my social security number as well as all other information, her maiden name is XXXX XXXX. Her last known residence to me is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. I believe this person has stolen my information and used it to open accounts fraudulently because she has made threats to do so in the past. First a key bank account was opened to commit unemployment fraud then an XXXX  checking out.
Product: Mortgage

I was told by the primary party in this matter to submit papers for a Deed in Lieu and obtain a payoff from a XXXX source. Everything was done as asked, all papers submitted along with the payoff information, before the end of XXXX 2014. I initiated contact because I had not heard from the primary company. I have talked to at least XXXX different people each time I 've called who all gave me different information ( additional papers that had not been received and needed to be faxed in ). I was finally told the XXXX week of XXXX, after communicating with the other representatives, that I would need to re-submit all papers again because the ones I submitted had expired. How do they expire when they have them setting who knows because no one seem to know what 's going on. I was even told by XXXX of the representatives that all of the documents had been received, and I asked what I needed to do next or what would happen next. He could only give me the name of the person in charge of the department and told me to call back XXXX to see what might be going on. 
I resubmitted the packet again ( XXXX pages of XXXX ) numbered.After submitting the papers by fax as asked, and calling XXXX days later at their request to confirm that the packet had been received, I was once again told that they did n't receive XXXX of the papers. I numbered each page and the page that they claimed they did not receive was page XXXX of XXXX. I was also told to call the second party again and get a payoff amount and have them fax that to them. After talking to the representative of the XXXX party, she confirmed that she faxed the information to the XXXX party back on XXXX XXXX, 2014 as I had asked her to do via the XXXX party 's request. I seem to keep getting the run around and can never talked to XXXX person who maybe able to keep up with what 's really happening with my account. The representatives of the XXXX party are rude and it seems impossible for me to get this matter taken care of and closed. XXXX. I 'm to my wits end and need some intervention, please.
Product: Credit card or prepaid card

On XX/XX/2021, I, XXXX XXXX completed an online application with Capital One for a credit card. Capital One never specified the reason they denied me of credit. Capital One base their decision off a credit score with companys XXXX, XXXX, and XXXX. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to the Fair Credit Reporting Act Capital One included Congress law base on a decision expected to be used or collected in whole or in part which in law never disclosed being denied of credit. Capital One is using false and deceptive practices against I, XXXX XXXX the consumer! According to adverse XXXX XXXX XXXX XXXX XXXX XXXX  can only be denied for insurance and employment purposes only not credit. I, XXXX XXXX is the original creditor. Capital One also violated 15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. 
EQUIFAX MORTGAGE SERXXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed debts on my experian and XXXX  report. I have Items on there that is fraud. I submitted a dispute through the credit reporting company as fraud. They said company came back said it was me, with no proof. So I write each company beyond 30days ago. I got no response. Nothing showing I owed the money that the account belongs to me no documents with my ID or anything. I send this to experian and they start a new investigation. Per the law creditors have 30 days to respond otherwise delete. I sent tracking numbers and everything to them. They are not following the process. They said they do not have to re.ove it. That it's not fraud cause they have my DOB, SSN, YEA CAUSE ITS FRUAD. I would like these accounts removed these companies held responsible and ASAP
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number ( last four digits ) : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/24 Company That Performed Inquiry : SCREENING REPORTS XXXX Date of Inquiry : XXXX/XXXX/24 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Student loan

Today XX/XX/XXXX I called a company back, and wanted my cc and such a month or more. Said they would refinance my loan, only to talk to one person, that they had control over my loan I signed an agreement, then called the lender ; no such deal. My lender has my loan. The company named USA Debt relief in XXXX Florida wants to lie and say my loan of XXXX will be paid off for XXXX and 240 months at XXXX asking if XXXX XXXX ; lying about deals I gave them my cc and set up payments, they reeled me in. I called back and XXXX XXXX said hed cancel the whole thing. Then, I have not heard back from him. Im going to change my account so they cant steal my money for doing nothing. Its a scam,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Section XXXX A, States I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : 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

in 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX  the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.
Product: Bank account or service

I am being charged overdrafts fees for transactions that I should n't be. I should only be charged for XXXX overdraft fee and that is when I withdrew {$80.00} from the atm because I have also been having issues trying to get a debit card sent to me. When I withdrew {$80.00} I had money in my account but it was n't enough so that is the only time I should get the fee. Well BB & T decides to process my transactions in the order they want so I occur more fees instead of the order I used my card. So as of XXXX overdraft fees were {$100.00} when I called the customer service line she was supposed to credit XXXX and have a supervisor call. Well today XXXX XXXX 2015 I see I have another overdraft fee for {$72.00} because they charged me {$2.00} for calling them. I called back and was told XXXX thing from customer service and when I called the Branch in XXXX VA off of XXXX XXXX, XXXX told me something different. She also told me a Manager could not help me. I want this taken care of before I get my job to direct deposit my check. I should n't be charged almost {$200.00} for nothing. The only time I used my debit card to overdraft was XXXX time only and that was the last time I used it. If I did n't do that last withdrawal none of this would be happening. Its sad banks manipulate the way they post transactions to occur more fees for their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my  XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and Equifax, but that they also furnish said reporting agencies with the correct address information to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX XXXX ( TU ) Names : XXXX XXXX ( XXXX  ) Names : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( TU, XXXX, XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU, XXXX  & XXXX  ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( XXXX  ) XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( XXXX  )
Product: Credit card

I applied for the BBVA XXXX XXXX XXXX card on XXXX/XXXX/XXXX and received my denial letter on XXXX/XXXX/XXXX. The stated reason was " unable to verify identifying information ''. This reason is complete bogus and I have several friends who have received this same denial reason. I have not changed my address in 13 years and have no fraud alerts on my credit report. I take safe guards to manage and protect my credit and this denial reason is completely bogus.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on fie for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX