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

Hello, XXXX is reporting inaccurate information on my credit report with Experian. XXXX  and XXXX  is reporting exceptional payment for my account history. XXXX is reporting with Experian negative payment history for the following accounts : date open XX/XX/XXXX, balance $ XXXX-Current was past due 150 days. The second account date open XX/XX/XXXX, balance {$7300.00} and is reporting as Current was past due 150 days. The third account date open is XX/XX/XXXX and the balance as {$2100.00} and is reporting as Current-was past due 150 days. Im requesting to have the information reported correctly with Experian as exceptional payment history. The way that the account are reporting with this credit bureau is incorrect and is hurting my credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Turned it a couple of complaints regarding issue ... bankruptcy is a chapter XXXX for farmers not a chXXXX and was dismissed without prejudice not discharged ... 

We also received papaerwork from XXXX XXXX credit report agency ... will be attached that has removed the bankruptcy from our report gathering the same information as equifax ... only difference equifax will not remove
Product: Payday loan, title loan, personal loan, or advance loan

I am submitting a formal complaint against Paypal Arbitration : I opt out of all arbitration clauses linked to my account. 
Security Interest : I rescind all security interests tied to my account.

Notice : This serves as formal notice of the above requests.

I expect these terms to be adjusted respecting my consumer rights. Please acknowledge receipt and advise on next steps.

Thank you,
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian or XXXX XXXX XXXX XXXX XXXX due to their failure to investigate and resolve inaccuracies on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

The account in question is as follows : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX : {$32000.00} Status : Charged off, with inconsistent information reported across credit bureaus. 
Issues : Despite submitting a dispute to Experian on XX/XX/year>, they have not provided adequate verification of the debt. 
The information reported is inaccurate and inconsistent. 
This issue negatively impacts my credit score and my ability to obtain credit.

I have attached copies of : My credit report ( s ) highlighting the disputed account.

Correspondence related to my dispute with Experian.
Product: Debt collection

I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.
Product: Credit reporting

XXXX put a wrongful lien on my accounts. After challenging they accepted their mistake but the negative factor still is reflected in my credit reports
Product: Checking or savings account

Reported For : ACCOUNT ABUSE ; Reported Date of Closure : XX/XX/year> Charge Off Amount : {$150.00} Closure Status : UNPAID Closure Status Date : XX/XX/year> please verify this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian and XX/XX/XXXX several times starting XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 all by certified letter to remove all NEGATIVE ITEMS OFF OF MY CREDIT REPORTS. Along with Court Ordered Documentation, both Credit Reporting Agencies REFUSE to Remove these items. XX/XX/XXXX was the ONLY Agency to Remove all Negative Items I requested. XX/XX/XXXX and Experian both told me over the phone " THEY WILL NOT REMOVE AND CAN NOT REMOVE any NEGATIVE ITEMS ''! WHY IS THAT? XX/XX/XXXX had no problems! Due to Identity theft these negative companies and fraudulent address are still on both of my credit reports. See lists below : These items need to be REMOVED! 
Address : XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XX/XX/XXXX XX/XX/XXXX CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax was called and I went thru all addresses, asked them to delete all except my current and only address, they also have a name on my credit report that doesnt belong to me ( XXXX XXXX XXXX my name is XXXX XXXX and has never been any other name. I asked to rectify and correct these things and have done so TWICE. I have received a letter from Equifax claiming I have NOT applied for credit recently, which is a lie I have applied for numerous of credit lines and have been denied because of misinformation. They say I have not lived in the US or have a social security number, also a LIE. And I havent used any credit in over 10 years.
Product: Debt collection

AFNI, Inc is reporting to my credit that my collection was paid. I never paid AFNI, Inc. I was contacted by the CEO office of XXXX  because I am currently in the Military and had an issue with my XXXX bill. They gave me a chance to pay the total amount. I had two accounts requesting for me to pay my XXXX bill. AFNI, Inc and XXXX XXXX XXXX XXXX was on my credit report requesting the same amount. After paying my amount to XXXX, XXXX XXXX XXXX XXXX deleted the collection on my account. AFNI, Inc did not.
Product: Debt collection

-- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XXXX XXXX, XXXX XXXX XXXX  Subject : Questions on your recent Bill. : XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir, Reference : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX We sold the house on XX/XX/XXXX. 

