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

XXXX : XXXX. US Small Bus XX/XX/XXXX XXXX. US Small bus XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Equifax : 1. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 4. Equifax Mortgage XX/XX/XXXX XXXX : 1. Equifax mortgage XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FTC Report NumberXXXX XXXX XXXX XXXX Account number XXXX. 

XXXX Tracking- Pending, I Have Mailed Correspondence To Experian Legal HeadQuarters At XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Pursuant to FCRA 605B Block Fraudulent Account Within 4 Business Days Of Receiving Complaint. 

XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Experian XXXX XXXX XXXX XXXX, XXXX. 

The FCRA demands that CRAs use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. 15 U.S.C. 1681i. 

Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file. 

I Have Enclosed Exhibits Showing When Account Was Removed On XXXXAnd Once I Added Fraud Alert The XXXX XXXX XXXX Account Was Reinserted ON XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Act # XXXX, XXXX  Act # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX XXXX  XXXX # XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I got a phone call from XXXX XXXX XXXX saying I owe Wells Fargo money from XXXX  and they're attempting to collect a debt. The lady said her name was XXXX XXXX and she was very rude. I think she had a speech impediment. She was very aggressive. She already had my ss #, an old address, my new address, my phone number, and now she/they have my email. She kept threatening me with wage garnishment and freezing my bank account. I havent had Wells Fargo in like 20 years. Her unprofessionalism wad the first give away. She laughed when I told her I had an attorney and she said I couldn't pay my bills. She told me to get a job lol. She said either i settle on the phone right now or shell take me to court. I told her to email it to me. She said thats not this works and kept being aggressive with me Anyway niw she has 5 articles of my personal information and I'm worried they'll do more damage. What's my mitigation?
Product: Credit reporting

here is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed my credit report and saw an unknown medical bill on my account reporting TWICE ( XXXX XXXX XXXX XXXX XXXX  )!! I found that strange since I have medical insurance to cover all copays. Also, it's illegal to report an account twice. This is impacting my credit health
Product: Credit reporting or other personal consumer reports

XXXX has allowed DEPT OF EDUCATION/NELN to report my account 150 days late, but this account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 0 late payments being reported. I would assume it is impossible to report an account to have 7 late payments and 0 late payments with the came creditor for the same dates. With it being late on XXXX but zero late payments on XXXX. The error is illegal and unethical XXXX failed to an investigation. DEPT OF EDUCATION/NELN failed to perform an investigation. The incorrect late payments has been damaging to me. Remove incorrect accounts immediately. I called DEPT OF EDUCATION/NELN representative confirmed that the late payment was incorrect she stated it will be updated, but it has not yet been updated.
Product: Credit card

I opened a CC account with ASPIRE, this CC was offered with not annual fee on XX/XX/XXXX. I just found out that a annual Fee is being charged since XX/XX/XXXX and XXXX XXXX which I never requested ; I called them and they told me they email me about it in XXXX and I never responded back. 

I told them I did not receive any communication and that i want all my money back since I never signed for it and that CC was offered to me with no annual fee. They said they will cancel my XXXX XXXX and returned back 3 months but not the whole amount, but the annual fee they can do anything which I told them that they cant add fee when they offered no fee. 

I want to make this public and just earn anybody to applied for this card. Please, Consumer Financial, help me to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card

1. I rent a car in XXXX and pay rental by Chase Credit Card 2. Rental car company uses my Chase Credit Card to charge additional fraudulent {$250.00} 3. I dispute fraudulent {$250.00} with Chase. 
4. Chase deny my dispute and re-instate fraudulent {$250.00} charge
Product: Credit card

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiry on credit report due to fraud. XX/XX/2024 a hard inquiry was initiated on my credit profile without my knowledge or consent. This constitutes as a violation of the FCRA. Please have inquiry deleted and/or removed from consumer credit profile immediately.
Product: Debt collection

I am writing to formally file a complaint regarding the reporting of inaccurate information Here are the specific details of the inaccuracies reported by MIDLANDFUN : Account # : XXXX Account Type : Open Account Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$940.00} No. of Months ( terms ) : XXXX High Credit : {$940.00} Credit Limit : {$0.00} Past Due : {$940.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Consumer disputes this account information, Collection account Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History : | Month | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | -- -- -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | | XXXX | | | | | | | | | | | | | | | | | | | | | | | | | XXXX | | | | | | | | | | | | | | | | | | | | | | | | | XXXX | XXXX | | OK | OK | OK | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | | XXXX | XXXX | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | In addition to the inaccuracies listed above, the account was deleted and then reinserted into my credit report without proper notification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This continuous misreporting and re-insertion without notice is unjustly penalizing me. 

