23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to do a proper re-investigation according to FCRA. All Credit reporting agencies are supposed to have the same accurate information when a true investigation is done. Attached is proof that all Experian, XXXX, and XXXX have different information. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. XXXX  XXXX account XXXX is a fraudulent account and is reporting with different information on all from Experian, XXXX, and XXXX which proves there has been no proper investigation done. Experian is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit reporting

The information being used by Equifax to develop their Knowledge Based Authentication XXXX KBA XXXX questions is incorrect and does not allow me to correctly answer the questions and keeps me from initiating online disputes or requesting a free credit report. This incorrect information was also used to keep me from applying for XXXX Membership. I called Equifax to find out how to fix it and was transferred to XXXX people ; the XXXX woman that I was transferred to was extremely rude and laughed at me, and then refused to allow me to speak to a supervisor. I am exasperated.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

You are receiving this letter because I over looked my Consumer Report and you are furnishing a few accounts that I dont recognize and/or believe are inaccurate. I assume that you have verified the accuracies of the accounts/items that prior to you furnishing the items on my Consumer Reports. I will need to provide me proof of the documents that you have verified the accuracy of all of the accounts I disputed. 

Pursuant FCRA, 15 USC 1681g, my right to demand that you disclose to me any and all of the documents that have been recorded and retained in all of your files at the time of my request concerning the accounts that you are furnishing on my Consumer Reports. 

I submitted these letters on XX/XX/2021 and I have not received a letter back from them and its been over a 30 day period.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Balance {$9300.00} XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone use my information to open a credit card, spoke with XXXX they will not help even with police report I did not open this account
Product: Credit card

Received my Chase Credit Card Monthly Bill and did not recognized {$20.00} charge that appeared from XXXX XXXX XXXX XXXX XXXX CT. The phone number is out of service. There is no web address. I reported the charge item to Chase. On XXXX, this phone number is linked to fraudulent company. If all Commercial Banks are notified that this is a fraudulent account, why are n't they required to identify this phone number on all their XXXX Card accounts, many consumers will overlook a {$20.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with all three credit bureaus regarding a XXXX XXXX on my credit report. They will not remove this will not remove from my file I have disputed this so many finds
Product: Money transfer, virtual currency, or money service

Having problems with unemployment and XXXX  NetSpend XXXX  all access NetSpend
Product: Credit card or prepaid card

On XX/XX/XXXX I had {$1500.00} in a Bank of America Employment Development Department Debit account. Beginning XX/XX/XXXX and continuing to XX/XX/XXXX there were about XXXX charges to my account by XXXX emptying the account. The amounts of the fraudulent charges varied between {$0.00} and {$3.00}. I reported these fraudulent charges to Bank of America on XX/XX/XXXX and was promised that the money would be returned to me but could take up to 90 days. As of XX/XX/XXXX, 263 days have elapsed since reporting the fraud to Bank of America which has returned {$840.00} to the account. 

Since Bank of America has returned a portion of the stolen money and has stated that the, case is closed, it appears that Bank of America is declining to return all of the stolen money. I have received a letter from Bank of America stating that they, regret any dissatisfaction, which you may have experienced during the the dispute process. Being that the dictionary definition of fraud is, A deception practiced in order to induce another to give up possession of property or surrender a right, and Bank of America is attempting to induce me into giving up possession of my property, this appears to be a case of fraud perpetrated by Bank of America. 

Further, the Bank of America, California Employment Development Department Debit Card Account Agreement, booklet states in item 9, Bank of Americas Zero Liability Policy for Unauthorized Transactions, that I have no liability for unauthorized transactions which these transactions were.

Could you please help me get the Pandemic Unemployment Assistance funds which were allotted to me via the CARES Act of XXXX and fraudulently taken from my account returned to my account?
Product: Mortgage

XX/XX/XXXX I submitted an online application for a mortgage loan with Bank of America. XX/XX/XXXX I received a message to call the 800 number which I did call and spoke with the online loan officer, XXXX XXXX. ( I have his NMLS ID # ). We talked about the various options and requirements for the home loan. In part of the conversation I asked how is my student loan payment treated in the debt-to-income ratio? The online loan officer said that Federal Housing Authority ( fha ) requires 1.15 % of the loan balance to be included the budget. ( I have done my research prior to applying and am aware that fha requires the the greater of 1 % of the loan balance or original amortized payment amount ). And I asked why does the Bank require that additional .15 % and the online loan officer could not give an answer and said he doesnt know and said its an over layer ( something like that, he became a bit inaudible in the answer ). Also, in the process of listing the requirements the loan officer said I needed to put an additional {$350.00} in the budget ( debt-to-income ratio ) for collection accounts. He included two accounts that were not actual collections but the accounts that were closed, remaining balances that were charged off and the creditors did not notate the accounts as collections. One of the accounts is 7 years old and due to drop off of the credit files in one - two months. Two other accounts were removed from two of the credit bureaus but not of them ( because they were errors ). 
I believe these requirements are over and beyond the requirements of Federal Housing Administration ( fha ) requirements ; And, are discriminatory against me.
Product: Debt collection