I notified XXXX  XXXX even two weeks before we sold the house. 

The new homeowner also notified you to transfer the account in their name starting on XX/XX/XXXX. 

As you very well know, you have been automatically withdrawing my gas bills directly from my bank account at XXXX XXXX. 

We have moved out of Virginia. 

My account at XXXX XXXX has been open until XXXX, XXXX. 

You have been withdrawing money from my bank account even through XXXX, XXXX. 

I just received a notice from a collection agency, " Online Information services ", asking me to pay {$72.00}. 

This amount of {$73.00} includes, I assume, late payment charges, etc, well beyond the actual bill. 

I repeat : you have been withdrawing money from my bank account well beyond XXXX, XXXX, even upto XXXX, XXXX. 

Actually, you owe me a refund because you have been withdrawing money from my bank account well beyond the XX/XX/XXXX. 

You have been committing fraud. 

I have been paying my bill for the past 28 years to XXXX XXXX promptly, and on time, because, you had my bank account, and withdrawing the owed amount promptly. 

If you really believe that I owed any money to XXXX  XXXX, you did not even have the basic decency to write me a letter. 

I tried to call you on XX/XX/XXXX XXXX Monday XXXX on your telephone number : Customer Service and Billing : XXXX ( XXXX ) You put me on an indefinite hold. 

Hence this email. 

I do hope you will respond to my email promptly after checking my account. 

I repeat : We sold the house on XX/XX/XXXX. 

I had already notified you of this sale two weeks prior to the sale, asking you to cut off the gas service on XX/XX/XXXX. 

You continued to withdraw money well beyond XX/XX/XXXX. 

Promptly refund the extra money you owe me. 

Indeed you have been double dipping : Collecting money from the home buyer and from me, even until XX/XX/XXXX. 

I expect a prompt response. 

All you have to do is to hit the reply button. 

Best Regards, XXXX XXXX cc : 1. Consumer Financial Protection Bureau 2. Federal Trade Commission
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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 Bureau 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 the ones reported These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I submitted documenetation to the company in XXXX of XXXX showing that the debt was not owed as well as I filed a claim with cfpb. The debt was removed from by credit bureau and I did not receive any further phone calls or billing statements from the XXXX XXXX XXXX until XX/XX/XXXX 2 years later. The tutition amount of XXXX was for a course that I dropped with XXXX XXXX and did not attend or sign into/or have access too. I tried to resolved the issue with XXXX in XX/XX/XXXX when I dropped the course due to my workload and unable to attend, but they would not comply and sent the amount to collections. I appealed the amount in XXXX with the orginal debit collection company and it was removed, but 2 years later I am receiving the same letters and calls multiple times. 
As of XX/XX/XXXX the sect has now changed to another agency, Williams and Fudge but I never received follow up from the previous agencies. The agency has submitted the debt as a collection to my credit report with sending me any documents or allow me to dispute the charges. I received the 1st letter in XXXX after I disputed the dent in my credit report. I have mailed and emailed a dispute letter with all of the previous correspondence to Williams & Fudge on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a house and went shopping for the lowest mortgage rates. I thought I was supposed to have 45 days to shop or at the very least 14 days without adding a bunch of hard inquiries onto my report. Every single inquiry is counting as a hard inquiry even though I did them in the allotted time and now my credit score is taking a nose dive. How are people supposed to be able to shop for the best rate if it blows up your credit in the process? Even on the CFPB website it says I should have 45 days. This is just another example of why there needs to be proper regulation over the credit boroughs. There isn't even a way to dispute the hard inquiries with the credit boroughs and ask why they weren't treated as one. I tried opening a dispute but there isn't any way to dispute hard inquiries nor is there anyone to speak to about it.
Product: Credit reporting or other personal consumer reports

