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

In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for account XXXX XXXX 

15 US 1681 Section 602 states I have the right to privacy.

( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letter on XX/XX/XXXX and I file a complaint to the CFPB on XX/XX/XXXX because i didn't get any results back from the 3 bureaus in the 45 days they have to reply. When i sent out the complaint they said that it was a third party and wasn't me that sent out the complaint and for that they wouldn't do anything about the inaccuracies on my credit report. I feel like i'm being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Equifax and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax and XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I wrote BofA check number XXXX ( {$1700.00} ) to XXXX XXXX   for a mortgage payment in XX/XX/XXXX. XXXX did not credit my account. Upon review of check that was submitted for payment, the pay to name had been changed ( check fraud occurred ).  XXXX asked that BofA submit a claim to XXXX. BofA sent me a check fraud claim form in XX/XX/XXXX. I filled out this form, got it notarized and submitted to BofA, per BofA instructions. 
BofA received this on XX/XX/XXXX per USPS tracking for the response I sent. 
In Late XX/XX/XXXX, I got a letter from XXXX indicating they had stopped investigating this claim because they never received the notarized claim from BofA. I have called BofA numerous times and they still can not confirm that they sent my claim to XXXX. 
I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I  spoke to an XXXX at XXXX and XXXX. Each time, they said they had to talk to people in the back office to find out what was happening. To date, no one can tell me what BofA has done with my claim. 
Ive attached the USPS tracking form that shows delivery to BofA on XX/XX/XXXX and a copy of my notarized claim that I also emailed to BofA 2-3 weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

For past few months, all 3 credit bureaus have been subtracting points and give no reason, other than a generic message for all. I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. I pay off loans, leases and CC balances and lose points. Points have just randomly been taken. My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these account or if this account even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, XXXX  and Equifax on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting re-investigations into the accuracy of the account, XXXX XXXX XXXX XXXX. The credit bureaus did not verify the accuracy of the account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. When you look at the reports that I have included in this complaint, you will see that Equifax is reporting that I have I was 90 days late in XXXX but XXXX  is reporting that I was 120 days late in XXXX ; XXXX  is reporting that I was " OK '' in XX/XX/XXXX, but Equifax reports that I was 120 days past due in XXXX XXXX. XXXX  is reporting that I was 30 days late in XXXX all through XX/XX/XXXX. If I have requested multiple investigations in the accuracy of this account, how come these bureaus are reporting three different payment histories, along with different high balance amounts? I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you're unable to verify this, Please have this collections deleted off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to equifax concerning unauthorized inquires on my credit report. I also reached out to the creditors that has pulled my credit without my authorization and they were not able to give me any information nor did they have anything in there system regarding a credit application. All the inquiries listed below are unauthorized and need to be removed immediately! I take my credit seriously and I do not want to seek legal assistance but if this is not resolved I will be forced to seek legal representation. 

XX/XX/2020 XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX, XX/XX/XXXXXXXX XX/XX/2020 XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX XX/XX/2020 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX BROKE THE LAW! On XX/XX/XXXX I submitted a complaint through the CFPB about being denied my consumer report. At which time, I expressly requested My " Complete '' Consumer Report AND FILE. I did not request a portion of my consumer report and file nor even mention anything whatsoever having to do with specific " account names '', " numbers '' or any " disputes ''. I was simply trying to get access MY INFORMATION they have stored. Although my initial failed attempts to access MY INFORMATION could've possibly been passed off as computer error, their response to my CFPB complaint issued on XX/XX/XXXX CAN NOT and I have uploaded that response here as an exhibit to the fact. SO, THIS COMPLAINT CONTAINS XXXX ADDITIONAL VIOLATIONS OF FEDERAL LAW! Equifax broke the law by denying to provide ALL of the information in my Consumer Report AND FILE as I requested and thus closing the matter. 
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit report information on payment. Payment balance was paid in full. 

XXXXXXXX XXXX XXXX  Account # XXXX Payment of {$1400.00} was paid in full on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made SEVERAL attempts to get this cleared up with Equifax but due to the EXTREME difficulty with naivigating though there phone system, it is nearly IMPOSSBLE! Today I received notice that my score dropped 33 points for an account balance that has been settled months ago. The account was settled and there is not balance owing. This is now my 3rd time attempting to make efforts to explain to them that the debt has been paid!
Product: Credit reporting or other personal consumer reports

My information on your record is incorrect, you have my SSN number as XXXX and it's not that number. Also my surname is mispelled.
Product: Debt collection

Kohl 's Capone {$630.00} XX/XX/2016 7 years and 3 months. They also continue to report to all three credit bureaus even though it's past 7 years old! I've repeatedly written letters to credit bureaus. This is a charge off
Product: Debt collection

I previously disputed this debt as I was provided with my medical bill but not my signed hipaa release of information. The company stated they had proper authorization. The next day they reported the same debt on my credit report as a duplicate causing my credit score to drop drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to each credit bureau Equifax, XXXX and a XXXX regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX  was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX  back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXXXXXX XXXX, Equifax, XXXX and XXXX liable for punitive charges. Also, I would like for XXXX XXXXXXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.
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. 


and list of Inquiries. 

