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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year> I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX Account Number : ( XXXX ) Disputed Information : there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, credit remarks, and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Copies of Driver License, social security, proof of inaccurate and letter to equifax.
Product: Credit card

I contacted Sears after reviewing my account online. On my account summary it showed XXXX separate accounts. After seeing this I contacted Sears customer services I had to repeat myself over and over again asking why I have XXXX different accounts. I informed the customer service representative that the only card is the account ending in XXXX with an expiration date XX/XX/XXXX. The customer services representative immediately said " Oh would like a new card ''. I continued asking her why I have XXXX different accounts. Finally she gave me the explanation that it was my old account. I still do not understand why that account number is still showing on my account. The customer representative asked me again if I would like a new card. I said " ok ''. The customer service representative put me on hold. She came back on the phone to confirm my mailing address. Then informed me that my new card would be sent. I woke up the next morning finding out that my credit was pulled By Citi ( which provides Sears the credit card ). I have contacted Sears/Citi. I am currently in the process of purchasing my first home. I will be going to closing on XX/XX/XXXX or XX/XX/XXXX I never said yes you can pull my credit. Citi bank contacted me today the presidential office stating that it is common practice for Citi to do this when a new card is requested to protect against fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am afraid my identity is being used to apply to jobs and etc. I would like to see my credit reports from the 3 bureaus recently or see my work history if possible
Product: Credit card or prepaid card

I disputed a transaction at XXXX XXXX XXXX XXXX dated XX/XX/XXXX  in the amount of {$1200.00}. After XXXXXXXX XXXX recommended a valve cover replacement I took the vehicle in to XXXX XXXX which determined that the valve cover had a hole which was covered with electrical tape. 

The Check Engine Light has been on ever since XXXX XXXX recommended the valve cover replacement. Because this repair resulted in damage to my vehicle and because I was not presented with a written estimate prior to it being made, California law allows for a full refund of this charge. 

I submitted all the evidence to XXXX and they denied my dispute without giving a legitimate reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and Experian letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and Experian to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX Also Experian is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also Experian is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX XXXX  Also Experian did not remove XXXX XXXX XXXX. XXXX  XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and Experian Failed to protect my consumer rights Also XXXX  did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXX XXXX  And all inquiries Which check systems is already aware of and I have already supplied documentation and FULL COMPLETE dispute
Product: Credit card

Chase currently advertises a credit card under the label " Chase Freedom Unlimited ''. The offer claims that the card user will get back 5 % in gas and groceries... 

XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX I received my Chase Freedom Card and after using it for a month , the gas and grocery stores purchases were received only a 1.5 % back, not 5 % as advertised. 

Even when I checked on my credit card agreement ( attached ), the word " gas '' is not mentioned a single time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( Account name : XXXX XXXX # XXXX ) ( Account name : XXXXXXXX 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 an 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.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted payment relief and forbearance of my federal student loans with Great Lakes due to a loss in income. The way that this was reported negatively impacted my credit score. I  contacted Great Lakes and was told that I needed to contact the Consumer Reporting Agency to have it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$800.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Revolving account Usage : 73 % Balance on XX/XX/XXXX Credit Limit {$800.00} {$1100.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - XXXX - - FCRA violations never late prove with wrong address and accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a " request for full file disclosure '' by mail using the form provided by LexisNexis over 80 days ago during the first week of XX/XX/XXXX. Including a copy of my current drivers licence ( NYS ) and a current copy of my current bank statement ( XXXX XXXX XXXX XXXX ). I received no response from LexisNexis. 
On XX/XX/XXXX I submitted a second request including the same information and required documentation to verify my identity and address. Again receiving no response until today when I received a letter dated XX/XX/XXXX. Which states " You recently requested your full file disclosure '' and " because we have not received enough information to authenticate your identity, we are unable to fulfill your request. ". Included was another of the same form previously used to submit my request. 
I believe these extreme delays and the response of LexisNexis is inappropriate and a violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 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 4 business days of you receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Transunion about XXXX student loan reporting delinquencies that were over XXXX  years old. Since XXXX, XXXX has reported my delinquent payment 90 days late from XX/XX/XXXX to XX/XX/XXXX. When the XXXX yrs approached, the delinquent reporting started to fall off one month at a time, instead of all reporting at once that were connected to my date of first delinquency. I disputed my report for not having the date of first delinquency which would show it was XXXX yrs old and lead to all late marks removed. On XX/XX/XXXX, Transunion notified me that the report was accurate based on the date of last activity verification from XXXX. I argued that XXXX had not answered my disput around completeness and accuracy for XXXX, which was now showing just XX/XX/XXXX and XXXX of XXXX. The removal of XXXX XXXX should have led to entire delinquent mark being removed. Transunion refused to act responsibly stating the could not correct it although I was correct because XXXX sent a response, albeit erroneous. I had to submit another dispute and wait another 30 days. In the meanwhile, they removed XX/XX/XXXX delinquent mark and kept the XX/XX/XXXX delinquent mark of over 120-140 days late!
Product: Debt collection

