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

They have failed to resolve my concerns. They have failed to communicate with the creditor involved. The credit consulting agencies have failed to provide coherent and consistent reports. All their details were mismatched to one another, not just in one criteria or rows but all other 5-9 rows were incoherent, incorrect and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/2021 ( all XXXX bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me. I am trying to buy a new home and was shocked to see this, as my payments are always on time. Thank you
Product: Debt collection

15 U.S.C. 1692c ( c ) U.S. Department of Education XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account # : XXXX For years U.S. Department of Education has harassed me, making it difficult to do anything with my credit.

Thank you
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau 's about removing these fraudulent inquiries from my report. They in return told me I should worry about them because they would be falling off my report in the near future. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Midland Credit Management calls me multiple times a day, daily, from varying anonymous numbers so that I am unable to block them. It starts in the morning and ends at night. Its all day. Ive had to set my phone to mute callers that arent my contacts, with severely cripples my ability to answer important phone calls for job interviews or potential contracts ( ironically, because I need a job to pay off this exorbitant amount of debt ).
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON THE SETTLEMENT AGREEMENT. XXXX XXXX WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Debt collection

I reached out to this debt collector to ask for validation of debt they failed to provide it and insisted the debt belonged to me. I always had health insurance, they couldnt even show me a picture of my ID because I know for a fact they cant provide it because I never was seen in the XXXX. I filed a FTC complaint and they still refuse to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Transunion XXXX and XXXX to dispute inaccuracies that I noticed in my credit report. The Credit Bureaus are reporting inaccurate information on my credit profile and today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.
Product: Debt collection

Southwest Credit Addressed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX as of XX/XX/year> has been trying to collect on a debt is not mine and additional a debt that has been sold/transferred to them. Since XXXX XXXX XXXX XXXX XXXX XXXX Addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has been attempting to collect them same debt that is not mine. Remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries EQUIFAX XXXX XXXX I XXXX writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act ), 12 CFR 1022 ( Regulation V ), the Privacy Act of 1974, and 16 CFR 313 ( Privacy of Consumer Financial Information ).

**Violations Noted : ** 1. **15 U.S.C. 1681** mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
2. **15 U.S.C. 6802-6805** obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions.

3. **12 CFR 1022 ( Regulation V ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
4. **The Privacy Act of 1974** protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under **16 CFR 313 and specifically 16 CFR 313.7 ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I work for XXXX and XXXX and then both companies run a background check on me with the agency called Checkr. The background Checkr run was inaccurate, it shows my license was not valid : however, when I go to check with Georgia Department of Motor Vehicle, Georgia DMV provides me proof of having a valid drivers License. I send the documents back to Checkr and then Checkr has not made the change in the report yet. I requested for Dispute and there is no change. I need to get back to work. I need to be able to work, that is stopping me from paying my bills. I have to pant car note and house. I need to pay my child Support. My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 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.

Experian is in violation of 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) Permissible Purpose of Consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

EXPERIAN did not have Permissible purpose. They also did not have my written consent. 
EXPERIAN is in violation of 15 USC 1681b ( a ) ( 2 ). 

I, XXXX XXXX has contacted Experian Credit Bureau many times via certified letter and theyve failed to provide me with any requested forms that I have demanded! Ive requested for a reinvestigation and they have yet to properly do so. 

In the month of XXXX, year XXXX, XXXX XXXX consumers information was hacked in a data breach including myself. Exposing my personal information such as ; social security number, email address, telephone numbers and mailing addresses. 
Under the FAIR CREDIT REPORTING ACT ( FCRA ), it governs the way consumer credit reports are accessed and how credit reporting agencies handle personal information. 

Under 15 USC 1681 ( i ) ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumer or reseller. 

Experian has NOT used the maximum possible accuracy to ensure that my ( consumer ) data has meets the correct standards. 
As a consumer, I have suffered mentally, physically and emotionally of the inaccuracies/ faulty practices of EXPERIAN XXXX 

EXPERIAN has knowingly committed Aggravated Identity Theft. 18 USC 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always been able to get my free annual credit report from Equifax on-line XXXX XXXX XXXX  This year, after trying multiple time on multiple days, I would only get a message that said I had to call in to the Customer Care Team. Upon doing so, the prompts are very time-consuming, confusing, and difficult to get through. Some of the prompts directed you to sign up for an Equifax account, which I do not wish to do. Two weeks ago, when I first navigated the prompts to what I thought was the correct location, I ended up at an automated system where I entered information to receive the credit report by mail. What showed up in the mail was not a credit report, but instead a Research Request Form. Today, I called again, and this time was actually able to eventually speak to a person. Supposedly, I am now to receive the credit report by mail. I will wait to see if this mailing is indeed the credit report. 
My complaint : Obtaining the Equifax annual credit report is a very difficult and confusing process. It apparently is not possible on-line anymore. I would ask that Equifax make it a straight-forward and transparent process to obtain one 's annual credit report on-line.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$95.00} XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX BANK XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : 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

Equifax has breached my information. I am a veteran and vulnerable to retaliation. I am being harassed and my phone is ringing off the hook i'm a service connected veteran and this exacerbates my disability.

There are even scammers that are sending me emails such as this because of the breach.

You've Received a Virtual Prepaid Card {$17.00} Per the terms of the Settlement, your pre-paid card is enclosed for your Equifax Data Breach Settlement Extended Claims Period claim payment of {$17.00}. 



