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

This item was disputed by the credit bureaus in XX/XX/2017 and was deleted off of Equifax. In XX/XX/XXXX the item was added back on my Equifax report along with several other items that was deleted off the report. Those items include XXXX XXXX, XXXX XXXX and XXXX XXXX. Both of these items were removed and deleted but failed to reach out to me and supply me with a letter advising that the item would be reinserted back within 5 days. 
I have reached out to Equifax because they failed to advise me in writing within 5 days of inserting the items back on my report. When contacting Equifax by phone as well as letter they have failed to provide me with validation and anything to advise me that these accounts were being reinserted back on my credit report. I was told by Equifax that they dont care if it was already deleted that they can reinsert anything they wish. This is incorrect and against the FCRA. I was supposed to recieve a letter advising that Equifax was going to reinsert information back on my report and I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Product: Credit card or prepaid card

Regions does Not provide me ACCESS for my profound. XXXX and XXXX XXXX XXXX. see attatched XX/XX/XXXX letter. Regions requires an IDENINITY Theft Kit on line Or go into a branch office to fill out. I CAN NOT WRITE OR SIGN. REGIONS PROVIDES NO ON LINE MOBILE APP ACCESS because I am XXXX. I AM IN A XXXX  XXXX  DRS ORDERS XXXX. I HAVE REPORTED ID THEFT WITH FTC case XXXX XX/XX/XXXX following the FTC. gov web and the ID THEFT. gov web AUTHORITIES GUIDELINES. Regions requires coming to branch or go on line for ADDITIONAL REQUIREMENTS NOT REQUIRED BY AUTHORITIES. Regions is Not ADA ACCESSIBLE. AS my ID Theft Report EXPLAINS XX/XX/XXXX.
Product: Debt collection

Diversified Consultants INC. has added a collection file to my credit report for a XXXX bill that I do not own I have never had XXXX  and i have contacted XXXX  before and explained this to them. They must have the wrong XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive come across multiple errors on my credit report that need to be fixed right away. These inaccuracies, which I strongly suspect may be the result of a data breach, are unfairly damaging my financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Even after numerous disputes, supporting documents, and follow-ups, nothing has been corrected. Its beyond frustrating to see the same mistakes persist despite my efforts to have them removed. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate credit report. Im demanding that these errors be properly investigated and corrected immediately. If they can not be verified with solid evidence, they must be removed without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

We are in the process of selling our home, and buying a new one. 

Originally Freedom Mortgage told us about the Covid Forbearance. They said it would not effect us trying to move or sell. I called repeatedly on this topic with them. I had talked to multiple people. They even told me I could stop paying my mortgage. It didn't matter that I was selling my home. The price we owes would just come off the pay off amount at closing. 

Come to find out, none of that was true. I have called repeatedly to fix this problem. We are trying to close on our home XX/XX/XXXX. 

No one will help me resolve the forbearance issue. They keep telling me it will take a couple months. It is not big deal. I can sell my home and buy my new one. My lender is telling me that Freedom Mortgage are lying or don't know the process. We can not have forbearance on our credit report in order to buy or sell a home. It will still say in forbearance on the report. The will forbid us from going further.
Product: Credit card or prepaid card

Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!
Product: Checking or savings account

XX/XX/2023 XXXX. {$120.00} XXXX. {$200.00} XXXX. XX/XX/XXXX - {$100.00} XXXX. {$100.00} XXXX. {$120.00} XXXX. XX/XX/XXXX - {$120.00} XXXX. {$120.00} XXXX. {$200.00} XXXX. {$200.00} XXXX. {$100.00} XXXX. {$100.00} Total- {$1500.00} I filed 2 claims which were the same incident just multiple occasions in a row and I it was also double charged on some of the above. This took place at the same business and same atms by I'm guessing the same person. The bank awarded me 1 claim which was the smallest of the 2 and denied my other but both were on the same dates and same place so my question was how would you agree with me on 1 claim and not the other.? I never received an answer from that institution they just continued to close down my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX of XXXX I submitted multiple letters to XXXX, XXXX and Equifax to XXXX investigate and show me proof and validation of the items reporting on their Credit reports with my identity. To this day, nothing has been furnished or provided to me with proof of debts and amounts they illegal report to the world, when I apply for credit which is negatively impacting my personal life. Here is sample of the letter : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX -please delete and remove this account from your XXXX XXXX XXXX XXXX please delete and remove this account from your report XXXX XXXX XXXX XXXX please delete and remove this account from your report-XXXXXXXX XXXX XXXX XXXX  please delete and remove this account from your report - XXXX XXXX XXXX XXXX please delete and remove this account from your report- XXXX XXXX XXXX, Inc- please delete and remove this account from your report- XXXX XXXX XXXX bank card services- please delete and remove this account from your report- 8787 Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate, XXXX identical bills both they see being reported differently, See if the retards at equifax can figure it out Equifax and XXXX According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on credit report. 

