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

The is not Filed by a Credit Repair company and this not filed by 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX  has violated my rights according to 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 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXme : USDOE/XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX with a balances of $ {$2500.00} and {$1100.00} that appears related to be related to XXXX  XXXX and XXXX  XXXX XXXX XXXX. I do not recognize the aforementioned collections as reported. The aforementioned accounts and collections were not opened, made, or initiated by me. All of the aforementioned collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed bank accounts and I had set up automatic payments. Somehow the auto payments didn't take out the first month. I didn't even know, I didn't receive anything in the mail or email. I didn't see anything on my banking show me anything different and I was hit with a 30 day late. I tried working this out with XXXX XXXX and they did not care what the situation was. I have never been late with them before or since. This was a fluke on banking. I have since switched back to my regular bank account and wont be switching account any time soon as this was a mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is breaking the law in 3 different ways. Number one they do not block items within 4 business days of getting all the 4 documents from me. I send the documents through your entity and they still don't block Em. They start an investigation instead which is illegal and breaking the law part 2, Instead of blocking the item. Their claim is they can't read the FTC report but yet they know which account to put a dispute on because they can't read the report they're just breaking the law. I will include all 4 parts including the law in this filing of the complaint. 605B of the FCRA.
Product: Debt collection

I apparently owe XXXX dollars to a company called Sunrise Credit Services which I have never even heard of. I filed a dispute with all 3 credit bureaus and XXXX  is the only one that refused to remove it form my credit score. I called the company but they refused to tell me the reason why I owed them money and hung up on me. The report says its for cable but I don't even have cable in my home. I would like this charge dropped from my XXXX  report. Thank you.
Product: Student loan

AFTER ALMOST 6 MONTHS, XXXX FINALLY DISCHARGED MY LOANS THROUGH XXXX. NALNET ADVISED ME THAT NAVIENT WAS NOTIFIED AND I HAVE CALLED, FAXED AND EMAILED THEM WITH THE DISCHARGE APPROVAL FROM NELNET AND THEY HAVE NOT ACKNOWLEDGED RECEIPT OF ANY INFORMATION TO THAT AFFECT. MEANWHILE, THEY CONTINUE TO TAKE AUTOMATIC PAYMENTS FOR THE LOANS FROM THE BANK AND IN ADDITION, I AM IN NEED OF FINDING A PLACE TO LIVE AND MY CREDIT REPORTS REFLECT A LARGE AMOUNT OF STUDENT DEBT AND I AM BEING DENIED HOUSING BECAUSE OF IT.
Product: Credit reporting or other personal consumer reports

I asked Transunion to send me proof that information that was put on my credit report is accurate. It has been beyond 40 days and I have not received any response.
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX Account Number : XXXX Reported By : EXPERIAN Date Opened : XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim XXXX XXXX police report number XXXX
Product: Debt collection

IQ DATA INTERNATIONAL {$4200.00} XXXX XXXX. 
UNDER 15 U.S. Code 1681b-Permissible purposes 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. 
I, XXXX XXXX XXXX never gave IQ DATE INTERNATIONAL any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

I have sent countless letters to your bureau regarding my identity theft status, yet my concerns remain unresolved. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting my credit file. XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX 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 XXXXE XXXX.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX has a {$0.00} balance. my account number is XXXX. 
Please remove this off my credit immediately. They stated on a recorded line that this will be removed once paid. Remove this immediately. 

XXXX. Comenity bank sold the debt to XXXX. XXXX XXXX  violated the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information about this account to the credit bureaus even after the debt was sold to a third-party debt collector. This charge off account can not be reported to my credit profile, please send a XXXX form. IF this can't be sent, by law this must be removed XXXX. Creditor : XXXX Account XXXX : XXXX I have submitted multiple complaints asking for documentation and verification for this debt and i was never provided proof of this debt. I provided the credit bureaus as well as worldmark proof that my name can not be found in the timeshare database. 
According to the FCRA, any information reported to the credit bureaus must be accurate and verifiable. If my name does not appear in your internal database and there is no record of my involvement with the timeshare, there is no justification for this account to be reported to the credit bureaus as an outstanding debt or obligation. 