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 XXXX 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 received a letter stating that I was late on a payment from XXXX around XX/XX/XXXX. I didn't know what it was as I didn't have any open accounts with XXXX so I sent a letter to them asking them to verify the account in writing in which I never heard from XXXX. I thought it was a mistake. Then in XX/XX/XXXX, I got an alert from my credit bureaus that XXXX said I was 30 days late XX/XX/XXXX. I then tried calling XXXX and was told that there was a mistake on how the account was closed so there was a {$25.00} fee added to the account. XXXX closed this account long before I was done with the payments and I only found that out through my credit report. The account has ALWAYS been in good standings up until they added this 30 day late on a closed account. I wasn't banking with XXXX either so I would have no way of knowing about any fees accessed. There was no notification of any fees due. The XXXX rep stated that she fixed the account and any fees were taken off and that she had properly closed the account on her end. I asked her about the 30 day late and she stated I would have to dispute the account. After talking to several XXXX representatives, I finally got one that stated I should not have receive a 30 day late and that she was disputing the late to have it removed from all 3 credit bureaus. After it was removed, then I get another alert that a 30 day late had been added again to this account for XXXX XXXX. There were no issues with this account until they made an error on this CLOSED account and added this 30 day late in XX/XX/XXXX. Now all of a sudden I'm late in XX/XX/XXXX. I was NOT late in XXXX XXXX. I spoke with another XXXX rep on today and he stated that it LOOKS like I was late in XX/XX/XXXX by making half a payment on one day then half a payment on another day. This is TOTAL XXXX from XXXX. I'm not sure why they are purposely trying to mess up my credit, other than not wanting to except they were wrong in the first place to give me a 30 day late in XX/XX/XXXX when I was not late. I feel that XXXX is purposely trying to punish me because I fought this mistake they made. How can I go with no lates with this account since XX/XX/XXXX, and now all of a sudden lates are coming from everywhere on a closed account. This is not fair or ethical for a business to do. The credit bureaus also are not investigating this matter, they are excepting whatever XXXX says and reporting it. Now XXXX is showing that the account was closed XX/XX/XXXX, when it was closed years before. If XXXX had answered my request of verification when I first asked for this in writing, none of this would be happening. Although they claim their was an issue on their end with the closing of this account, I don't see how that's possible when they closed it, as I had no access to it anymore and it was updated on my credit report as closed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get access to my Transunion account, even after speaking to multiple customer service agents and a supervisor. They keep saying their is fraud, which I know, because I put a man in prison for stealing my identity. Every time I try to talk to the correct person, they either hangup, or just put me back into the same customer service queue.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial put an inquiry on my XXXX consumer report when I did ask them to check my credit.
Product: Bank account or service

TD Bank has been locking me out of my savings and checking accounts if I do n't complete a transaction at least every 6 months. They claim the are protecting me by assigning the account an " inactive '' status. THEN, in order to get it activated, I have to call their XXXX number and fight with them to prove my identity. NO personal data, PIN, or ATM card number is sufficient ( SSN, DOB, account number, nor are ATM transactions, past checks, or other evidence acceptable ). ONLY an electronic debit of some sort is acceptable to prove my identity, OR a trip to a bank branch and a wait for a bank officer. Since I can not log in, I can not obtain that information, which, by definition has to be more than 6 months old Even though I get printed statements, they 're often buried in boxes, and finding the particular type of information -- if it even exists -- is darn near impossible. Their phone staff is adamant, however, including their Supervisors. Going to a branch is sometimes impossible if I am traveling in a city where they have no branch services. I have quite a few accounts with TD Bank, and in some, a fair amount of funds on reserve. Are they allowed to deny me all access to my funds because I have not used an account for 6 months plus 1 day? That seems illegal. Other banks that I do business with use a 1-year inactivity threshold, AND they are more reasonable and realistic and professional when dealing with them. I am an older person, and using my accounts less and less, so I think TD Bank is preying on older Americans for whom in-person banking can be a tremendous challenge.
Product: Debt collection

The original account was with XXXX XXXX credit card and was sent to collections in early XX/XX/2016. Midland funding LLC reporting the account in collections on XX/XX/16. For the last several months they have reported me as 30 days late. This account is in collections and should not be reported as a missed payment every month. Can you please help
Product: Credit reporting or other personal consumer reports

XX/XX/year>, XX/XX/year>, XX/XX/year> XXXX Credit card I signed up for credit protection when I got my card. The above dates, I was charged a premium for this service. They cancelled this service without my consent. I had filed a claim due to unemployment but it was denied. They stated that I didn't have credit protection on my account. See attached statement where I was charged a premium for the service. Then they closed my account and reported negative information to the major credit reporting agencies. This account should have been paid off through the credit protection benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from Comenity Capital /IDD . I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. 

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with XXXX on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.
Product: Payday loan, title loan, or personal loan

I wan na make sure my interest rate is fair and on the legal line. 
Because i feel like my interest rates is very high