XXXX. XXXX XXXX XXXX  {$5600.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report I was surprised to know I am a victim of identity theft and Social Security data breach and I found numerous accounts on my credit report that was not open by me also 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 XXXXXXXX XXXX XXXX XXXX and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 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 and also according to 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. And 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 or other personal consumer reports

Upon examine my credit report, I identified an unfamiliar account ( TSI XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific to this account. Regrettably, TSI has neglected to respond to my letter that was received on XX/XX/2024. They have failed to respond within the 30 days per the FCRA. Clearly this company lacks the substantial evidence required to link me to this alleged debt. This constitutes a breach of my rights, and it is imperative that this account be promptly removed. I have attached the documentation sent and the proof of delivery.
Product: Mortgage

After being solicited by XXXX of their bankers, I applied for a mortgage refinance loan to refinance an existing mortgage I had at their bank. The refinance loan was approved, but after the rate came back higher than I wanted, we added my wife 's information in the hopes of getting a better rate. After being told we would get called back with the results, we waited two days receiving no calls before physically going back into the branch. Once there, we were told they were working on a rate exception ( despite them telling us it was a sure thing at the time my wife 's information was added ), and would call us back on Monday. They did not call back on Monday, and on Tuesday I called to get the status and asked to have our application handled by a different branch location. We are currently waiting to hear back from the district manager concerning this request. No one at the bank seems willing to help us despite being a long-time existing customer and after having been actively solicited by their banker for this product.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Discharged Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit.

Credit history is reporting that it is only 3.5 years old. However, I have accounts such as XXXX XXXX that reports an open account for 6.25 years and 4 years.
Product: Credit reporting or other personal consumer reports

The unfamiliar credit inquiries on my report are really concerning, as I do no remember applying to these companies and I am fully aware of it, I did not give them permission nor consent in accessing my information. This is causing me a lot of stress and XXXX
Product: Credit reporting or other personal consumer reports

I submit this request so that you reinvestigate these disputed Accounts from my credit reports as well as fix these Accounts from my reports during the investigation period. As of this date, you have failed to respond to my request. These are the accounts that needed FOR UPDATE XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

ELAN FINANCIAL  Inquiry : XX/XX/2023 This account is a hard inquiry on my credit, and I never filled out for this. I called in try to explain to them that I never filled out for anything. They said they didnt even see me in their system.
Product: Checking or savings account

I was notified on XX/XX/XXXX that I was the victim of identity theft and that my Chase bank accounts could be compromised. I notified Chase immediately to put fraud alerts on my account as well as change passwords and put restrictions on account etc. I was assured my money in my savings account and checking would be secure. On Friday XX/XX/XXXX, a an unauthorized withdrawal in the amount of XXXX was made in person in a bank in Indiana. I only found this out when I checked my daily balance on Sat XX/XX/XXXX morning. I have filed a claim with Chase and now have to wait 10 business days for my refund. I have also had to shut all accounts associated with this account down. Tis not only has caused a huge inconvenience but begs the question how and why did Chase allow this to happen?
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX 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

Reporting agencies improperly used my personal business without my consent. XXXX, Equifax and XXXX. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to del the accuracy and completeness of the information. I have read tha IS must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 dave *o complete your investigation. 
XXXX It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 day receipt of this letter, or you must remove the incorrect information Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I have spoke to Kohls fraud department several times. I have told Kohls that this account is fraudulently open. The account has incorrect name, address, and phone number. 
They ask me for my address, name, phone and email does not match up with this account. They tired to update my address on this account without my permission. 
I have letters from them stating this account belongs to me. Kohls has not provide me any Proof about this account. I have sent them my ID for proof and FTC Report for verification proposes. I have letters coming to my mail with a different name saying this account belongs to me.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against XXXX credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 
This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information. 

I have disputed these unauthorized hard inquiries with XXXX in writing on [ dates ] but the information remains unchanged. XXXX has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into XXXX for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX