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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Product: Credit reporting

I had my home inspected XX/XX/XXXX and everything was fine. I signed up with XXXX XXXX XXXX firm in order to manage my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, from XX/XX/XXXX - XX/XX/XXXX. The firm found a renter for my property beginning XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX the tenant racked up approximately {$4000.00} in maintenance repairs. I continually complained to XXXX XXXX and after speaking with the broker he decided to terminate our relationship because I informed him that I may have to contact the State Attorney General 's Office. Several things were not done, and the broker stated that I should be happy to have them take care of my home even though I paid XXXX money to complete repairs before the renter 's moved in. In addition, it was against the contract for renters to work on anything in my property. I was unable to switch to a new management firm until the sewer line was replaced. XXXX quoted me a total of {$4200.00} and I used the same contractor but was charged {$3400.00}. Currently, I have XXXX 's quote and my quote from the plumbing company in writing. I fixed the line after leaving XXXX XXXX XXXX and began working with XXXX XXXX. XXXX did not contact me regarding any bills from that point forward. XXXX XXXX billing office released all funds ( Security Deposits ) to the new management firm, so why did they place a statement on my credit report stating that I did not pay something. I do not disburse funds, they do! XXXX has my address because I do not live in XXXX, GA, and every billing statement has my P.O. Box address on it. XXXX XXXX can not use the excuse that they sent the bill to the renter 's address when they know I do not live at this address. I want this negative charge off removed from my credit report. The home is co-owned and another letter will be submitted for my mother XXXX XXXX regarding her credit report and the negative statement that XXXX has wrongly placed on our reports.
Product: Credit card

Capital one is still charging {$25.00} late fees in XX/XX/year> after the rule change capping fees at {$8.00}. They charge late fees even when you pay on time in your own time zone, but are late in theirs.
Product: Vehicle loan or lease

My mother passed 4 days after buying out her lease from Hyundai. Been attempting to receive the title from Hyundai Motor Finance XXXX XXXX, with help from the credit union that the loan is through. Its been 3 years and no title. I sent all the info that Hyundai wanted. Even have a ticket number. Was promised by XX/XX/10 the title would be faxed to the credit union. And nothing. Please help. I have know where to turn to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an alarm system installed by XXXX. I DID NOT authorize for my credit to be pulled and in no way did I authorize any relationship with Fortiva. I received a credit alert that a new credit card for {$4000.00} was placed on my credit file with a utilization of 40 percent. This WAS NOT authorized by me. I did not authorize the credit inquiry not the opening on any account in my name. 

I'm demanding that this account in its entirety be removed from my credit files an that any an all business relationships be ceased, in addition to the complete cancellation/return and refund or the security equipment provided by XXXX.
Product: Credit card or prepaid card

called to get pre-approved for a credit card for the capital one XXXX XXXX Rewards card ... and the customer service told me to apply for the secured credit card and after the first billing cycle go ahead and product change the card and if my credit is good they will do it without another hard pull ... not they are telling me i have to wait a year with the secured card before changing ... .. i called the eo and after a ''review '' they can do anything ... so im XXXX with a card with no perks at all ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final request about removing fraud account from credit report.Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX Account number XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these inquiry and personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these inquiry and personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 US 1681. 

Account Name : XXXX XXXX XXXX XXXX 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 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.

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

I have submitted multiple disputes regarding a collection account that was being reported on my credit report that I had settled in full. I have uploaded a letter that I received from the collection agency that states that the account is settled in full on multiple occasions as well. Every time the account dispute is closed without the information being updated and tha account being listed as being paid in full,
Product: Checking or savings account

What happened? Two time in a few years I found in my account with Wells Fargo Bank spendings among my spendings! It is very interesting that most of them were with the same companies and pretty close of mine as values! I talk to customer service : they were very amiable, asking to be forgotten, and immediately they returned money in my account and sent me a letter with a paper to be filled up and signed by myself that really I didnt do those spendings! This time I found a {$300.00} atm withdrawal in XX/XX/2019! Because I could access my account through my phone, I did make the habit to do it, 2-3 times weekly! This withdrawal appears just in XXXX of XXXX 2019! On XX/XX/2019 I talked to customer service! There was a man who locked out my debit card and said in 7-10 I will received another one, and the money will be returned! 
The amount remain, card was not sent, and Bank called me through a lady, who treated me like I was the thief! I showed her my proofs : 1. Because I came from my country on XXXX. The 3rd evening I was very tired and the next day I stayed in my home for rest 2. I came with a few thousands dollars from my country, the value of my retirement there, than I did not need cash 3. They did not sent another card according to their promise and the letter with papers to fill out 4. This intimidating talking with her After all these Bank Wells Fargo sent me a letter and concluded : I withdrew {$300.00} without any proof against me! I was in the XXXX XXXX Wells Fargo Bank talk again with a banker there and, than with customer service! They refused my proof and promised to send a letter in 30 days with their proof, which they did not want to tell me in our talkings!
Product: Credit reporting or other personal consumer reports

I am unable to view my credit report on transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported on XX/XX/XXXX ITEM IN DISPUTE XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy There were fraudulent charges made on this account. 
The " Account in Dispute '' remark is missing or incorrect. 

Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute XXXX : XXXX XXXX was closed in XX/XX/XXXX. Amount of {$660.00} to be removed due to incorrect/ fraudulent collections/charges. 

