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

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Sofi XXXX XXXXfrom the company is still on my report as an inquiry, and I would like it removed. As it was not my account and the company proved it, it is fraudulent. This has added to my report as an increase in inquiries. 

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

SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.
Product: Debt collection

An account with XXXX XXXX that was opened up in XX/XX/XXXX in the amount of {$1900.00} was deleted from my credit report in XX/XX/XXXX due to fraud. Now XX/XX/XXXX this same account from XXXX was put back on my credit report as a collection with a collection agency Jefferson Capital Systems with all three bureaus stating this account was opened XX/XX/XXXX which is definitely inaccurate information reporting and the account should have never been put back on my credit file in the first place. I have disputed with all three bureaus and the only one that have removed this collection from my report is XXXX, XXXX and XXXX is still reporting. This is damagaing my credit and I am in the process of purchasing a house but with this collection on my credit I am unable to obtain financing for a home.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I was contacted by this man about a car I purchased new in XXXX sold in XXXX it has been sold multiple times since I sold the car to people that I do not know and they keep XXXX me I sent him all the info I have I sold to XXXX XXXX XXXX XXXXXXXX XXXX, Please send me your story regarding the purchase of the vehicle in my letter. If you remember state when purchased, location, price. When it was sold and to who. Your contact with repo man and what happened. Thanks send to XXXX My letter should have all my contact information. 
Dear XXXX XXXX, I am contacting you directly about a letter I received in reference to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that I purchased new at XXXX XXXX XXXX XXXXXXXX XXXX in XXXX brand new traded in XXXX XXXX XXXX XXXX at the time I purchased the XXXX. I sold the XXXX XXXX in XXXX to XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX lady with XXXX did the paper work and also paid my loan off though I believe to have been XXXX at the time! 
I was contacted by XXXX XXXX from a XXXX XXXX couple or so months back because he knew who I was to make sure I hadnt repurchased this car or if I knew the new owner as I explained to him I didnt so he said he would reach out to whom he needed I do not know these men XXXX XXXX XXXX XXXX XXXX and I have had no contact with the XXXXXXXX since I sold it in XXXX! 


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

XXXX XXXX XXXX, XXXX ( Private SSN ), Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 consists of 1.a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$21000.00}, 2. a personal Revolving account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$640.00}, 3. a personal Revolving account opened at XXXX XXXX Secret on XX/XX/XXXX with a balance of {$380.00} under the account number XXXX, 4. a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3400.00} under account number XXXX. 

5. a collection account opened at XXXX XXXX on XX/XX/XXXX with the balance of {$8700.00} under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries, fraudulent collections, fraudulent charge offs and fraudulent closed negative accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. Also fraudulent addresses reporting on my consumer report are XXXX XXXX XXXX XXXX XXXX, WA XXXX. Fraudulent Phone number XXXX and fraudulent name XXXX XXXX. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act 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 credit card account under an open end consumer credit plan as late for 945k purpose.
Product: Checking or savings account

On XXXX I noticed a {$12.00} service fee was taken out of our account, went to the branch, and spoke with XXXX XXXX President : XXXX XXXX  XXXX, who closed the account and advised that I would receive the service fee back, but a form needed to be submitted by her, on XXXX sent in for review on XXXX I received an e-mail " review that was done and was approved for reimbursement. XXXX. The branch visit was advised that it would be in the form of a check. On XXXX Branch visit, XXXX requested that I send her the e-mail which I did. On XXXX. Branch visit was told I would get a phone call, never received it. On XXXX left a VM for XXXX to call. On XXXX another VM On XXXX call to customer service was put on hold and I was advised I should contact the Branch. On XXXX Branch manager submitted a form to reopen to receive the {$12.00} to be applied to the account. On XXXX received a call from XXXX stating, " She'll look into it again and talk with her manager and get back to me on XXXX. On XXXX sent an e-mail to XXXX requesting an update. XXXX received a phone call from XXXX working on it but she doesn't feel her manager will approve it and that should file a complaint. All along XXXX advised me that it should not have happened and it was the principle of it. My account had a very large sum in it for years. Due to many bank errors that had to be corrected after I informed them, I decided to withdraw on the advice of XXXX, still showing the {$12.00} fee that should have been reimbursed to me. As per insutruction, I from the Federal Reserve faxed the approval from B of A along with the B of A form Account Maintenance completed by XXXX dated XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax and XXXX  credit report are all fraudulent and unauthorized : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Product: Credit reporting

Hospital is reporting collection on my credit report. I have disputed and investigation has only said verified. I have never received a bill, phone call, or inquire from the hospital concerning this bill. The date of service is reported as XX/XX/2013 but I did not have service at this hospital on this date. I requested proof of debt in my dispute and it was never provided. It continues to show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Major Issue with Equifax Credit Bureau ... .they compromise my information on my credit file by sitting for 6 months from their Cyber- Security Incident in XX/XX/XXXX and did nothing. Now, a re-investigation as of XX/XX/XXXX, a new list was updated and as of XX/XX/XXXX when I was informed by a Rental Office applying for an apartment, the attachment is provided stating an ID Theft Fraud Alert on my credit file. Which is a Security Freeze and I was able to get the pace and I'm Homeless. Since XX/XX/XXXX-XX/XX/XXXX I have faxed my driver 's license 4-5 times.. ( enlarged ) and my birth certificate to show the correct information and to update my report. They have all gave me the run-a-round and Lied with not receiving my faxes. I also mailed my driver 's license and birth certificate as well and I'm waiting on the receipt/update on that. Equifax Never informed me of their corrupt mistake until I received a letter from them on XX/XX/XXXX ... attachment provided ... confirmation # XXXX credit file date XX/XX/XXXX. This Credit Bureau needs to be shut down and a class action suit needs to be provided. I am a victim and need to be PAID IN FULL from Equifax. Thank you and hopefully all will be corrected as soon as possible.
Product: Credit card