REDEMPTION INSTRUCTIONS Click the Redeem Virtual Card button below or visit the redemption site by clicking this URL : XXXX : XXXX? XXXX You can also navigate to the Equifax Data Breach Settlement Website XXXX XXXX and XXXX the instructions to redeem your card. 
Once on the www.MyPrepaidCenter.com site, click " Enter Code '' and enter the redemption code : XXXX TIPS : Click the link above or copy and paste the address into your browser to navigate to the activation site or navigate to the Equifax XXXX XXXX XXXX site. 
If you search for the redemption site online, please be aware that there are fraudulent websites. We recommend following XXXX of the paths above to avoid fraudulent sites. 

REDEEM VIRTUAL CARD Redemption Code XXXX You received this email from the Equifax XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX If you do not wish to receive further emails from the Equifax Data Breach Settlement , contact us at XXXX. 

This violates : The Fair Credit Reporting Act ( FCRA ) - specifically : 15 U.S.C. 1681 ( b ) - Failure to protect consumer data 15 U.S.C. 1681e ( a ) - Failure to maintain reasonable security procedures The Gramm-Leach-Bliley Act ( GLBA ) Specifically the Safeguards Rule requiring financial institutions to protect consumer data Section 5 of the Federal Trade Commission Act Prohibiting unfair or deceptive practices affecting commerce
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a 35 mm camera at XXXX.When there I applied for a XXXX XXXX card.The date for this was XXXXI applied for the XXXX  card because I wanted to save {$25.00} on the purchase of the camera. Equifax gave them my past history.It was never revealed to me what past history was used. There is a Statute of Limitations for Debt collection. I want Equifax to put in writing the reason I was turned down. Not 'due to your past history etc. 'What 's the reason? Where are the facts? 

sincerely, XXXX XXXX PS. Your Complaint process is too long and hard to find.
Product: Debt collection

AFNI, INCXXXX .I have a a unverified account from AFNI , INC . I had previously disputed this account this account. I have never done business with AFNI , INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debtAFNI, INC purport I owe. I request that AFNI , INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX
Product: Debt collection

I was a victim of identity theft. I have been disputing this error for over two years. My last dispute was sent via mail on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive a response. According to the Fair Credit Reporting Act, the company is required to respond within 30 days. I have contacted the company and informed them of this matter to have this error removed. The representative told me that they did not respond because they don't do pay for delete disputes. Rather they settle pay for delete disputes or not, I should have been notified. If this isn't removed I will be starting the litigation process.
Product: Credit reporting or other personal consumer reports

i have inaccuracies on my credit report and because of this its causing significant harm to my credit. Per Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C S 1681 c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this complaint. I also would like to delete all personal information that is not mine or not accurate related to this identity theft. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were NOT AUTHORIZED BY ME and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.
Product: Debt collection

My complaint is with Borenstein & Associates , LLC Mr. XXXX Borenstein # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone # is XXXX Mr. XXXX Borenstein brought a falsified document into court claiming I had been legally served papers by his company back on XX/XX/XXXX of XXXX. Unfortunately They delivered the papers to some stranger at a job I used to work at over a year ago. Without properly confirming I had received the notice to appear Mr. XXXX Borenstein proceeded as planned with his corrupt practices. 
Mr. Borenstein is in direct violation of the FDCPA ( Fair debt Collection Practices Act ) Section 15 USCS 1692e : False or Misleading Representations ( 5 ) The threat to take any action that can not legally be taken. ( I was never served any papers. Mr. Borenstein just dropped papers off to some stranger at a job I have not worked at for over a year. Per Colorado Law and this code, I was never legally served, and he can not threaten to garnish any wages of mine which he is. ) ( 10 ) The use of any false representations or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( Mr. Borenstein used Deceptive Practices when not legally serving me papers prior to court and lying to a judge so he can fast track this case to illegally take advantage of me. ) ( 11 ) The failure to disclose in the initial written communication with the consumer. ( The first communication I received from Mr. XXXX Borenstein 's company was a threat from him to garnish my wages received on XX/XX/XXXX. ) This is just what I was able to find in the first 10min of researching this topic and how I can handle this situation. If Mr. XXXX Borenstein would like to proceed with this the legal way he should come serve me papers the legal way and I would be more than happy to participate in his investigation. But until then this is harassment and an illegal attempt to sue me!
Product: Money transfer, virtual currency, or money service

We ordered flooring from XXXX distributor XXXX XXXX CA on XX/XX/XXXX, paid a deposit of XXXX with a credit card. The salesman was supposed to send us an invoice. We received an email XX/XX/XXXX with all the appropriate information of our purchase, invoice etc requesting the remainder amount XXXX  due via wire or ACH. This amount was transferred from XXXX XXXX to the account for the company with Chase bank on XX/XX/XXXX. We were notified on XX/XX/XXXX by the salesman, that he may have been hacked an the email was a scam to not transfer money. He mentioned two other clients were involved ( eventually got money back because they were local ). We were abroad, so filed recall complaint on XX/XX/XXXX with XXXX. We were told to give 5-10 business days. Also filed complaint with XXXX XXXX, FBI XXXX. We have been in touch with XXXX almost daily to follow up. We were informed they can follow up after 10days. My wife spoke with owner of the company, on XX/XX/XXXX, who went with her to Chase to see if anything can be done. Chase informed that they respond within 8 days and then close the inquiry. So, another fraud complaint was filed with XXXX. My wife followed up again XX/XX/XXXX with both chase and XXXX Chase informed her they don't see anything, XXXX  would have to send swift message. She called XXXX  who informed since it's a wire fraud they don't send swift message, recall through wire message. Neither bank is willing to talk to each other, seem like each has a different way of handling the situation. While this happening, we are not getting anywhere, while financially stressed due incurring project costs since the material is not delivered, and as such emotional stress of no resolution.