PLEASE HELP ME AS THESE FRAUDULENT ACCOUNTS ARE ABSOLUTELY NOT MINE. PLEASE HELP TAKE THESE OFF FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( Mo ) 281 SW715.719 presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX {$3700.00}, acceptancenow bal. {$2500.00}, XXXX XXXX XXXX  XXXX XXXX {$720.00}, XXXX XXXX bal. {$1200.00}, XXXX XXXX XXXX bal. {$650.00}, XXXX XXXX XXXX bal. {$590.00} XXXX XXXX XXXX XXXX bal. {$68.00}, XXXX XXXX bal {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 602 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I attempted to get a personal loan through an online lender called XXXX XXXX. The lender told me I was approved for XXXX and that they would deposit the funds into my bank account and that they needed my verbal password I provided them with the password and they stated that they were going to put a portion of the funds into my amount and that I had the return it in order to get the full amount of the loan. In actuality they called my bank impersonating me and requested credits on my account in the amount of XXXX. When I started to discover this I contacted the banks to stop the credits and was told I would not be liable. And later I contacted Bank of Americas fraud team and they informed me because the verbal password was given I was responsible for paying but the credits they were reversed. Since that time my son s SSI which he receives from his fathers XXXX was taken twice to cover the debt. And we lost our apartment because we use they additional income to help cover our bills. We had to sleep in our car and stay in motels and homeless shelter do to this. This has been devastating for me and my children and now my bank account has been force closed I filed a police and nothing has happened.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. These accounts were the result of unauthorized activity and should not appear on my credit file. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/18 I sent a letter to Receivables Management Systems with an attachment of what I think is in error of their amount due. Their bill is XXXX and I sent copies of bank clearing checks I sent to XXXX XXXX. I came up with owing {$54.00}. I do not ever recall my account going to collections while I continued to pay XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft.

I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living.

Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Self Financial in XXXX of XXXX  Their advertising states that if you pay {$25.00} a month, your credit score will increase, and after paying for 2 years, you will get a payout of {$520.00} ( {$600.00} minus an {$89.00} fee ). I paid on time, and paid off my credit usage every month. At the end of 2 years ( this XXXX ), I only received {$46.00}. I want the rest of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, at XXXX I had got an alert from XXXX XXXXXXXX XXXX XXXX XXXX and Equifax XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.
Product: Credit card

On XX/XX/XXXX I purchased concert tickets via XXXX to a XXXX XXXX show on XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The event was first rescheduled to XX/XX/XXXX because of a blizzard, but then was completely canceled, because the venue burned down ( which was not communicated until XX/XX/XXXX ). The refund took a year to be send out, with an email send to me on XX/XX/XXXX. However, the refund never arrived. I contacted XXXX with not luck, the venue without any help, and Goldman Sachs, the credit card company who operates my Apple Card. I tried over months to reason with Apple Card/Goldman Sachs , that I should receive my refund. Twice they told me since I was refunded, they would not help me. I asked them to offer me proof of the refund in my account, as that should be easy, but they failed to do so. An email is not refunding the actual value to my credit card, which should be showing somewhere, but there is nothing on my account. This financial institution is taking my money illegally and I would like this resolved.
Product: Credit reporting or other personal consumer reports

I am submitting this urgent complaint regarding fraudulent accounts and violations of federal law involving Equifax and other entities. I am a victim of identity theft, and unknown individuals have unlawfully opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. 

The fraudulent accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, the following addresses and name variations do not belong to me and must be removed from my credit file : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Name variation : XXXX XXXX XXXX Violations : These accounts were initially removed from my credit report but have since been re-reported without proper notification, violating XXXX XXXX. XXXX ( Validation of Debts ). The failure to notify me of the re-reporting within the required XXXX window is a direct violation of federal law. Furthermore, discrepancies in the open dates and inconsistent reporting violate : XXXXXXXX XXXX  XXXX ( b ) ( Fair Credit Reporting Act ) - Ensuring accuracy and fairness in credit reporting. 

XXXX XXXX. XXXX ( a ) ( XXXX ) - Prohibiting the reporting of inaccurate information. 

XXXX XXXX. XXXX - Requiring timely and adequate validation of debts. 

Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - Criminalizing unauthorized use of personal information for fraud. 

XXXX ( XXXX and Accurate Credit Transactions Act ) - Allowing consumers to place fraud alerts and obtain free annual credit reports. 

XXXX  XXXX XXXX - Addressing identity theft-related offenses in XXXX. 

Despite my good-faith efforts, creditors and credit bureaus have neglected their obligations under these statutes, resulting in significant harm, including damage to my creditworthiness and emotional distress. 

Requested Actions : Immediate removal and permanent blocking of these fraudulent accounts from my credit report. 

A full investigation into the practices of the creditors and credit reporting agencies involved. 

Written confirmation of the removal and investigation results within the timelines prescribed by federal law. 

Compliance with federal law to prevent further violations of my rights. 

Supporting Documentation : I have enclosed the following documents to support my claims : Copy of my government-issued ID. 

Copy of my Social Security card. 

Police report regarding the identity theft. 

Proof of my current address. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming corrective actions and investigations. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached. 
There seems to have been a clerical error in reporting the payment. 
Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX XXXX XXXX  in XXXX, XXXX and equifax is missing generation identifier. These are inaccuracys On XXXX and Equifax the status updated is XX/XX/XXXX. On XXXX it is XX/XX/XXXX. These are inaccuracys. 

On XXXX and XXXX the balance updated is XX/XX/XXXX. On Equifax there is no balance updated. These are inaccuracys. 

Equifax, XXXX and XXXX do not contain a last payment date. These are inaccuracys
Product: Debt collection

On XX/XX/2023 I was contacted by this company in attempts to collect a debt that was caused by identify theft. I then proceeded to Dispute and I was later emailed that they are no longer handling this matter but continues to collect the debt listing amount at different amounts. I am a victim of identity theft and fraud. This has been a problem for me as it's been listed on my credit report. Ism requesting removal and Compensation.