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

Equifax refuses to correct their own error ( one which they confirmed corrected, via their own letter sent to me in XXXX ). Earlier this year, I sent them a letter and filed a complaint with CFPB and in both instances they required me to provide them with my social security number, address documents and a host of stuff that I do not trust them to hold in confidence. It is worth noting this company has a track record of security breaches. Why should I give them my personal information just so they can correct their own error ( I never gave them the erroneous information with the incorrect address -- -they willingly accepted that information without confirming same with me ). Adding insult to injury, when I reported their error to them in XXXX they sent me a letter noting they removed the incorrect address. I pointed all this out to them in correspondence dated XX/XX/XXXX and XX/XX/XXXX, yet they refuse to confirm they corrected their error. More infuriating is that I called Equifax on XX/XX/XXXX ( in response to the CFPB response, wherein Equifax claimed they needed a wealth of documentation from me to correct their error ) and was told by a phone rep ( by the way their phone system is a nightmare to navigate -- it took me 20 minutes or longer just to get to a live person ) that he changed the incorrect address and that a letter would be sent to me confirming the correction. It has been almost a month and Equifax has failed to respond to me. I have the confirmation number the Equifax rep gave me -- -- -but like almost everything else with this company it is likely an empty response. I'm at a loss as to how to deal with these credit bureaus.They are allowed to collect incorrect information, are not required to verify with the innocent consumer, they make money off their errors and hold innocent consumers hostage to  their witless whims.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony has gone ahead and monopolized all credit cards, and is now charging XXXX for late fees because their cut off time is un-apologetically not on pacific standard time, have attempted to get fee reversed and they have profusely declined along with giving bad customer service dependent on which store the call is made for.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX CRED XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have been in the process of disputing an account on my credit report that was sent to XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have Re-Aged this account from the Date of First Delinquency ( DOFD ) which was XXXX. My attempts to settle this matter with TransUnion have been unsuccessful. My attorney at XXXX XXXX ( XXXX ) XXXX sent a letter to TransUnion with no success. All the CRA did was send me a copy of the account that remains on my credit report stating it was placed for collection on XXXX/XXXX/2014. After I received this I contacted TransUnion to inform I would like a copy of my Consumer Disclosure File, which I am entitled under Section 609 ( a ) ( 1 ). This is a more comprehensive report which will show the complete history of my accounts. I spoke to the supervisor, by the name of XXXX, who stated that there is no such report and I am not entitled to it. I understand that is illegal for them not to provide this to me. I have also filed a complaint with the State Attorney General 's office in California. I would like resolution concerning this matter. TransUnion needs to immediately remove this from my credit report. I also feel they should be fined for this illegal activity.
Product: Credit card or prepaid card

My personal information was exposed in 2017 XXXX data breach, which resulted in severe consequences due to identity theft and fraudulent activity on my credit report. 
In XX/XX/2017, the XXXX data breach exposed my personal information, including but not limited to my name, Social Security number, address, and other sensitive details. Since then, I have been grappling with the distressing consequences of identity theft. Unidentified individuals maliciously misused my stolen information to open an APPLE CARD/GS BANK account without my consent or knowledge.Upon discovering this unauthorized APPLE CARD/GS BANK account on my credit report, resolving the issue proved to be an arduous and time-consuming process. I had to spend a considerable amount of time navigating the complexities of reporting the identity theft financial institutions, and credit bureaus, furthermore in my pursuit to remove the fraudulent account from my credit report, I incurred substantial financial expenses during this dispute process.Throughout this challenging ordeal, I have maintained records of all communications, expenses, and actions taken to rectify the identity theft and remove the fraudulent account from my credit report. Being a victim of identity theft has had a profound impact on my personal and financial well-being. The unauthorized account has caused undue stress, affected my creditworthiness, and disrupted my financial stability. 
I hope the necessary steps are taken to correct the inaccuracies in my credit report resulting from the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX  court as the furnisher that's forgery and misleading when the courts don't report this type of account. I did not give written consent to report this account. XXXX XXXX XXXX XXXX,. This account is also showing a past due/late payment which also violates my rights. Send proof that this account belongs to me and that the courts gave you permission to report this.
Product: Credit reporting or other personal consumer reports

TransUnion Credit Bureau XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute - Multiple Unresolved Disputes and Violation of FCRA Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) Dear TransUnion Credit Bureau, I am writing to express my extreme frustration and disappointment regarding the repeated disputes I have submitted to TransUnion concerning an account with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX. Despite my consistent efforts to clarify that I do not owe this debt, TransUnion continues to verify the debt inaccurately, which constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ).

I have submitted multiple disputes regarding this account, clearly stating that I do not own this debt and providing comprehensive evidence to support my claim. This evidence includes a report to the Federal Trade Commission ( FTC ) [ Attach FTC Report ] outlining my grievances. It is crucial to note that this issue has persisted despite my diligent efforts to rectify it. 

