23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Program ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I RECEIVED COPY OF MY CREDIT REPORT AND FOUND THOSE NEW FRAUD INQUIRIES JUST POP UP ON MY CREDIT REPORT. 
DELETE ALL THOSE FRAUD INQUIRIES BY LAW. 

XXXX XXXX XXXX / INQUIRY DATE : XX/XX/year> XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX / INQUIRY DATE : XX/XX/year> IM A VICTIM OF IDENTITY THEFT AND PEOPLE STILL TRYING TO GET STUFF ON MY CREDIT REPORT. 
DELETE ALL THOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to have this company correct its error and reporting this account is allegedly owned by three different companies. According to the FCRA reporting of an account must be 100 % accurate, 100 % complete, 100 % verifiable. How can this be when three different companies on this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am not to be on the paperwork for this loan at all, XXXX XXXX  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with Experian and XXXX. This is against FCRA to alter the charge off date from the original charge off date over a year later.
Product: Debt collection

Amsher debt collection keeps reappearing on my credit report for collections, I have disputed this with XXXX and others and they still show as the debt exists. 
attached are both an email and print out from my account that this XXXX was paid in XXXX using my hsa card.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENFORCEMENT XXXX XXXX XXXX CHILD SUPPORT ENFORCEMENT, 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 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

There is unknown Wells Fargo credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}
Product: Credit card or prepaid card

The middle of XX/XX/2022 I contacted a company to start a home business of my own and talked to XXXX. In trying to get me funding against my wishes she contacted Upgrade, Inc, after putting me on hold. When she brought me back on the line she told me they had funded me for the {$11000.00}. I believe that was my first knowledge of the amount. It all happened so fast that I do not remember talking with the company representative or finding out what the payments were going to be or anything else. Later I would find out from reviews the company was not a reputable company and I closed my account with them. I think the computer signature to sign for my computer classes was used to sign the contract for the loan. So, now I'm in debt with Upgrade, Inc not getting what I had paid for and the company the money went to would only return {$2000.00}. Now I apparently need to pay back the rest but I did not get anything in return. Also, unbeknownst to me my payments to Upgrade are over {$400.00} a month. They did agree to 3-month lower payments for hardship reasons but now my payments are over {$500.00}. All I have is my Social Security and am unable to pay for something I did not agree to and did not get anything for. Unfortunately, when XXXX found I was closing my account they went into my email account with them and wiped out everything that had their information on it. I could come up with a way to recover this information if needed I believe. Otherwise, I have nothing left.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Transunion will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX. Account Number XXXX
Product: Debt collection

XXXX XXXX and Avante USA both have balances on my credit report for the amount of {$1400.00} XXXX XXXX  ACCOUNT was opened on XX/XX/XXXX. ( {$1400.00} ) Avante USA ACCOUNT was opneed on XX/XX/XXXX. ( {$1400.00} ) The original creditor for both 3rd party companies is XXXX XXXX XXXX XXXX. Which is a hospital located in XXXX, LA my sources tell me. I XXXX the company and 2 separate numbers came up and neither were the actual XXXX company. I have been living and working in the XXXX area since XXXX and all hospitals visits have been to the VA hospital in the XXXX region seeing that I am a veteran. These accounts were opened fraudulently! Please Assist me!!
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. The Credit Bureau must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
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, XXXXXXXX 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: Money transfer, virtual currency, or money service

I Zelle money to a friend who phone number had changed. A stranger received my Zelle In so I called Zelle were I was told Zelle couldnt help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I went XXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX MA XXXX in 2017. I have tried to pay these payments ever since and they are still showing that i still owe to the XXXX. of XXXX.
Product: Debt collection

I submitted a letter to NCA regarding three accounts ending in XXXX, XXXX, XXXX. These accounts are not mine, inaccurate and incomplete. I asked this company to validate the debt. They have not. A bill of sale which I have not received wouldn't validate they own the debt. Prove it to me by sending a Purchase agreement to show that they even own the debt.
Product: Debt collection

XXXX XXXX XXXX ( XX/XX/XXXX ) has shut down and left my treatment incomplete. Contacting XX/XX/XXXX to issue a refund because of the unsatisfactory experience I had which in turn XX/XX/XXXX did not fulfill their contractual obligations, yet, their financing partners XXXX XXXX XXXX ( XXXX ) demanded payment. I demanded they stop taking payments and informing my bank I was unaware of the bankruptcy XXXX XXXX XXXX had filed and I feared that XXXX was some type of fraudulent scheme. 
I had brought up the money back guarantee if I wasnt happy or satisfied with the results. I was told by XXXX that the original agreement with XXXX doesnt apply to what I demanded, then I get a letter from TekCollect stating if I dont pay or respond legal action will be taken. The refusal to provide information on what I demanded during my treatment and being a unsatisfied customer is contract manipulation. I, today, am still unhappy with the results from treatment from XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Details : I am filing a complaint against XXXX for continuing to report my student loan debt inaccurately despite receiving a Copy B of a 1099-C, which indicates the debt should be considered canceled and reported as paid in full.