Dispute XXXX : XXXX XXXX XXXX is fraudulent account for Western dental was paid through government health insurance XXXX. Amount for {$490.00} to be removed due to fraudulent collection/ charges
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaints 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 items 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX on XXXX XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX on XXXX XXXX, under the account number ( XXXX ), XXXX  on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). A personal loan account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ) and a collections account opened at XXXX XXXX with a balance of $ ( XXXX ), XXXX XXXX with a balance of $ ( XXXX ), XXXX XXXX  with a balance of $ ( XXXX ), XXXX XXXX  with a balance of $ ( XXXX ), XXXX XXXX XXXX  with a balance of $ ( XXXX ), XXXX XXXX  with a balance of $ ( XXXX ) that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries, XXXX  XXXX bankruptcy appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Non-Compliance Complaint Against Equifax Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Equifaxs failure to comply with its obligations following its data breach. Despite providing the necessary documentationincluding my identification, confirmation as a victim of the Equifax data breach, and details of the adverse information resulting from the breachEquifax has not taken the required corrective action. 

Instead of blocking or removing the fraudulent accounts associated with the breach, Equifax merely updated the accounts in question. This response does not align with the protections afforded to identity theft victims, nor does it meet the standard of corrective action Equifax should take given its responsibility for the breach.

Equifaxs inaction continues to negatively impact my credit profile, and I am requesting the CFPB to intervene to ensure compliance with applicable regulations. Equifax must properly address the issue by blocking or removing the accounts that were a direct result of the data breach. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I have paid the amount in full but company stated I did not. They have failed to provide proper documents showing amount not paid in full. Did not call or email stating balance was due and now is trying to charge additional fees.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

I called each company on XX/XX/2024. 
Neither of them were able to find anything on file concerning running a credit report on me. They told me to call the credit bureau and the credit bureau would remove the inquiry. When I called the credit bureau, they told me to call the company and have them contact the credit bureau. The companies told me that they dont have any information to send to the Credit bureau and that they can not help remove the inquiry. And as you can see, all the attachments, GM financial ran A credit report one day and then the next day they ran another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and  XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed
Product: Debt collection

this company purchased this loan. this loan is not correct and is a student load .the information is not correct and needs to be deleted on all 3 credit burrows
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017  I received an alert this morning from  XXXX  and  XXXX  that my complaints agains t American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my credit score to be i mpacted.
Product: Checking or savings account

On XX/XX/2024, I tried to open a Capital One 360 checking account. I was asked to call and speak to a representative for security purposes. 

I spoke to a rep and she advised me that there were some restrictions on an account and need me to speak to another department. 

She placed me on a hold to get a rep in the other department. I was on a long hold, the resp did not come back and was asked to leave a message instead
Product: Credit reporting or other personal consumer reports

This should not have been reported. Was paid to XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXX XXXXXXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint against to TransUnion XXXX Failure to respond to my dispute and to remove the items on my credit report, with the following information in my file. I have put here below and I attached copy of the letter I send to TransUnion on XXXX/XXXX/XXXX This items you will see on pdf document i ' will upload. 

I am requesting that the items be removed because it affects my credit to correct the information. 
Enclosed all copies of the documentation I sent to TransUnion they say that what I send for proof of address was unacceptable, I sent for proof of my address a Utility Bill and Bank Statement the other letter was from XXXX XXXX XXXX I sent that letter because I was denied credit for an exercise machine I need because I have medical condition XXXX XXXX I have to XXXX do exercise to so my muscles need to be strong because my condition is it makes me weak day by day. 
I hope this document that I am sending help with dispute to erase everything that is damaging my credit history supporting my position. Please reinvestigate this matter and delete items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX XXXX, Bank XXXX, Disputed letter, FTC report and XXXX Case # : XXXX from XXXX FL
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted comprehensive documentation, including the FTC Identity Theft Report, Police Report, and a Statement with clear identifiers. These documents outlined that the XXXX XXXX XXXX account, opened on XX/XX/XXXX, with the account number XXXX, was not initiated by me but by someone else through Identity Theft. Despite compelling evidence provided by the XXXX XXXX Police Department confirming the fraudulent nature of the account, Transunion, XXXX, and XXXX have refused to remove it from my records. XXXX has already taken appropriate action by eliminating the account due to Identity Theft. 

Transunion and XXXX failed to furnish any evidence indicating my involvement in opening the account or justification for retaining it on my record. On XX/XX/XXXX, I supplemented my claim of identity theft with further evidence, including a signed document from an in-patient facility, demonstrating my incapacity to engage in any financial transactions, such as securing a car loan, during the period when the fraudulent activity occurred. Despite this, XXXX persisted in its refusal to remove the account, providing no substantive rationale. I am including a completion letter from the facility attesting to my confinement during that time, along with the police report and XXXX affidavit. 

In response to XXXX 's communication on XX/XX/XXXX, asserting the conclusion of their investigation into my identity theft claim, I maintain that their decision is erroneous. They have failed to present convincing evidence or transactions validating my involvement in the procurement of the vehicle. Their continued reluctance to remove the account and inability to provide accurate proof of my presence during the purchase necessitates my pursuit of legal action if prompt resolution is not achieved by expunging this account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, XXXX and Equifax and they still said that I was verified, but it wrong because I the open dates also the card limit