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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Below is the list of the fraudulent items I found on my Credit report and I need you to have these items removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please comply with the Fair Credit reporting Act section 605b, and have the disputed items removed from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

SEE CONSUMER STATEMENT ATTACHED ALONG WITH FTC IDENTITY THEFT REPORT AND IDENTITY INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with Acct # XXXX ( XXXX XXXX XXXX ) has been reporting on my Equifax report for several years now, which I have been challenging since discovering the account on my Equifax credit file. That said, it has come to my attention that Equifax is not properly investigating the legitimacy of the data reporting. In XX/XX/2022, I disputed credit acceptance with Equifax, and they then sent a letter dated XX/XX/XXXX asking for documentation to support my claim. It would have taken 7 to 10 business days from the date of the letter sent to me via mail. On XX/XX/2022, I responded with supporting documents. 

By XX/XX/2022, Equifax sent a notice to my home address stating the dispute had been closed, and without the supporting documents, Equifax requested that support my complaint. I contacted the agency on XX/XX/2022, to confirm receipt of supporting documents ; Equifax claims to have received them. When I asked the Equifax representative to help me understand how they are investigating the account, I did not get an answer at all and then put it on hold for so long that I had to call back into the agency to speak with another rep only to find out that the previous representative filed a dispute without my consent and without the support document that the dispute should have been filed with. 

PS. I had attached a supporting document from Equifax showing the timeframe from when the dispute was opened in XX/XX/2022 and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion, XXXX and XXXX to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 2. The following account is not mine XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect 09 XXXX XXXX XXXX    XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect 11 XXXXT XXXX XXXX ON Amount : XXXX Bureau Contact Date : XX/XX/2020
Product: Bank account or service

My husband deposited {$1800.00} through a Bank of America ATM on XXXX/XXXX/16. The deposit was done in cash. The ATM malfunctioned and only credited {$300.00} to our account. I have filed a claim and have gotten no where. The bank refuses to credit the missing {$1500.00} because, " the account is too new and you have n't had a large cash deposit before. '' They are refusing to escalate the issue. I have been told that the machine did not malfunction and it was insinuated that we were not being truthful.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXXXXXX XXXX XXXX XXXX XXXX  with the balance of XXXX XXXX XXXX XXXX XXXX  ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of obtaining a mortgage loan and three different companies have told me they get error reports from Equifax which has avoided me being able to move forward on the home purchase process. My home is ready and yet I can't move forward with a loan because Equifax states that there's nothing wrong with my report but no one, including myself have been able to access my report and score. I truly need help on this matter. I have been speaking to them on a daily basis since XX/XX/XXXX with no success.
Product: Credit reporting

My account with XXXX XXXX XXXX was cancelled less than 15 days of getting a telephone service from the company when I found that they company did a bait and switch in which they promised a certain fee for using their service. When I received the first bill, which I received within 15 days of signing up for the service, the bill was XXXX the promised rate. I immediately called to cancelled the service and I was advised they account was cancelled. Now this charged has being on my credit report since 2011 and is having a huge impact on my credit report. On Experian, my FICO score is a mere XXXX compare to the other XXXX agencies where my FICO is above XXXX
Product: Credit card or prepaid card

Re : CapitalOne credit card account On XX/XX/2021 I had a payment due on my Capital One Credit Card. I tried to login to CapitalOne 's website at XXXX XXXX  EST but their login systems were down. The login message stated that the login was incorrect, and they asked me for a correct Password. I tried to log in again at XXXX and XXXX XXXX  EST but received the same message. I called CapitalOne but a voice message said wait times were over 25 minutes. I could not wait on the phone. Finally at XXXX XXXX  EST I was able to successfully login and make a payment for the full balance of {$8000.00}. The deadline for credit card payments was XXXX EST. I tried to call again, and Capital One at XXXX EST but the voice message said hold times were 25 minutes. Several days later, I learned that Capital One was forcing everyone to change their password. The reason I know is because I tried logging into another account, on a different computer, and received the same message. My XXXX statement showed late fees and interest charges of {$180.00}. On XX/XX/XXXX I phoned Capital One. This time I waited almost 30 minutes. I spoke to XXXX and her Supervisor XXXX. They were very nice. XXXX was able to reverse the late fee but was unable to reverse the interest charges of {$140.00}. XXXX said she agrees with me and even encouraged me to file this complaint. To add insult to injury, Capital One charged me another {$72.00} on my XXXX bill. I am not responsible for Capital One 's Internet problems. Please research why Capital One has a policy of not refunding interest charges, even when the late payment is their fault. Please have Capital One refund all interest charges and late fees. The total for paying the bill, 2 1/2 hours after cutoff time, due to their internet problems, resulted in 2 months of interest charges and late fees totaling to {$250.00}. I always pay my bill in fill, and on time.
Product: Credit reporting or other personal consumer reports

Letter was sent requesting a debt validation on XX/XX/scrub>XXXX 
Debt Validation wasn't received So I am filing a formal complaint against First Progress for failing to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Despite my written request sent on [ Date of Request ], the company has failed to respond with any validation of the alleged debt.

Since they have not provided the required verification, I request that this debt be removed from my credit report immediately. The failure to validate means they have no legal standing to report or collect on this debt, and it is causing unjust harm to my credit profile. 

I request CFPBs intervention to ensure that First Progress complies with the law and removes this inaccurate entry from my credit report. Please provide a response regarding the actions that will be taken to resolve this matter. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian would not provide me with my REQUEST FOR Method of Verification for Account : XXXX XXXX XXXX   XXXX FL XXXX! 

I REQUEST THE FOLLOWING : ( a ) The name of the creditor ; ( b ) The persons name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the account AND EXPERIAN REFUSED
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B.

EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB.