I kindly request the CFPB to investigate this matter and take the necessary actions to ensure that MIDLAND FUNDING DELETE these inaccuracies promptly. The ongoing errors in my credit report are unjustly penalizing me, and I seek your assistance to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Had my credit report and notice there was a collection on my credit that wasnt mine in the amount of {$5100.00}. The actual debt was {$3700.00} that was reported in the same line. Then they added a 30 day late like it was revolving credit and it says that debt was from 5 years 5 months ago. This collection is not mine and its from some collection agency thats started reported the debt like its revolving credit.
Product: Debt collection

I'm writing to let you know how disappointed I am with your recent allegations against my accounts. I firmly reject your claims on the grounds that you have not provided any supporting documentation or evidence to back up your assertions. Therefore, I implore you to begin a thorough and prompt investigation into these issues. 
The recent allegations you have made have seriously damaged my creditworthiness and placed a pall over my financial situation. To avoid any more consequences, it is critical that we respond to this matter as quickly and precisely as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sending you a legal law enforcement agency report that was filed with a federal agency to support the gravity of my identity theft allegation. I think we can have this resolved in the five days that are needed. 
I anticipate receiving a written confirmation that this disagreement letter has been received, along with a pledge to conduct a thorough and unbiased investigation into these matters. It is in everyone 's best interests to resolve this issue as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following inquiries for fraudulent and have violated right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) -TransUnion 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 XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

My Experian credit report showed a debt in collections to XXXX. I never owed XXXX money. I disputed with Experian. They removed the item from my report. But now, months later, the company XXXX XXXX XXXX ( XXXX ) provided a credit report to a potential landlord, and the report included the same debt in collections that was removed from my Experian report. It looks like XXXX got the report from XXXX. My complaint is that I dont even know who all has this incorrect collections item under my name, and I should not have to call up the furnisher and other credit bureaus to fix it. Experian, the furnisher, or both have illegally failed to propagate the results of the dispute.
Product: Mortgage

Mortgage Company : Mr. Cooper Loan Num : XXXX BK Case no : XXXX BK file date XX/XX/2018 To Whom It May Concern : Im writing this letter to complaint about my mortgage company and communication received from my lender about my homeloan. I filed XXXX XXXX bankruptcy before the foreclosure sale date what is referred to the automatic stay, Im confuse as to why my house foreclosed even do Im protected by the bankruptcy law. Im requesting that the foreclosure gets reversed. I want to stay in my house. I would like for my lender to assist me with a reasonable payment plan or loan modification. I have called my lender on various occasions and talked to different representatives regarding a solution to me defaulting on my mortgage and haven't received a real solution.
Product: Debt collection

7 days a week Comenity Bank calls over and over before XXXX and late night. 
I also have 3rd party debt collectors trying to collect on the same debt which has to be illegal
Product: Checking or savings account

after reviewing my chexsystems report I noticed I have several Bank accounts inquiries on my report that is stoping me from getting a bank account
Product: Credit reporting or other personal consumer reports

I am writing to formally report persistent issues with fraudulent items on my credit report and the failure of credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Despite my repeated efforts to resolve these issues, inaccuracies continue to be reported, which significantly impacts my creditworthiness and financial well-being. 

The specific fraudulent items on my credit report are as follows : XXXX XXXX CITICARDS XXXX XXXX XXXX XXXX XXXX Additionally, the following credit inquiries, which are not authorized and potentially fraudulent, appear on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite previously disputing these items and having some removed, they reappear on my credit report without proper notification or verification as mandated by the FCRA. The credit bureaus have failed to notify me of these reinsertions as required under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that if information is reinserted, the bureau must notify the consumer and provide relevant details.

Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies, and the bureaus are obligated to conduct a reasonable investigation and remove disputed items. The repeated insertion and reporting of these fraudulent items without proper investigation and notification violate these provisions and undermine my ability to maintain an accurate credit report. 
I request that the FTC investigate these ongoing issues and take appropriate action to ensure compliance with consumer protection laws and fair reporting standards.
Product: Debt collection

Columbia Debt recovery began garnished my wages without my knowledge on XX/XX/19. I was not served & not given a 30 day notice of this debt so I could dispute. I am now homeless and cant find a place to live because they are taking 25 % of my short term XXXX pay. I will file a civil suit against Columbia Debt Recovery and their business should be shut down due to predatory & illegal collection/judgment practices
Product: Credit reporting or other personal consumer reports

Loans were discharged a long time ago and this has not been reported to the credit bureaus. My balance is now XXXX however the credit bureaus are still showing that I have many XXXX  of debt. Some of the loan balances have not been updated since XXXX. The one that was updated in XXXX still shows incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via post mail. Experian replied to my dispute on XX/XX/XXXX with the following : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' However, Experian updated my personal information ( name - adding my full middle name that is on my drivers license ) after receiving my dispute that included a copy of my drivers license and utility bill. They can't say that they don't think it's me making the request but use in the information in my dispute to update my credit profile. This is a blatant attempt to stall my investigation and dispute request.
Product: Debt collection

This is a follow-up to previous compliant number XXXX against Credit Collection Services. The initial complaint was XX/XX/XXXX. Credit collection Services responded " the complaint did not belong to them. '' On XX/XX/XXXX I called Credit Collection Services and received a reference number of # XXXX. I informed the representative I have received no response from my previous letters. The representative proceeded to give me the file number and also said I could dispute the collection via fax to XXXX. I was not successful in my initial attempts to fax and I called back to verify the number. I successfully faxed the company 3 times on XX/XX/XXXX with the fax confirmation as proof. 

The representative also gave me the website http : //ccsnotice.com and stated my pin would be XXXX. I spoke with XXXX XXXX @ XXXX PST on XX/XX/XXXX and XXXX @ XXXX PST on XX/XX/XXXX. 

Credit Collection Services closed the file with Consumer Financial Protection Bureau just as they ignored my certified letters requesting debt validation. I am sure this is illegal. Please see my photos as proof.