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

The complaint below was filed with the CFPB on or about XXXX XXXX, XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. 
-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear CAPITAL ONE, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically XXXX. 

It has come to my immediate attention that CAPITAL ONE, XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ). 

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for CAPITAL ONE, XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that CAPITAL ONE, XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that CAPITAL ONE, XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Product: Debt collection

XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted in writing to XXXX XXXX XXXX in XX/XX/XXXX. Regarding XXXX XXXX XXXX conducted unauthorized hard credit inquiry without my consent in any form and without having my social security number for internet service that was set up in XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has emailed stating they would submit a request to Equifax to remove the credit inquiry and states process would take upto 45 days to complete As now XX/XX/XXXX nothing has been resolved. 

I contacted Equifax on numerous occasions including XX/XX/XXXX 21 min call, XX/XX/XXXX 17 min & 22min call, Representative states I need to submit a letter in writing to Equifax to open a dispute for issue i am calling regarding XXXX XXXX XXXX.With the following information : Full name, phone #, Current address, specific info disputting and two forms of verification from https : //help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address Equifax Representatives also states on several occasions we do not have enough information on file to access your file I asked on several occasions what do you mean you dont have enough information on file Considering I was able to get my Equifax credit report through XXXX? 
All the representatives spoke to keep repeating the same thing except the last agent on XX/XX/XXXX he stated i need to send two forms of acceptable verification. 

XX/XX/XXXX I sent a letter enclosed with dispute and two forms of acceptable copies of verification as stated on https : //help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address I sent in a copy of driver 's license and a copy of my Utility bill with the correct address for internet Documents were received by Equifax on XX/XX/XXXX via USPS with tracking XXXX XX/XX/XXXX 1hr, 39mins. XXXX CST I spoke to an Equifax customer service representative and an Equifax XXXX Consumer Care supervisor ( i believe her name was XXXX ) who states my document have received and reviewed. But then once again Equifax representatives states We dont have enough information on file After they have asked for my name, address, and social security number verbally over the phone which was the identical information that was presented on my Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again! 

Experian just sent me notice that my credit score was decreased again! 

I have already complained about this issue before and it was suppose to be resolved! 

Experian increased my credit score XX/XX/2020 Experian decreased my credit score by 16 points XX/XX/2020 Three months ago Experian decreased my credit score because of inactivity on my credit cards! 

I then charged {$600.00} to XXXX XXXX XXXX! Have made three payments now and there is no record of this transaction on my Credit Report with Experian! XXXX is not even listed as one of my previous creditors! 

Why Do they Keep doing this to me! 

Aren't there laws to cover this issue?
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

lease update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The bankruptcy XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. 

Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within 30 days of this letter, legal action will be initiated.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX acct # XXXX, XXXX acct # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] :
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed fraudulent accounts/ activity on my report.
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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of 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 XXXX XXXX XXXX, GA ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$59.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$76.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : ) XXXX Balance : {$84.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX FIN XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) XXXX a consumer contract with my signature on it XXXX and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Product: Credit reporting 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 account ( A ). It is not permissible to fail to validate these reporting account 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Date opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX. 

XXXX updated : XX/XX/XXXX XXXX : {$450.00} XXXX updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Debt collection

This company reported an account from XXXX on XX/XX/2017 in the amount of {$240.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to have multiple two year old hard inquiries removed from my credit. 

Equifax had the wrong DOB listed for me. I was advised to send in a copy of my Birth Certificate and DL to have that corrected. 

Secondly, Equifax advised me- any creditor has the right to run a hard inquiry on credit at any time if I do not freeze my creditor. Therefore, in XX/XX/2016 I had numerous hard inquiries on my crdit that I did NOT authorize. There are authorized inquiries in XXXX and XXXX of 2016- that should be removed. Equifax failed to remove them and after our conversation, she told me there is nothing she can do.
Product: Debt collection