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, there were 6 inquiries on my credit report. These were all within the span of 2 weeks for one auto loan. Before approving the inquiries I did research on how such actions would affect my credit report. I was assured by TransUnion that inquiries within a set amount of time would be considered one inquiry, provided that they were for the same loan. Instead of 1 inquiry, 6 appeared on my credit report. I was told that the inquiries might show up as 1 after my credit score was updated again, so I waited. Finally, I called TransUnion to ask why there were still 6 inquiries. The representative said that they should be considered 1 inquiry, but that to change their mistake I would need to send a letter explaining the issue as well as proof that the inquiries were for the same loan. 

I did not send proof and a letter, as I believe that this places undue burden on me for their mistake. I let the matter go since I know that inquiries only stay on credit reports for about two years, however my credit score has  just dropped significantly and I am worried that I will not be able to get a lease.
Product: Debt collection

There was a debt of {$1900.00} being reported by XXXX on my credit report it was removed in XX/XX/2016 under a company called XXXX now it is appearing back on my credit report under the name Solomon and Solomon for the same account that has already been removed. I have disputed this numerous times with the credit bureaus with no changes made. What can be done to correct this it is hurting my score. I 'm sure I 'm not the only one this has happened to. Is it legal under the FCRA.?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Greentree mortgage never offered a pre-loss mitigation trial. They just took me directly to foreclosure. Refused to negotiate with my attorney who quit on with-out my knowledge. They refused to remove forced place insurance even after i provided proof.
Product: Checking or savings account

I left Wells Fargo in XXXX and have had an account with them since before XXXX. I left them because they would charge so many overdraft fees and take money from me repeatedly that I didnt even have ( making my- {$20.00} to XXXX or even less sometimes. It made it very hard to bounce back from not having anything. Frequently, I would file a complaint get them to reverse it, but most of the time, they were denied.
Product: Credit reporting or other personal consumer reports

Fact, the truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all violations. Fact, the truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be itXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has published an account they have claimed of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance : {$1200.00} US SM BUS ADMIN ODA Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is not reporting my date of birth and not letting my company pull credit for credit cra voilation inaccurate information
Product: Credit reporting or other personal consumer reports

I am disputing a charge off on my credit report by the name Americas Car Mart Account opened in XX/XX/2020 I was listed as a co signer charge off amount XXXX dollars I did not authorize this account to be put in my name as a co signer the day the account was opened my relative was at the car lot and the salesman told her if she get list someone as a consigner her payment would be lowered she authorized the agent to run the credit report with me listed to see how much it would lower her payments and I told her to not list me as a co-signer when she got the car taken I then found out I was the co signer and the carlot refuses to remove this account from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via mail on XX/XX/2021 asking them to remove 7 hard inquiries from my credit report. I received a response to my dispute on XX/XX/2021 claiming that the disputed inquiries were factual record of file. I again reached out to Equifax on XX/XX/2021 asking the company to do an actual investigation because I was not confident that they did an actual investigation in the 1st place. With the original complaint from beginning to end was around 7 days ( sent XX/XX/XXXX, response received XX/XX/XXXX via mail for both ), which isnt enough time to actually reach out to reporting companies and get a response. I asked the company for proof of their investigation along with proof of authorization and they sent me the same letter that they sent in the beginning without any of they information requested showing proof of investigation. I am enclosing a copy of both letters along with Equifax response to both. Please contact me if you need further information
Product: Vehicle loan or lease

1990 XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXCELLENT CONDITION PAID FOR IN FULL, INSURED WITH XXXX XXXX, XXXX XXXX, XXXX XXXX, FLORIDA, UNRECOVERED, REPORTED STOLEN. NEW VEHICLE DENIED, LODGING DENIED, ALL FINANCIAL ISSUES DENIED.
Product: Credit card or prepaid card

I am involved in a dispute with the CitiCards regarding fraudulent charges that were made using my credit card on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was alerted via email about the suspicious activities by the CitiCard Fraud Department. Later, the same day, I spoke to the CitiCard Fraud Department representative, and I was made aware of three " suspicious '' purchases charged to my account on XX/XX/XXXX and XX/XX/XXXX. I informed the person to whom I spoke that neither me, my wife or my daughter ( two other authorized card holders ) made these purchases and that we did not use the card at all on the days in question. However, when I received a statement for the period of XXXX through XX/XX/XXXX, there were 27 more charges made during the period between XXXX and XX/XX/XXXX, amounting to XXXX dollars. When I disputed the charges, I was informed, via a generic letter, that the " dispute has been closed '' and that I am responsible for the charges I was not told about because and I quote " The card 's XXXX chip was used to make disputed transaction ( s ) at the chip enabled card reader. You verified that your card was in your possession at the time of the transition ( s ), so we don't consider this fraudulent activity ''.

I have made numerous phone calls and sent three emails to CitiBank Security Services that I am submitting as the attachments for your review. I have been very frustrated with the contradicting messages that I was given during my numerous attempts to resolve the problem. CitiCards admits that the purchases that they alerted me about and that they identified as fraudulent were made with the same card and with the same chip as the purchases they want me to pay for. They ignore my inquiries and refuse to explain how they reached two contradicting decisions about the purchases that were made with the same card, during the same time and in the same area. Even though the charges were made 40 miles away from my place of residence and we provided CitiBank with the evidence that none of the card holders were in this area at the time when the disputed purchases took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Adjustment Co fraud entry reported a debt on my credit bureaus stating I opened an account they bought from Personify XX/XX/2023 as to start the statue of limitations over. This has negatively impacted my mortgage loan that I was in the process of receiving. I disputed this debt with all 3 major credit bureaus as this is a violation of the FDCPA False, Deceptive or Misleading Representation as well as Fraud.