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

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX XXXX My personal information was impacted by the XXXX data breach XXXX resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX XXXX XXXX XXXX My personal information was impacted by the XXXX data breach XXXX resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX XXXX XXXX XXXX My personal information was impacted by the XXXX data breach XXXX resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once!
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

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

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

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXX XXXX  with account number XXXX. It says the original creditor was XXXX XXXX XXXX. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Car Hop Loan. I had to return the vehicle I was making payments on because it was a lemon. It was in the shop with repairs 2 out of the 3 months I had it. So i returned it and was paid up on my payments. I was not offered another vehicle or any compensation for not having any transportation. I was not told I owed anything. I did not recieve any further communications from them at all. Now I am seeing a public record of a settlement on my credit report.
Product: Checking or savings account

I made a dispute on a XXXXXXXX XXXX XXXX charge of {$350.00}. My account with XXXX XXXX XXXX was not active and they charged my account. Wells Fargo denied my dispute. They are caliming that they couldn't recover the money, but, that has nothing to do with me. I was charged for a service that was never provided and I used my debit card to protect myself. I want the Wells Fargo investigative report on the disputes I have made.
Product: Money transfer, virtual currency, or money service

PayPal get my money on my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting or other personal consumer reports

I did not provide consent to allow the sharing of my private information, and the disclosure of this information is unfair and unjust to me as a consumer. According to 15 USC 1681 Section 602 A, I have the right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with 15 U.S.C 1681c. ( a ) ( 5 ), it is stated that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of convictions of crimes that predate the report by more than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any person to provide information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Furthermore, it's important to note that they are not even complying with Metro 2 credit reporting standards. I have evidence to substantiate my claim. 

Here 's the list of items in question : XXXX XXXX XXXX Charge-off {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} XXXX XXXX XXXX XXXX Collection {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$2800.00} XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00}
Product: Credit card

I opened a new XXXX and account and performed a balance transfer from Ally to the new XXXX XXXX  account in XXXX of 2024. A check was sent to ally but the funds were never applied to my account. I made several attempts to resolve. I sent Ally a copy of the cashed check as well as the address XXXX provided me to where the funds were sent. XXXX mo this I have been working to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and noticed an account with XXXX XXXX XXXX XXXX XXXX that doesn't belong to me. it is now being reported as closed and im owing hindering my ability to obtain credit
Product: Credit card or prepaid card

I applied for an American Express XXXX XXXX card on XX/XX/XXXX. I thought I used my referral link to receive XXXX XXXX points ( in addition to the sign up bonus of XXXX after {$4000.00} in spending in the first 3 months ), but upon calling American Express on XX/XX/XXXX and XX/XX/XXXX, was told that the referral link was not attached to my application. They said they could not manually add it. My referral link that I believe I used is http XXXX XXXX XXXX On XX/XX/XXXX I asked to speak to a manager and was told they could do nothing for me.
Product: Credit card or prepaid card

There are two delinquent accounts currently appearing each month on my credit report. They are retail credit cards with XXXX 's and XXXX. Both of these accounts belong to my ex-husband. We were divorced on XX/XX/18. These accounts are in his name. I am not an authorized user on either of these accounts. 

In addition, my credit report shows my XXXX XXXX XXXX, XXXX, Texas address as a new address. It is not new. I have lived there for 12 years. Also, it shows an address on XXXX as a new address. The XXXX address is my ex-husband 's rental property - not mine.
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

In its response to Complaint # XXXX, Equifax falsely claimed that there were no freezes or blocks or anything else to prevent access to credit files. 

Independent consumer investigation disclosed that in fact such a block had been existence since XX/XX/2022 with the simple remedy of transmission of ID docs to Equifax fax # XXXX. I am in possession of those faxed documents as well as the fax confirmation dated XX/XX/2022 XXXX XXXX  documenting the transmission of said documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filling out all the info on Equifax free online credit report site and answering their questions they said they can not do it online and now I have to fill out lots of personal info and send a copy of my W-2 form to them to have a report mailed to me.
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the Equifax data breach.
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. 
Account name : XXXX XXXX XXXX Account Number : XXXX Account name : 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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

XXXX XXXX  made a credit inquire on my report on XXXX and XXXX XXXX made an inquiry on my account on XX/XX/year>. I would like these inquires removed from my credit report as they were not made by me. In addition, I have disputed a paid affirm account with XXXX and XXXX account that isn't mine however they are still reporting. I paid the accounts to actively clean up my credit report however there has been no benefit to me doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 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 BANKRUPTCY DISMISSED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was making payments recently with XXXX XXXX, they were NOT reporting any of my payments that I were making every month to the credit bureaus but then when I missed one payment XXXX XXXX reported me to all 3 credit bureaus and they DID NOT CONTACT me by mail to notify me first before reporting it to collections. I had nothing in collections before at this time but now Im in collections because of this company and I feel I deserved a phone call or a letter in the mail to notify me to make me aware the account was threatening collections.
Product: Checking or savings account

