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

I have contacted Equifax numerous of times in regards to 13 inquiries on my report that I did not authorize. Equifax is reporting all of these inquiries and then are telling me that they are a statement of fact when they are not! They need to delete this information off of my report  before I'm forced to take things further with legal actions. That should not be how they do business by telling a customer that unauthorized and inaccurate inquiries are a statement of fact. It needs to be deleted! Creditor names and dates of the inquires are as followed : XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019
Product: Credit reporting or other personal consumer reports

Im an identity theft victim, and Experian is illegally keeping fraudulent XXXX XXXX accounts on my credit report despite my submitting a valid Identity Theft Report ( police report + IdentityTheft.gov affidavit ). FCRA Section 605B requires removal within 4 business days, but Experian ignored this. Two fake accounts remain : XXXX XXXX, reported XXXXpaid but not removed as fraud. 
XXXX XXXX ( XXXX XXXX collection ), reported XXXXpure fraud I never opened. 
Ive never had a XXXX account, and their timelines dont even make sense. 
These accounts are impossibleIve never opened a XXXX accountand their conflicting timelines ( e.g., multiple simultaneous wireless accounts ) scream identity theft. 
Plus, old addresses tied to theftlike XXXX XXXX XXXX XXXX, XXXX, NY ( I was between 3 and 6 ) are still linked, with collections from XXXX when I was XXXX XXXX XXXX. I sent my Identity Theft Report and proof of identity earlier, but Experian refused to act, dropping my score XXXX points while my credit report was locked and risking my home purchase. 

Inquiries : XXXX XXXX ( XX/XX/XXXX ) No consent, no application. 
XXXX XXXX ( XX/XX/XXXX ) Same, duplicate abuse. 
XXXX XXXX XXXX ( XX/XX/XXXX ) No consent, tied to XXXX XXXX . 
XXXX XXXX XXXX ( XX/XX/XXXX ) No consent, unauthorized. 
XXXX XXXX ( XX/XX/XXXX ) No consent, tied to XXXX XXXX  . 
Context : I unlocked my freeze for XXXX only ( one pull expected ) these four are illegal extras and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon noticing that an account XXXX acct # XXXX was being erroneously reported as derogatory, I contacted all three credit bureaus. I also sent letters and emails to XXXX 
Since this derogatory account could not be validated or verified, XXXX  and XXXX  deleted said account. However, Transunion has refused to do so despite not having proof of validation and being unable to provide validation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX IN XX/XX/year>
Product: Credit reporting or other personal consumer reports

The information on my credit report from Attorney General Child Support Office is incorrect. This case was settled in court 2 months ago. The case against me was dropped and closed upon agreement with the other party and court.
Product: Debt collection

Dovenmuehle/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and Dovenmuehle and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), Dovenmuehle and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute hard inquiries that appear on my credit report, which I firmly believe are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is claiming a debt that is not owed ; this occurred in their error. 
I have 2 accounts under the same address and name with one paid in full and one made in error from a XXXX representative. This has caused a huge impact on my daily living right now. I have spoken with XXXX and this is what they have supplied to me XXXX request XXXX This code is what a new representative made ; asking his supervisor to dispute this account.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX OPORTUN/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Opt-Out Request for Account Number : XXXX Dear OPORTUN/XXXX  I am writing to exercise my right to opt-out of information sharing as stipulated under various federal privacy laws, including but not limited to 15 U.S.C. 6805, 15 U.S.C. 1681b, 16 C.F.R. 313, 16 C.F.R. 313.7, 15 U.S.C. 6802, and the Privacy Act of 1974. 
Per the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of any or all authorizations I, the consumer, may have previously granted, whether written, unwritten, verbal, or non-verbal, under 15 U.S.C. 6802. This includes any permissions for sharing my personal and financial information with third parties. 
Please ensure that my personal and financial information is not shared beyond what is required for maintaining or servicing my account, and confirm in writing the acknowledgment of my opt-out preference. 
Thank you for your prompt attention to this matter and for respecting my privacy and rights as a consumer. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses are undeliverable to me by the US postal service and needs to be deleted from my credit file immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX On ( XX/XX/XXXX, and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Please delete these accounts. 

Please see my reasons for dispute below : I have disputed this account on ( XX/XX/XXXX, and XX/XX/XXXX ) Section 605B states that if this account is the result of identity theft and have submitted the police report I filed, this account it should not be on my credit report, and I need you to remove it immediately. 
I also believe this is reporting inaccurately, please verify this information is correct. 

Please see my reasons for dispute below : 1. Collection Account : XXXX XXXX Account # XXXX Each credit bureau is reporting different information regarding this account. XXXX is stating the and XXXX is stating the date of last activity is XX/XX/XXXX and Experian is stating the date of last activity is XX/XX/XXXX. Please delete this account from my credit report due to inaccurate information. 