It is my understanding that XXXX XXXX purchased account XXXX from Regions Bank on XX/XX/XXXX. They were awarded a judgment against me XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I have found that Regions has a binding arbitration agreement. XXXX XXXX has committed breach of contract and unfair and deceptive debt practices. Also the date of this loan is XX/XX/XXXX. It is well beyond the statute of limitations for debt collection. Also, I was never served. My mother was harassed, and my credit was pulled without my permission. I have went to Regions Bank to verify the exact date the account was closed, charged off, and the date the last payment was made but received zero help. I do believe a lien was placed on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX are not my accounts they insist on keeping it on my credit report. please delete
Product: Debt collection

This is XXXX XXXX XXXX and I live at XXXX fm XXXX XXXX XXXX, XXXX, XXXX United States. Please fix the below list of accounts. 
XXXX XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX XXXX XXXX - - XXXX - Incorrect Balance Being Reported XXXX XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX XXXX XXXX - - XXXX - Incorrect Balance Being Reported XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX XXXX XXXX - - XXXX - Incorrect Balance Being Reported XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX  XXXX - - XXXX - I do not believe my account was late on the date you are
Product: Checking or savings account

you close my case and that is not fair, where can we go for the solution bank look only looking at their benefit. 


We 100 % disagree with your decision. Everything is happening on account of your negligence. 
- When the new ip login happened you did not inform us. You did not take any communication as I am the 1st Account holder. 
- You did not watch my payment history I never paid Big amount to third party We are using only XXXX XXXX, according to the document you sent there was a ip address that access XXXX account the account where the payment went from, XXXX if you track the ip address you can clearly see its from XXXX and its from XXXX where our ip address is from XXXX XXXX Two different companies. How can you say I did this when I am showing you proof there was a different login from a different place. 
- You clearly didnt look into this properly and it is your mistake 100 %. 
We have been doing online banking with XXXX, XXXX XXXX and XXXX bank for the last 10 years. We have very good knowledge to do online banking and we never get any fraud problems. 
Your banking system has a fault so a third person comes into my account and you release payment. I have been holding a steady balance for a longtime and you did not look at the payment style of holding balance and release {$6600.00}? 
- When I went to file a police complaint other people are also losing big money, I found that and they are coming to file a police complaint What is your action against the fraud person still you did not give us a perfect name and address of the person- Did you file a complaint to the internet crime complaint center to recover my money? If yes, give me the supporting documents. 
- Did you file a complaint to the federal bureau of investigation to recover the money? If yes, please give me the supporting documents. 
Please mention your steps and action with the fraud person and communication with any government or police department. 
I dont see any action from your end, you just negligence and took a decision in your bank 's favor. How will we live without money? 
I submitted all supporting documents, Filed police report, did the affidavit etc.. 
You can not close the case until I get my money. You are the organization and have power to fight fraud people - you closing the case means that you are inspiring the scammer to do more and more fraud again and middle class families like us are losing their hardworking saved money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from XXXX data breach in 2017 where my information was compromised.
Product: Checking or savings account

Chase bank would not accept payment by credit or debit card for an overdrafted checking account, and refused to close the account until money was either sent or transferred. Meanwhile, negative debt was accruing due to fees, so the amount of money transferred was never enough due to accrueing debt from vendors mistakenly trying to debit the account despite being told not not, and chases own penalties for negative accounts. I have been trying to close this account for a month. Chase told me to go to a branch ( I have moved to a state with no chase branches ), or to transfer extra money which they will refund later. Neither is acceptable. I have credit and debit cards and money and wish to close my account but they refuse to accept payment.
Product: Credit reporting

I have contacted Experian via telephone which has cost me a lot of expensive cellular minutes referenced to their decision to change information on an old debt that supposed to be remove on XXXX, XXXX due to the XXXX years statue of limitations. 
But, Experian is refusing to comply with my request with reference to XXXX XXXX XXXX, XXXX. Partial Account number XXXX. The dispute account had a date of removal of XXXX XXXX. But, Experian decided NOT TO MENTION this date anymore!! 
On report number XXXX, Experian FAILED to mention when this XXXX years old dispute account will be remove. 
According to the credit report rules, old dispute accounts have to show a DATE OF REMOVAL. 
Experian is not complying with the mandatory rules of posting accurate information about the removal of old dispute accounts, which is not beneficial to my credit report files. Very unfair indeed!!