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

I've been trying to reach out from their department for several months now and Ive never received any response from their side. Im wondering if they have received all of my letters and what actions have they taken to resolve my concerns. This matter has been pending for so long and Im really hopeless knowing that my record will definitely give bad impressions to future creditors who will get to see my credit reports. In return, it will affect my credibility as a consumer to which I have no control if that happens. 
I remember the last time I wrote a letter to their department, I asked for the reinvestigation of these items and I was waiting for your response or results but I didnt get any after 30 days. 

CREDITORS NAME : ACCOUNT NUMBERS : DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My credit score according to XXXX, is XXXX. I applied for a pre-approval to US Bank on XX/XX/XXXX. They obtained my credit report on XX/XX/XXXX. On XX/XX/XXXX, I contacted them to inquire as to the status. 

They requested to contact the dealer and ID the car, both of which I happily orchestrated. I told them I need an answer, as they advertise " approval in minutes '' and I am losing the option to buy this particular auto. After requesting further documentation, I angrily told them in no uncertain terms I would NOT do business with them. 

They were aware of the XXXX value of the auto I was purchasing, the XXXX I was putting down on the purchase, and aware of my credit score. According to the subsequent institution I obtained the loan with, they confirmed that it was " highly unnecessary '' to request or obtain any further documentation regarding the loan than I had disclosed to USBank. It 's their right to refuse my loan based on logistical parameters, however, this was blatant discrimination. 

My complaint however, is not about discrimination, although I am absolutely sure this was a personal discriminatory decision from a representative of UBank. 

My complaint is that this institution, or someone within it, deliberately, with malice and obtained a second credit report on XX/XX/XXXX, 3 to 4 days AFTER I told them to cancel the application, and that I had " no intention '' of ever doing business with USBank, and that I was in fact going to close my account which is held by them. 
I have proof of this VIA my XXXX Credit account, which alerts me to all activity concerning my credit, including any request to obtain said report. 

I have uploaded a screen shot of the proof of obtainment from USbank on XX/XX/XXXX ( valid ) and XX/XX/XXXX ( Malicious and illegal ). 

Access to the actual account where this proof resides may be obtained from me, to verify and validate the screen shot I have attached. 

I find it revolting that a personal grudge largely stemming from the unethical, capricious and arbitrary actions of those involved, later utilize their position to illegally and without due cause or authority, to take personal action in hopes of one can only deduce, to create a deleterious outcome for me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letter to the three bureaus XXXX, XXXX, and equifax on XX/XX/2022 and XX/XX/2022 and havent got a response yet. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX  XXXX  Account Number : Please remove it from my credit report. 

. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.
Product: Credit card or prepaid card

I purchased from a company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who stated my goods ( a weight set ) were shipped in XX/XX/2020, and every time I reached out to the company for information and tracking, I was met with excuses. I still have not received ANY goods for the {$440.00} I paid, so I reported the fraud to my credit card company, Citibank. My credit card company, Citibank, closed the dispute and decided I was liable for the charges, but I still have not received any goods, nor am I receiving any information or responses about tracking from the company. I have good reason to believe this company is running a fraudulent business. The company 's website, www.solardrop.com, is now offline completely.
Product: Debt collection

Dozens of phone calls from the revenue group in XXXX Ohio indicating an attempt to collect a debt. Wo n't disclose what the supposed debt is unless I share personal information which I refuse to do. I have told them I have no outstanding debts and to mail me information regarding the matter as it could be identity theft or something. The callers are rude and contine to call several times a week for the past few months.
Product: Debt collection

I am applying for a job and was notified about a debt with Atlantic Credit and Finance. Ive tried numerous times to reach them but can never get through and never receive a call back. I also have never received anything in writing from this company or received any calls. Its impossible to take care of and could possibly cost me employment. I contacted the original creditor but they say they cant take any payments. XXXX XXXX XXXX is the original creditor. Furthermore. There are over 100 XXXX  complaints about the same thing. Theyre impossible to get ahold of yet Credit cant be repaired.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX,2017. I sent certified letters to XXXX XXXX XXXX asking them to validate 3 accounts they are reporting on all three credit bureaus. They fail to validate the debts. I do not have a contract with them. These debt are from XXXX XXXX which had no permissiin to share my medical information with a thid party. I also sent letters to XXXX, XXXX, and XXXX. XXXX XXXX deleted 3 of the accounts. XXXX still reports all 3 accounts. XXXX only deleted 1 account. I have had no verbal communication with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX C/o XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$94.00} They trying to collect a debt they do not have a right to collect.
Product: Credit reporting or other personal consumer reports

