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

According to 15 USC 1681 section 602a of the Fair Credit Reporting Act " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian XXXX XXXX are consumer reporting agencies and I, XXXX XXXX XXXX, am the Consumer with the right to make sure my private information isn't being shared. 15 USC 6801 backs that fact by stating that " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Thank you, XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX XXXX i visited 3 XXXX locations and purchased 3 vanilla visa gift cards in the amount of {$500.00} each totaling {$1500.00}. 
When attempting to activate the cards and to check the balance on each if the cards the online system displayed " system error please try again later '' and would not even display any account information or balances. 
When i used the telephone system to do the same i tried with each card and tge response i received was " there is an issue with the card number you have entered '' and never gave any information about any of the three cards. 
I tried each of the online and telephone systems fir several days until i just contacted vanilla visa from the number on the physical card, their response was contact the retailer. XXXX XXXX XXXX So i did just that, i emailed a few times with an unknown rep snd they asked me for copies of the receipts and pictures of the cards. I sent all of the requested items ( also attached ) and have not gotten any reply. 
I complained to the XXXX  and received a response from XXXX telling me i need to send the picture 's in a certain format. ( XXXX XXXX XXXX  ) which i did and it has bern weeks and no response. 
I have not been able to use the cards or check balance. they keep replying insufficient funds when attempting to use.
Product: Debt collection

the information from check n go that was given to you on my behalf was false information.

i contacted the XXXX XXXX XXXX as check n go requested and they responded today. i will upload the email.
Product: Credit reporting or other personal consumer reports

I tried disputing the inaccurate information but it was never corrected. 
I keep amassing inquiries on my report and even though I requested their removal they never get removed. 

To Whom It May Concern, I am writing to formally address the recent identity data breach that has compromised my personal information, including my Social Security number and financial details. This incident has caused me considerable emotional distress, including feelings of shock, anxiety, and fear about the potential misuse of my information. 

In response to this breach, I have taken several proactive measures to protect myself. I have monitored my bank and credit card accounts for unauthorized transactions, placed a fraud alert on my credit report, considered a credit freeze, enrolled in identity theft protection services, and reported the breach to both the Federal Trade Commission ( FTC ) and my local authorities. 

However, despite these efforts, I remain deeply concerned about the long-term implications of this breach on my financial security and personal peace of mind. Therefore, I am seeking assistance and guidance on the next steps I should take. 

I would like to emphasize my rights under the Fair Credit Reporting Act, specifically citing **15 USC 1681i ( a ) ( 1 ) **, which challenges the 30-day response time for addressing disputes. Additionally, **15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) ** raises concerns about the adequacy of investigation protocols, and **15 USC 1681i ( a ) ( 5 ) ( B ) ** challenges the reinsertion protocols for previously deleted information. 

I respectfully request your support in navigating this challenging situation and restoring my identity if it has been compromised. Thank you for your prompt attention to this serious matter, and I look forward to your guidance. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a credit account showing on my credit report from Wal Mart. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Wal Mart by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my credit score, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Wal Mart, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Product: Credit reporting

I was referred to XXXX XXXX I should have been referred to XXXX Labs for my lab work. My doctors referred me there. I have XXXX XXXX and have contacted them. I do n't think that I owe {$180.00} to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX FUNDING XXXX have 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 an account without my written instructions.
Product: Mortgage

I was asked by eagle home mortgage/ XXXX  XXXX XXXX  , to log on a third party website. This website would automatically log on to my XXXX XXXX account in order for them to Monitor my statement. No only does this leave my account open to security breaches but it is an intrusion of privacy. 

Second eagle home mortgage requested documents from me that were not in my name. They requested a drivers license and or a deed of a family member. When I was unable to provide documents that are not in my name. I was not given a mortgage and never given a denial letter. This would ensure I would not be able to get my down payment back from the related home builder. This mortgage and home builder are related companies and the mortgage co is with holding the letter to be fit the sister builder ( XXXX XXXX XXXX  )
Product: Debt collection

I settled my XXXX derogatory hits on my credit report. The original debt is the company XXXX XXXX. The debt collector that I paid was The National Service Bureau. I originally called to pay on XXXX XXXX, 2016 in the amount of {$880.00}. to close my debt. They told me that it would take about XXXX60 days for it to reflect on my credit report as closed. They also said that they would mail me a receipt of payment and a verification that the balance of {$0.00}. I never received a receipt and also it was still showing on my credit report. I called and I spoke to a lady that emailed me the receipt on XXXX XXXX, 2016. The receipt only shows the amount of {$440.00}. I look at my credit report it shows that I still owe money when in fact it has been paid and should be closed. This has been affecting my credit score for a little over a year after it has been paid fully.
Product: Debt collection