( See attachments and supporting documents ) Equifax, XXXX, XXXX shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing 2 filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file
Product: Checking or savings account

On XX/XX/2023 I booked a hotel thru XXXX XXXX app when I got to the hotel I couldn't check in due to the hotels internet being down the hotel refused to refund me I disputed it with credit karma on XX/XX/2023 for not receiving the goods or services I spoke to 2 agents via live chat they told me I was to receive provisional credit on XX/XX/2023 then my account wasn't credited I spoke with an agent on XX/XX/2023 who informed me I had to wait an additional day then I would be credited it's now XX/XX/2023 and I still haven't received my money and all support can tell me now is that they will escalate it and I will receive an email in 5-7 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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  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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$570.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : XXXXXXXX XXXX  XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXXThis complaint to the CFPB is being submitted to request that Transunion, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX  - Account # XXXX XXXX  - Account # XXXX. These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade Commission.XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Reference to Florida FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am writing to formally address a serious issue regarding the unauthorized reporting of information to my credit report, which directly contravenes the Fair Credit Reporting Act ( FCRA ) as outlined in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Florida state laws concerning identity theft and fraud. 

It has come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under federal law, as detailed in the FCRA, consumer consent is a mandatory prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal mandates, Florida state law, specifically addressing identity theft and fraud, underscores the necessity of consumer consent for credit reporting. The unauthorized access and misuse of personal information are explicitly prohibited under these statutes, ensuring protection against unwarranted damage to creditworthiness. 

I assert unequivocally that I have not granted consent for CAPITAL ONE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, with potential adverse effects on my credit standing, and a clear disregard for federal and state legal requirements. 

Therefore, I demand that CAPITAL ONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Florida state laws concerning identity theft and fraud. Non-compliance within 30 days will be considered willful, subject to penalties under applicable laws. 

Compliance with these legal obligations is not discretionary but mandatory, serving to protect consumers from unauthorized and damaging credit reporting practices. This demand is non-negotiable and requires prompt attention and corrective action by CAPITAL ONE. 

I expect a timely resolution to this matter, ensuring full compliance with federal and state regulations designed to safeguard consumer rights and prevent unauthorized credit reporting. 

Thank you for your immediate attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my outrage and frustration regarding the XXXX data breach, which resulted in the unauthorized exposure of my personal information. This massive security failure is not just an inconvenienceit is a clear violation of my privacy and rights as a consumer. XXXX 's gross negligence has directly affected me, and the lack of meaningful action in the aftermath only adds insult to injury. 

I am appalled by the inadequate response from XXXX to this data breach, as well as the lack of sufficient accountability from the Consumer Financial Protection Bureau in holding XXXX accountable. Despite the severity of this breach, it appears there has been little real action to protect the consumers whose sensitive data was compromised, including myself. 

To date, I have not seen any effective measures taken by the CFPB to ensure that XXXX is properly addressing this situation, nor have I seen any evidence of significant oversight or consequence for the companys egregious failure to protect my data. The fact that my financial and personal information was allowed to be exposed is a violation of my fundamental right to privacy, and it is absolutely unacceptable that it has not been rectified to my satisfaction. 

I demand immediate action from the CFPB, including but not limited to : A detailed update on the status of the CFPBs investigation into this breach and its enforcement actions against XXXX. 
XXXX steps being taken to prevent such breaches from happening again, not only with XXXX but across the industry. 
Immediate financial remediation or compensation for those impacted by the breach, including but not limited to credit monitoring, identity theft protection, and legal remedies. 
Transparent information about how my personal data has been misused or accessed and what measures XXXX has taken to mitigate further harm. 
This situation is a clear case of corporate failure, and I am deeply disappointed in the CFPBs current lack of effective response. I expect swift and decisive action to address this violation of my rights. If no satisfactory resolution is reached, I will not hesitate to take further action, including but not limited to pursuing legal avenues and taking this matter to public forums to hold both XXXX and the CFPB accountable. 

I trust that you will take this matter seriously and act swiftly to resolve it.