I reached out to all three credit bureaus to dispute transactions as well as my name addresses, etc., that is not belong to me and they denied my request or kept the information on there
Product: Credit reporting

We have a complaint before you - Consumer Financial Protection Bureau Case number : XXXX. We received a report from Trans Union dated XXXX XXXX, 2015, but the report failed to provide any supporting documents again per our request see our XXXX XXXX, 2015, letter requesting deposed information. We are having an issue with a XXXX score for XXXX allegedly adverse reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 1. XXXX  - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX  - XXXX 5. XXXX XXXX XXXX  XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX - XXXX XXXX - XXXX 8. XXXX XXXX, XXXX XXXX - XXXX 9. XXXX XXXX XXXX - XXXX 10. XXXX XXXX - XXXX 11. XXXX XXXX - XXXX 12. XXXX - XXXX XXXX
Product: Debt collection

Waypoint Resource group out of Texas randomly decided that I allegedly " owed '' some debt in the amount of {$40.00}... I have never heard about them prior to this letter, nor do I have any transaction relationship with them. On top of that, they are sending it to me at my home in XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is willingly and knowingly transmitting fraudulent information regarding my credit profile. XXXX XXXX XXXX claims I owe their company {$450.00}. This account is not mine and is a result of identity theft. I have notified the creditor directly and the credit bureau, however, both have failed to act accordingly.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

XXXX/DEPT OF EDUCATION , XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX And one more thing according to 15 USC 1681s-2 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Prepaid card

My card was fraudulently used for over XXXX worth of transactions without my consent. I opened a dispute with Eppicard on XX/XX/2016. I was advised upon signing and returning the affidavit by XX/XX/2016, that I would receive provisional credit/refund of all charges while the company investigated issue. The company XXXX mailed affidavit to the wrong address, the had to re-maill to me. I mailed the completed affidavit on XX/XX/2016 in which I was told it had yet to be received. Upon speaking with XXXX more customer reps & XXXX level XXXX reps I was advised to fax in affidavit just to be sure it was received by XX/XX/2016. I faxed the paperwork to the # provided by each rep & received confirmation receipt. I then called on XX/XX/2016 and was told by a Rep named XXXX that faxes are not accepted & that I would not be refunded. I then spoke with a XXXX whom stared that faxes are acceptable however they will not refund due faxes take up to 48hrs to process & that will put the paperwork received after XXXX/XXXX/16. I asked her about being escalated to a supervisor or higher up, she refused. I then asked her what can I do to get my money back seeing as I 've done everything I was advised to. XXXX told me I can just wait it out to see if they investigate or get a lawyer & file suit. This card is for my children ( child support ) & eppicards process is completely unacceptable & inconsiderate. The employees are rude and they never seem to give the same or accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT BUREAU IS REPORT A CHILD SUPPORT DEROGATORY ACCOUNT. WHY IS NYS CHILD SUPPORT ENFORCEMENT ACCOUNT NUMBER XXXX REPORTING TO EXPERIAN CREDIT BUREAU. THIS TYPE OF ACCOUNT DID NOT STEM FROM A CREDIT TRANSACTION. NO CREDIT WAS EXTENDED SO HOW COULD THIS BE REPORTED TO THE CREDIT BUREAUS. 

THE XXXX SETTLEMENT AGREEMENT FROM 2015 : THE CR 'S SHALL PROHIBIT COLLECTION FURNSHES FROM REPORTING THE DEBT THAT DID NOT ARISE FROM ANY CONTRACT OR AGREEMENT TO PAY ( INCLUDING, BUT NOT LIMITED TO, CERTAIN FINES, TICKETS, AND OTHER ASSESSMENTS ). 