The violations of the FCRA are as follows : 1. **FCRA Section 611 ( a ) ( 1 ) ( A ) : ** TransUnion has failed to conduct a reasonable investigation into my disputes. Instead, you have repeatedly verified the disputed account inaccurately without proper due diligence.

2. **FCRA Section 611 ( a ) ( 5 ) ( A ) : ** TransUnion has not provided me with written notice of the results of your reinvestigation into my disputes within the legally mandated timeframe. 

I demand that TransUnion initiates an immediate and comprehensive investigation into the XXXX XXXX XXXX account, considering the multiple disputes I have submitted and the supporting documentation, including the attached FTC Report. This investigation should result in the removal of the account from my credit report, as it is in violation of my rights under the FCRA. 

I expect a written response within 30 days of receipt of this letter, outlining the actions taken to rectify this situation, or I will be left with no option but to pursue legal remedies and seek damages for the continued violations of my rights. 

TransUnion must address this matter urgently and with the utmost seriousness. Failure to do so will have legal consequences and severe reputational implications. 

Sincerely, [ XXXX ] [ Enclosure : FTC Report, proof of delivery ]
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Dolex Dollar Express inc. tried to to give him very important personal information like, my personal taxi identification, copy of social security card, copy of my identification, Proof of where I work, and place of birth. All this was suspicious, since they wanted this to be sent by XXXX, call dolex 's legal compliance department directly.on Friday XX/XX/2023, at three different times, Every time I talked to someone they changed their request, in the end they only said that they wanted a copy of my identification, It was the only thing I gave them and it was a Dolex Dollar Express Inc agency that did it directly.Counting the people who spoke explained to me that it was not their thing but the payer in the country of XXXX.and here they are based on the BSA law, what I send to my sister is an average of XXXX dollars to XXXX, which I withdraw directly from her XXXX XXXX  account in the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether by Dollex or the third payer in XXXX, and to this day I have not received my money back, nor do they want it deliver in I request an investigation of both companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and XXXX XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a collection account that does not belong to me, I send all the paper work to proof that the account don't belong to me. Two disputes later collection account still on my report affecting my score. 

First Dispute XX/XX/2018 Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number Second Dispute XXXX  XXXX XXXX  Date Generate : XX/XX/2018 Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number
Product: Debt collection

This company keeps putting this item on my credit report. I have health insurance and its up to the hospitals to bill insurance. The insurance companies have contracted amounts that they pay the hospitals. I never received a bill from the hospital or a right to dispute letter from this company.
Product: Debt collection

I am filing this complaint due to an inaccurate debt reported on my credit file by NATIONAL CREDIT SYSTEMS, which claims I owe a balance from an apartment lease. This debt does not belong to me, and I have disputed it with the collection agency. Despite this, they continue to report it on my credit report without providing legally sufficient validation.

The collection agency initially provided an electronic signing transcript as validation, but it does not include a verifiable signature tying me to the debt. This transcript is merely metadata showing signing activity and lacks any authentic, legally binding evidence of my agreement to the lease. Since I did not sign this lease, I have a valid basis for an identity theft claim.

In response to my dispute, I requested : Immediate removal of the account from my credit report due to insufficient validation and lack of a verifiable signature.

Proof of authorization from the original creditor allowing the collection agency to collect and report this debt. 
Despite these requests, the collection agency has failed to comply, resulting in an unwarranted negative impact on my credit score. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) requirements to provide legitimate validation and cease collection activity when an account can not be authenticated.

( SEE ATTACHED )
Product: Checking or savings account

I have been attempting to link my accounts at capital one to outside accounts for deposits into capital one however I have now been notified by separate entities I conduct business with that Capital One is known by the I. T. community it large and in their company locally to be currently blocking users from accessing their accounts. This is exactly the information I have found as well. I have the right to access my financial records and access to my accounts, funds, and to conducts banking processes as I need in accordance as agreed. Capital One should immediately release, remove, deactivate, or otherwise nullify any and all blocks, locks, firewalls, and/or any other pertinent system whether hardware, software, or artificial intelligence born, engineered, curated, fashioned, mocked, or driven that prevents me and the rest of its customers from pursuing their rights to accessing person bank accounts from an external non capital one entity.
Product: Credit reporting or other personal consumer reports

I noticed that these late payments dont reflect how I usually handle my payments, which are normally on time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a complaint regarding unauthorized inquiries on my credit report, and you failed to respond or send validation of the disputed items. See the attached FTC report and remove the following unauthorized inquiries from my credit within 7 days : XXXX XX/XX/XXXX EQUIFAX, XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX, XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX, XXXX B XXXX XXXX EQUIFAX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX EQUIFAX, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a Capital One account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from capital one. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and Capital One directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from Capital One XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by Capital One 's refusal to release me from the fraudulent debt.
Product: Credit reporting or other personal consumer reports

2017. Car obtained via id theft using paper id copy. One of many loans obtained this way. Item shoes on my XXXX report still after it was removed from XXXX  and XXXX. Ss number last 4 is XXXX