By continuing to report inaccurate information, XXXX by XXXX is causing harm to my credit profile and is in direct violation of the FCRAs requirement for accurate credit reporting. 

I demand that you immediately correct this error by removing any references to this account from all credit reporting agencies within these 15 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a letter to nexis lexis ( cerified ) asking them to remove this XXXX from my credit file due to inaccurate reporting.Receipt of letter XX/XX/XXXX????
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went into a XXXX store to buy a new phone and start new service. When they checked my credit there seemed to be an issue so they had me talk with a person on the phone to verify my identity. He asked me many questions about previous addresses, cars, acquaintances, wife, etc, most of which WERE NOT ME. There was only one question that reflected me " what color was your XXXX XXXX XXXX XXXX. All the other questions had NOTHING to do with me. Because of that, my credit was rejected. I have a credit score of over XXXX, nothing delinquent. I live within my means and do not spend or charge more than I can afford. Now I am worried about identity theft. I have spent most of the day on the phone with XXXX  trying to correct this.
Product: Credit reporting, credit repair services, 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 COMMISSION or XXXX XXXX XXXXXXXX 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, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> my XXXX XXXX  ( XXXX XXXX XXXX ) is marked as late on my payment history. I have contact credit agency to investigate and remove it from my credit report
Product: Money transfer, virtual currency, or money service

I requested a refund for my overpaid Citi Bank card. I submitted online on XX/XX/XXXX to send to my savings account. I immediately recognized ( after submitting ) I had an outdated account on file. I called Citit immediately and explained my situation. I was told on the phone that they could not cancel the refund and to contact them again tomorrow. I contacted Citi the next day ( XX/XX/XXXX ) and was told it was already processing but if the account is old that " it will be returned '' as incorrect. On XX/XX/XXXX I received a confirmation that the refund was processed. I have called Citi and they told me will start an investigation that will last 30 days to refund my money. On two separate occasions I asked them to cancel this request but they knowingly continued the refund. At no point was I directed to speak with a resolution team or senior representative.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CDPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises some serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have settled my indigo XXXX account, my XXXX XXXXXXXX account and my XXXX accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

BY REPORTING THES INACCURACIES YOU ARE IN VIOLATION OF 15 U.S.C 1861b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstances and no other : TRANSUNION has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a huge amount of injury
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that EQUIFAX is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with EQUIFAX but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : 1. XXXX XXXX : XXXX 2. XXXX OF XXXX : XXXX 3. XXXX XXXX : XXXX 4. US DEPT ED : XXXX 5. XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY EQUIFAX CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TransUnion Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1. Account opened at DEPT OF EDUCATION on XX/XX/year> XXXX Credit inquiries XXXX XXXX XXXX XXXXXXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an another medical bill from collection agency, but the same amount ( {$1000.00} ) is in my credit report ( before collection agency company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. Tel XXXX activity XXXX XXXX XXXX collection ). Today collection agency company is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MN XXXX tel XXXX activity XXXX XXXX XXXX ( collections ), the original bill was charged on XX/XX/2017 for medical service, but this bill wasnt mine, it was someone name on it.
Product: Credit card

I am missing XXXX XXXX points earned with my new JP Morgan Chase XXXX XXXX XXXX in XXXX. 

The XXXX points earned were transferred to the wrong XXXX account number. Chase transferred it to the secondary card holder ( my husband ) instead of me, the primary card holder. 

XXXX, Supervisor at Chase told me XXXX XXXX XXXX told them on XX/XX/2024 that I need to call their Customer Service and request a merge of our accounts. 

XXXX at XXXX XXXX XXXX said that this is not a " merge '' request. It's a correction request that only Chase can make.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unknown authorized inquiry reporting on my credit report Discover Bank XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Discover Bank XXXX XXXX, 2016 Unknown inquiry, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of e-Oscar ( their web based automated verification process ) Their exact e-Oscar definition ( per XXXX XXXX XXXX ) is that " e-Oscar is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX  in which I disputed with them on XX/XX/XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

ibe been trying to ger this corrected since XXXX of this year and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only one who hasnt im filing a consumer report again i included it and list of inquirys XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX all these are fraud and should be treated as such