I XXXX XXXX have received several calls from a debt collector hired by Harley Davidson Credit. My balance shows {$190.00} on all credit reports, yet a debt collector named XXXX XXXX from a collection agency called XXXX XXXX XXXX claims that I owe a balance approximately {$2800.00}. Accordingly, I demand a full accounting of the account, and a cease and desist of all calls from this point forward as mandated under my rights Fair Debt Collection Practices Act. XXXX XXXX XXXX , XXXX is third party debt collector located in XXXX, Arizona. XXXX has been a party to a Federal Court case over 40 times. They have been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX. I have never received one collection letter from XXXX, and I want to resolve this matter professionally but in written correspondence only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX****** XXXX XXXX XXXX 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
Product: Debt collection

It is stated that I owe XXXX from my old complex XXXX XXXX. I had a active PPO on a neighbor and was going to take legal action against them due to them not making me feel safe they continued to let my old neighbor stay across from me and harrass and threaten me. They also didnt have a renters license and I owed back rent of XXXX, had rental assistance had to only cover {$2300.00} & was removed from my home before I could pay. They claimed I racked up {$10000.00} in damages and I only stayed alone no children I was put out by movers any damage was done was them not me. I want this off my credit theirs no proof and I feel that this is retaliation due to my complaints. XXXX continues to not settle this dispute!!! Its not on my XXXX XXXX report at all but XXXX hasnt removed this debt!!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that i've marked as inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX,
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, 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 card

I had a credit card number XXXX XXXX XXXX XXXX with Bank of America under my name and they cancelled with no further notice with XXXX payments delay, they closed a SECURED credit card without any notification, and when I made the payment in the third month, I noticed that it didnt go through because the account had been closed. They claimed that I had answered a phone call and confirmed that I was aware of the closure, obviously that never happened. I asked for the last XXXX statements in order to have by written I did a payment before the third month of delay ; but the told by phone today me the account was closed and they do not have statements anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax 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
Product: Credit reporting or other personal consumer reports

My now-deceased child was the borrower on Loan numbers XXXX and XXXX ( the " Loan '' ). I was the co-signer. 

XXXX was a passenger in a car when she was killed on XX/XX/2023. 
The loan was in forbearance at the time of XXXX 's death, the combined balance was {$20000.00} and no payment was due. For this reason, I had no obligation to pay either. 

When I contacted XXXX XXXX on XX/XX/2023 to inform them of her death, they offered to discharge the loan, without any payment, provided that I submitted a death certificate. I did so on XX/XX/2023. 

XXXX XXXX reported to credit agencies that I did not pay the loan. They reported Legally paid in full for less than the full balance, '' to credit agencies, resulting in an approximately XXXX point drop in my credit score, even though I had no obligation to pay, and they offered to discharge XXXX 's debt. This is akin to a bankruptcy reporting, and appears to remain on credit reports for 6 years or more. Other creditors reported " Paid, Closed / Never Late '' or Paid Satisfactorily, and those reportings had no negative effect on my credit score. 

On XX/XX/2023, I spoke with the supervisor of XXXX XXXX 's credit reporting team. He acknowledged that XXXX XXXX had made an error, apologized profusely and promised that there would be a manual fix submitted to my credit so that it would show " paid satisfactorily '' and have no negative effect on my credit score. He said that it would update on the credit reporting agencies in a couple of days. 

XXXX XXXX has not corrected its errors and the result has been that my credit score has remained at the lowered level, creditors have reacted negatively by reducing or eliminating credit available and other negative credit results have occurred. 

I have disputed this reporting through the credit agency systems, and XXXX XXXX has verified the erroneous reporting. XXXX XXXX told the credit agencies that the reporting was accurate. As such, the credit agencies refused to update the credit reports and the damage was compounded.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number XXXX Consumer DOB : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of Addresses : XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX, XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX This fraudulent, inaccurate, and false information consist of accounts : XXXX, Account # XXXX & XXXX, with a balance of {$1600.00} ; XXXX, Account # XXXX, with a balance of {$2500.00} This fraudulent, inaccurate, and false information consist of hard inquiries : XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> These accounts have resulted in several hard inquiries, fraudulent collections, and Non deliverable addresses appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, hard inquiries, and addresses as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed are a picture ID, a bill, and a letter from XXXX XXXX  helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported 2 late payments over 60 days in XXXX to Experian. The company spoke to one of the account holders and due to financial hardship, agreed to allow these payments and assured that they would not be considered late or affect credit. 

I have an excellent payment history aside from this and would never have allowed these delinquent payments. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or text messages that payments were due or late, which is how they would have alerted me to it ). 

Experian has declined multiple disputes and I am hoping to have these removed as the company provided inaccurate information and now refuses to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem that I've been attempting to resolve since XX/XX/2021. I've done extensive research on this compliance and found that Trans Union is violating my FCRA rights and XXXX XXXX compliance in how they report. I've called and written on numerous occasions. Please review my letters attached to this complaint, in which I clearly articulate where and how my FCRA rights are being violated, how they are not in compliance for XXXX XXXX, and how this is causing extreme HARDSHIP to myself and my family 's livelihood as a result of these COSTLY mistakes.