THE CRA 'S SHALL IMPLEMENT A PROCESS DESIGNED TO REMOVED FROM THE CRA 'S RESPECT CREDIT REPORTING DATABASE ANY EXISTING DATA REPORTED BY COLLECTION FURNISHES RELATING TO THE COLLECTION OF DEBT THAT DID NOT ARISE FROM A CONTRACT OR AGREEMENT TO PAY. SUCH EFFORTS SHALL INCLUDE BUT ARE NOT LIMITED TO, SHARING BEST PRACTICES FOR KEYWORDS AND SCREENING PROCEDURES DESIGNED TO IDENTIFY DEBT THAT DID NOT ARISE FROM ANY CONTRACT OR AGREEMENT TO PAY. 

PLEASE ASK EXPERIAN CRA 'S TO REPORT THE NYS CHILD ENFORCEMENT ACCOUNT TO DELETE THIS ACCOUNT. THIS ACCOUNT DID NOT RESULTS IN A CREDIT TRANSACTION NO CREDIT WAS EXTENDED.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection Account Reported by Columbia Debt Recovery Dear CFPB, I am writing to dispute the accuracy of information reported on my credit report regarding a collection account listed by Columbia Debt Recovery. I have identified discrepancies that I believe warrant correction or removal of this entry under the guidelines of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

Disputed Account Details : Creditor Name : Columbia Debt Recovery Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$3200.00} as of XX/XX/year> Original Balance : {$2800.00} Metro 2 Codes for Dispute : Code XXXX - Consumer disputes- Not his/her account : The account listed does not belong to me, and I request proof of any agreement that obligates me to this debt. 
XXXX XXXX - XXXX XXXX Account : If this debt has been purchased, please verify the chain of custody of the alleged debt and provide documentation proving I am the rightful debtor. 

I respectfully request that you investigate these claims and, if found to be inaccurate, promptly delete the erroneous entries from my credit report. Please provide me with the documentation, including any signed agreements, that verifies my responsibility for this debt. If such verification can not be provided, I request the immediate removal of this item from my credit report. 

Please send me confirmation that this dispute has been received, along with the results of your investigation, within the statutory timeframe of 30 days as prescribed by the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

Experian, XXXX XXXX and XXXX has failed to fulfilled his legal obligations under the fair credit reporting at FCRA to conduct a reasonable investigation of the disputed information on my credit report, leaving an accurate or unverifiable accounts, unresolved the consumer financial protection bureau CFPB has already filed a lawsuit against Experian transfusion XXXX Alleging, systematic issue such as failing to forward, consumer provided evidence to are furnishers, accepting a reliable response, responses, and failing to adequately notify consumers of dispute outcomes. These failures align my experience where these Credit companies has neither. corrected or resolved no removed disputed items. Despite the evidence I provided, causing ongoing harm to my Credit standing I am requesting immediate corrective action to removed or amend the disputed accounts, as these Credit companies in actions violate federal law to my rights as a consumer.
Product: Credit reporting or other personal consumer reports

FCRA 605B might need us to take out wrong accounts from my credit report. Can you check the papers? Some listed accounts are wrong in how they're reported, with wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being Hit with a hard inquiry on XX/XX/2018. I did not make any such inquiry and would like it removed from file.
Product: Checking or savings account

I have a checking and savings account with Wells Fargo bank. Recently my savings account has been charged with XXXX XXXX monthly service fee and has been since six months back but only now its been posted on my account. I was never charged these fees six months ago and all of a sudden it posted on my savings account.
Product: Mortgage

Bank of America as well as Bank of America 's attorney/counsel XXXX XXXX & XXXX have denied overcharging my mortgage by adding fees from the year 2012 to the Present day for services never performed but were added to my mortgage balance. Furthermore, the attorney as well as Bank of America have adding charges such as as cutting my hedges which were not overgrown. Bank of America as well as the attorney have said to contact XXXX XXXX XXXX . I 've tried multiple times but was never responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA.

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Sincerely, XXXX XXXX