2. Collection Account : XXXX XXXX XXXX Account # XXXX Please investigate if every piece of information is correct related to this account. If not, please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( EQUIFAX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This discrepancy and the reinsertion of the deleted item without proper notification are violations of the FCRA. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which constitutes a further violation of my rights under the FCRA. 
Creditor : XXXX XXXX XXXXXXXX
Product: Credit reporting 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 USC 1681 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

In XXXX I found a rental ad in the XXXX XXXX XXXX  XXXX rental section and began emailing the " property manager '', XXXX XXXX. I filled out a rental application, signed a lease to start XX/XX/XXXX, and on XX/XX/2021, sent {$2900.00} via XXXX transfer to the " landlord '' XXXX XXXX for first month 's rent and security deposit. I had a meeting XX/XX/XXXX with XXXX to view the property since I was moving to XXXX XXXX XXXX  from XXXX and could not view it beforehand. She never showed up, and a day later emailed back saying she was out of town and we could reschedule. There were no further emails from her after this point, no lease started XX/XX/XXXX, and I had to scramble to find a new place to live. I am now scammed out of {$2900.00} and can't pay rent. This is an authorized push payment fraud and I called and did a claim with Bank of America, my bank. They took down basic details of the situation and said they would contact me so I could submit further documents for the claim. I had a XXXX XXXX XXXX crimes police report, a XXXX XXXXXXXX Attorney 's report, a XXXX complaint filed, AND a federal trade commission report at this time to back up my claim. However, just this past week an entire MONTH later I receive a letter in the mail saying " research complete '' and the claim is denied. They never even got my documents to support my claim, how can research be complete?? I reached out to Bank of America again to appeal but they said all they could do was have someone from claims or social support call me. I gave them my information a few days ago and as of XX/XX/2021 haven't heard back. It's been a month and a half, I was scammed, my bank was supposed to protect me, and now I can't pay rent. This claims process is a joke.
Product: Student loan

I have been struggling to contact Mohela and get my loans updated. They incorrectly set my loan to repayment XX/XX/XXXX even though I had full time enrollment until the end of XXXX and should have all my loans on deferment since I have a six month grace period until XX/XX/year>. In the meantime I have been getting weekly emails from Mohela saying I'm past due. I have been placed on hold for hours at a time ( screenshots attached ) and have been provided irrelevant information ( screenshots attached ). Please find the attached outline.
Product: Debt collection

This account is involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person Im a living human being. I have alienable rights under 15 USC 1681 those unalienable rights have been violated multiple times and now Im being discriminated against for false or misleading credit reporting. As the creditor and the secured party I DEMAND these account immediately.. I have the right to privacy, and I did not give written consent to Equifax to furnish these accounts or any other credit reporting bureaus. Id appreciate if you guys would make sure you do your jobs as trustees and get this taken care of immediately and get my score were it should be as a creditor and secured party!. 

By : XXXX XXXX XXXX XXXX  ALL RIGHTS RESERVED Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I appreciate your time and effort as I know this is a big list
Product: Checking or savings account

Wells Fargo has put a hard hold on my 4 accounts and will not give me my money in the accounts. There has been no reason as they have decided to do this and will not tell me why.
Product: Money transfer, virtual currency, or money service

I did a wire transfer on XX/XX/XXXX of {$15000.00} from my Wellsfargo bank account to a XXXX XXXX XXXX recipient. The account and counting number was accurate however the beneficiary name used in the transfer was XXXX XXXX ( Business Owner ) instead of XXXX  XXXX ( Business name ). I reached out to Wellsfargo to make the amendments on XX/XX/XXXX. I was told it will be done and the recipient will get the Money by XX/XX/XXXX. I called XX/XX/XXXX to open a case and requested a refund Claim # XXXX, I was told it will take XXXX working days. I called on XX/XX/XXXX and XX/XX/XXXX and was told it would take XXXX business days which was a different information. I said okay. XXXX working days was XX/XX/XXXX. I Called again - still no update I was told it was assigned to someone XX/XX/XXXX and no update. I walked into the branch on XX/XX/XXXX still no update. My wire transfer fee of {$25.00} was refunded XX/XX/XXXX but my {$15000.00} was not refunded. I called again XX/XX/XXXX and was told they are busy and do not need to look into the file until its the XXXX working day which to the representative started counting on XX/XX/XXXX when he received the file not when I opened the case. I said okay so where is my money? he said they need to investigate, I said what have you been doing since I opened the case? he said hes been busy, today XX/XX/XXXX I Finally got an official communication telling me they do not have an update and they need time to investigate I should give them another XXXX business days which will be XX/XX/XXXX. This delay has cost me loss in my business, emotional stress and discriminated against because I am XXXX. I would like to hold Wellsfargo accountable.
Product: Debt collection

XXXX XXXX XXXX XXXX sold a fradulent account to keynote consultant 2 years ago. I contested the fradulent account through XXXX XXXX XXXX XXXX and keynote consultant and they both agreed to remove the fradulent account from my credit file. The collection account was removed from my account and keynote consultant retaliated against me and sold the account to a collection lawyer by the name of XXXX XXXX XXXX. 
I feel that these are illegal practices and they retsliateed against me because I filed a complaint about their deceptive practices. 
This make no sence that they would remove this fraudulent account t and then try and sue me. Your record will show that they agreed along with XXXX in XXXX to remove this fradulent account from my files then they came back illegally and sued me thats retaliation and illegal practices
Product: Debt collection

I have been contacted on XXXX occassions from people claiming to be from commonwealth with a lawyer named XXXX XXXX threatening to sue me if i do not pay him within 72 hours. I was also told I would have to pay {$5000.00} in fines and court fees and that a uniformed officer will be coming to my home. XXXX also threatened me saying " dont worry maam Ill see you ''. He refuses to give any additional information. I explained to him that I paid the card off and have proof of it and I was willing to forward it to him, to which he replied he didnt care and that I am lying and it wasnt paid and I need to pay him. He is threatening and rude and hangs up.
Product: Debt collection

I have sent several certified letters asking for validation of this debt that they say i owe. Proof of a signed contract for this debt. Instead of sending my request, i received a summons to small claims court.