On XX/XX/18, 2 unrecognized and unauthorized charges were pending on my account from XXXX and XXXX 's in XXXX. I called Bank of America immediately on XXXX and was told nothing could be done until the charges posted. I canceled my debit card, because the number had been stolen. I called XXXX and they were able to identify that an individual that was not me had made the charge, but said I needed to go through the bank to get my money back. Once the charges posted on XX/XX/18, I made the fraudulent charge claim through Bank of America which was given claim number XXXX. The bank credited the charges back to my account, which amounted to {$370.00}. They then claimed to research the claim and decided on XX/XX/18 that the charges were authorized and that they would take the {$370.00} from my account on XX/XX/18. I spoke to a representative in the fraud department on XXXX and asked her to provide me with all of the research documentation. I have received nothing and was basically told there were no notes on the account. I asked for the claim to be reopened and researched more thoroughly in writing on XX/XX/18 via fax at the direction of the representative. At this time, I have had no response to my request. The charges were unauthorized but seem to have not been researched at all and no proof of any research has been provided to me by Bank of America.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX  acct # : XXXX I am formally submitting this complaint against Equifax due to ongoing inaccuracies and incompleteness in the reporting of an account on my credit file. Despite initiating multiple disputes with Equifax and receiving explicit assurances that the information in this account is " verified '' and accurate, reporting inaccuracies persist, indicating a failure to conduct a thorough and reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681i - Procedure in Case of Disputed Accuracy ( a ) 5 ( a ) ( i ). 

According to the FCRA, if, after any reinvestigation, information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is obligated to promptly delete or modify that item of information based on the results of the reinvestigation. 

The specific discrepancies that still persist on my Equifax credit report are as follows : 1. Last Reported Date : Discrepancies across all three bureaus. 
2. Date Last Active : Variances are present across all three bureaus. 
3. Payment History : Discrepancies are noted across all three bureaus. Some months have data listed, and some months dont have any data. Those same months have data listed on the two other credit bureaus, indicating inaccurate and incomplete data being reported by Equifax. 

I have attached supporting documentation highlighting these inaccuracies and incompleteness. 

Furthermore, my requests for original documentation, signatures, contracts, and details regarding the verification method for this account have gone unanswered by Equifax. This lack of response exacerbates the adverse impact on my creditworthiness, leading to credit denials and hindering my ability to secure housing for my family. 

Given the evident failure to conduct a thorough investigation, constituting a Fair Credit Reporting Act ( FCRA ) violation, I am not requesting a re-investigation. Instead, I am demanding that Equifax promptly deletes/removes the late payment from my Equifax credit report, as mandated by the FCRA. 

Thank you for your attention to this matter, and I trust that your intervention will lead to a prompt resolution.
Product: Credit reporting or other personal consumer reports

According to reports received through credit karma and directly through XXXX and Equifax accounts that don't exist such as an account that was now reported as ToysRUsMC, Which I don't have and never have. None of my cards have changed names. 
I've copied all point reductions to show that they were suspicious in nature. The XXXX decrease occurred after paying down depts over fraud on a card was removed and paying down cards totalling over 2000 XXXX The increase that month was under XXXX $ as I purchased my sectional through XXXX. I'm still below 5 % and believe I'm being discriminated against. My score dropped XXXX when the fraud occurred and it was not replaced when it was removed ans should have been. XXXX is necessary for such instances. My loan is paid down every month all cards are constantly paid on time. I have attached the report showing discriminatory practices as far as my scores are concerned. I have XXXX XXXX XXXX cards neither were recently opened and it's stated it wasn't but an additional score hit as if I'm not reviewing it although the score is decreasing. Fraud also occurred on my XXXX XXXX XXXX and I didn't regain the points lost from the fraudulent Activity. Consumers should not be penalized for incorrect reporting or FRAUDULENT ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) XXXX, Equifax, and XXXX, have 30 days to respond to my dispute This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that I have no knowledge of.
Product: Debt collection

I am writing to formally request validation of the debt referenced in your recent communication dated [ XX/XX/year> ]. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, including the details of the original creditor and the amount owed.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt.

3. A detailed accounting of how the alleged debt amount was calculated.

4. Copies of any documents that prove I am legally obligated to pay this debt.

5. Evidence that you are licensed to collect debts in my state.

Until I receive this information, I request that you cease all collection efforts related to this account. Additionally, if you have reported this debt to any credit reporting agencies, please notify them to mark this account as " disputed '' until the validation process is complete.

Please send the requested information to the address listed above. I look forward to your prompt response.

Thank you for your attention to this matter.