I had an eye exam with XXXX XXXX XXXX in XXXX, CA in 2017. They told me that I needed XXXX XXXX XXXX XXXX XXXX and was sent to XXXX in XXXX, CA for the XXXX XXXXXXXX. The billing department at XXXX called my husbands vision care provider XXXX XXXX  for an approval and was accepted. After I had the XXXX, I think I received a phone call from XXXX billing department telling me that the insurance did not cover the procedure. I do not agree with the balance because I was misled by XXXX and agreed with the XXXX  because they told me that the insurance company would cover most of it and I would only be responsible for the deductible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still have one fraudulent hard inquires on my frozen credit made by XXXX and no other details. 
The company jumped from " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. '' straight to " We hope this resolves your concerns. '' without any mention of resolution. Is that the work of a robot or incompetent employee? Anyways, 2 out of 3 fraudulent hard inquires on my frozen credit have been removed. The left the most vague one which is XXXX. Don't know what bank that is or how to contact them.
Product: Debt collection

Southwest Stage Funding LLC has not and refuse to send me documents of the on and off ledger for the account. I have requested numerous times per IRS Publication 583 and 12 CFR 1026.17. They have gotten a law firm involved XXXX XXXX XXXX XXXX to collect the debt which is illegal per the Constitutional Law 15 USC 1692 ( e ) which states a lawyer can not get involved in any debt collections. They have not presented me with the original promissory note or ledger on file stating that the all cap name owe them anything. A Confessed Judgement is illegal when it comes to a mortgage. Only the all caps signature is on the contract in which makes the contract an incomplete enforceable document. Southwest Stage Funding LLC is a debt collector in which clearly says we do not owe them. They will not produce the XXXX because the loan is securitized per MERS in which they no longer have it because it was sold to different shareholders. They placed my home for foreclosure knowing they are debt collectors and that it is illegal to not give me documents to support their claim. We have filed a Form W4 with the IRS to audit the account because they refuse to give us documentation. I'm in the process of suing for filing false documentation in the courthouse. I also been sent them an Estoppel by Deed to stop all transactions from my account as well as a Form 56 to revoke all rights as Trustee on my account. They committed fraud because under fiduciary obligation as the Trustee, they suppose to do what's right in which I sent a negotiable instrument for full payment and they received it and did not return it. Therefore, waiting on the IRS to audit the account so that they can pay for their wrong doings.
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 were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 my 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 in 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 XXXX, XXXXXXXX XXXX XXXXXXXX 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

I 've submitted multiple disputes to Experian in regards to collection accounts that XXXX XXXX XXXX has inserted into my credit report as credit tradelines. I provided documentation to Experian on different occasions and each time the accounts come back verified. I supplied Experian a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the XXXX Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate. 

Documentation attached.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have some items and information left that needed to be removed & blocked. This is my new attempt to dispute the items and information in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over a new FTC Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
EXPERIAN : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to REMOVE the reporting of any information or items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification. Please send me the results to the address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to cancel my Experian Credit Tracker Service for a while, which I accidentally signed for after not being able to cancel in the trial period. Its been a few months and I've been on 3 different calls where I waited over 1hr and 40 min, 2hr 10min and 1hr 30min ( have screen shots ) to talk to someone. In the last call they picked up after 1:30 of waiting, went through the questions, cancelled everything, put me on hold to complete the cancellation and somehow the call was dropped. Moreover, I've sent emails and letters to no avail. Its a waste of time and unfair criminal type practice from Experian. Something needs to be done. After reviewing the consumers reports, this is a common operation from Experian that needs to be corrected. Consumers are suffering from this while this company is stealing their hard-earned money.