I mail a payment to Capital One every month, I use a USPS TRACKING NUMBER to trace the package. Every month, the payment take 5-7 days to post AFTER the payment has been received by Capital One. Attempts to communicate with Capital One as to WHY it takes so long to post a payment ( and as such potentially creating late fees ) have resulted in Capital One blaming me stating I 'm not including a copy of the statement with the payment. This is just a flat out lie as each month a statement is mailed with the check to insure proper crediting of the account. I 've had to call multiple times to track down the payment and insure that it is actually posted to the account in a timely manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Crediting Report Act ( FRCA ) THESE COMPANIES are violating my rights. Under 15 USC 6802, states that the consumer is to be sent a notice by your organization disclosing the information that maybe disclosed. I have already given and directed you that such information may not be disclosed to any third party. I have exercised this non-disclosure option and you have continued your deceptive acts. Your deceptive act also violates my right to privacy which has caused significant harm to me as the consumer under 15 USC 1681 sec 602 Right to Privacy. Under 15 USC 1681 ( b ) in accordance with the written instructions of the consumer to whom it relates, you have to have my written permission for you to report anything on my behalf and you do not. YOU ARE FIRED FROM RECEIPT OF THIS DISPUTE. 

UNRECOGNIZED INQUIRIES XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX UNRECOGNIZED INQUIRIES CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a bankruptcy on my credit report. Upon reviewing my credit file, I noticed that a bankruptcy has been reported under my credit history. This information is inaccurate, as I have never filed for bankruptcy.

In addition, it is my understanding that the Bankruptcy Court does not report information about bankruptcy cases to credit bureaus and does not verify the accuracy of information maintained by credit bureaus. Therefore, the presence of this information on my credit file may be due to an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I request that you investigate this matter promptly. If you are unable to verify the accuracy of this bankruptcy entry, I demand that it be removed immediately from my credit report. 

To assist with your investigation, I have attached a copy of my driver 's license, proof of address, and a copy of the relevant portion of my credit report highlighting the incorrect bankruptcy entry. 

Please notify me of the results of your investigation as soon as possible. I expect this matter to be resolved promptly, and I request written confirmation of the removal of this inaccurate information. 

Thank you for your attention to this matter. Should you require additional information, please contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters on XX/XX/year>, XX/XX/year> and XX/XX/year>, requesting for accounts to be removed from my credit report. I've also requested for the investigation was completed and when the allegations from Experian states they verified my accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA investigations that fail to properly address consumers disputes. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. Please removes all accounts. Please remove these items. XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, and Bankruptcy XXXX  XXXX : ref # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX. XX/XX/XXXX, for {$2800.00} XXXX. XX/XX/XXXX, for {$870.00} XXXX. XX/XX/XXXX, for {$640.00} XXXX, for {$990.00} I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICES SOME INACCURATE REPORTING.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a XXXX XXXX credit card for {$340.00} in collections. Its since been removed bc they were unable to verify the alledged debt. All three credit reporting agencies are now showing it as a closed account. The account wasn't verified. Thats the reason it was removed from collections. Its incorrect information thats negatively effecting my credit score. Also TransUnion and XXXX are reporting XXXX credit cards with over {$600.00} balances which couldn't be verified and the reason XXXX removed those accounts from my credit report. Again incorrect information effecting my score negatively. I have tried to have them removed multiple times and only XXXX removed due to not being able to verify the alledged debt. 15USC1692g 15usc1681a 15USC1666 hjr192 UCC3-302 UCC9-102 Ucc1-308
Product: Debt collection

Ive been disputing numerous accounts as fraudulent for years to only get the debt sold to another company that I have to try and fight to get removed from identity theft fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Experian, disputing inaccurate accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/2024 ( XXXX certified mail tracking number XXXX ), and I received a response dated XX/XX/2024 via mail. 
The second letter was mailed on XX/XX/2024, and I received a response via mail dated XX/XX/2024. 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Debt collection

The law offices of Arnold Scott Harris ( XXXX ) continue to robo-call demanding that I call them at XXXX re the debt. I actually called them back after the XXXX robo-call as I was concerned about the call. I unfortunately provided personal information to the office and the person I spoke w/could not find any debt attributed to me and promised that I would be removed from their list. I received another robo-call on XXXX/XXXX/15 and have received several others prior to this date. Please make them stop with the robo-calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT INFORMATION
Product: Student loan

Navient continues to set up my payment amounts incorrectly , resulting in me having to make multiple phone calls to get to the bottom of the issue. Every time I speak with a representative about what 's going on with my account, I get a different answer about what the representative did wrong. I am then told the issue is " fixed '' and it ends up being fixed in error and the whole process starts again. I do not trust that they know what they 're doing, nor do they communicate well with their customers.   Currently my account shows a past due amount even though they set up my automatic payments for me and assured me that it was done correctly this time. I am very frustrated that this company ca n't seem to figure out what is going on with my account, leaving me feeling like I 'm paying monthly payments without it actually being applied to what it should be.