Key Points : 1. Incorrect Reporting of Student Loan Status : I received a Copy B of a 1099-C from XXXX, indicating the cancellation of my student loan debt. Despite this, Nelnet continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ).

2. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. XXXX has failed to ensure that the information they are reporting is accurate and complete. 
15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. 
XXXX. Neglect of Consumer Rights : XXXX ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( EFTA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have has an incorrect collection account removed previously on two separate occasions. It has reappeared on my Transunion report and they failed to remove it with my last dispute. This account is an error listed from XXXX and as a single woman who raised two kids by myself, it has caused me hardship and I may never own a home despite working my entire life. They also have me listed with the last name XXXX under personal info but I have never used that last name. In addition, I would like to know if anyone has investigated this company for bias towards women.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 
15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681 ( 2 ) ( 1 )
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate account XXXX XXXX XXXX XXXX Account # XXXX : Please DELETE from Credit Report Please remove this inaccurate information from Credit Report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 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
Product: Credit card or prepaid card

This complaint goes with the first complaint that I filed against Chase on XX/XX/XXXX. Now, we have reached and are past the 90 days that Chase has to investigate this matter. I first reported this on XX/XX/XXXX. Today is XX/XX/XXXX. I've never received any conditional credits, have been charged late fees, and communication has been so very limited. I've tried reaching out several times and have wrote several secure messages. 

Chase is way past the 90 day period of investigation. 
" The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' Chase closed my account during the dispute. 
" The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I've requested documents and copies of investigation. I've received nothing. 
" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. '' My account should be credited.
Product: Credit card or prepaid card

I received a credit card statement from key bank on XXXX/XXXX/2017 for a XXXX XXXX card that was closed or supposedly closed 4,5 or 6 years ago??? I spoke with Key on XXXX/XXXX/17 at XXXX XXXX and they said that the account was closed and it was a glitch in the system, I asked them to send me an email or letter stating that the account was closed, they said they could n't or would n't do that?? they gave me a reference number that means nothing to me. I am concerned that someone may try or had used my excellent credit history!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A states I have the right to privacy The following names, Date of births, employers and addresses do not belong on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XX/XX/XXXX proper name is : XXXX XXXX XXXX correct address : is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX please remove all employers Fromm my credit report proper date of birth : XX/XX/XXXX
Product: Consumer Loan

U.S. BANK RECOVERY VIOLATED THE DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ALSO, FAILED TO CORRECT BILLING ERRORS, AND THE CAR AND WARRANTY FAILED AND FILE LEMON LAW COMPLIANTS AND ARE NOW DEMANDING A SURRENDER AGREEMENT.
Product: Checking or savings account

My discover online saving account be scam and without my authorization to process XXXX transfer funds to other banks during XX/XX/2022 to XX/XX/2022. Someone stole my information and open accounts and access discover online saving to withdraw my money. I reported to discover bank on XX/XX/2022 immediatley when I found this fradulant transactions.. They closed my account xxx XXXX and issued a new account xxx XXXX to me. Discover has filed an investigation for my disuputes, however, they send me a letter on XX/XX/2022 said XX/XX/2022 to XXXX bank ACH transaction {$10000.00} ( total are XXXX XXXX transaction {$20000.00} ) are valid, and will debt this amount on XX/XX/2022 from my account. I call XXXX bank represententive : XXXX to report Identity Theft today. She told me she can't find my account. 

Following list are transactions for dispute. 

on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$55.00}, on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$4800.00} on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$0.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022 XXXX payment to XXXX XXXX, amount {$600.00} XXXX filed a police report with sheriff : XXXX XXXX XXXX ( her email : XXXX & XXXX : XXXX ) with case number : XXXX on XX/XX/2022 since discover will reverse {$20000.00} ( on XX/XX/2022 ( XXXX XXXX Bank ). I need additional information to ask Discover to reopen this dispute. I call Discover bank today to get copies of the documents regardings their investigation. They say they don't have it.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX XXXXXX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows 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 previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

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

i tried multiple times to contact them to investigate the things on my credit report and theres alot of information thats not mine and are not reporting accuraed information which is causing alot of roadblocks for me