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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and had someone open several accounts using my personal information and then default on those accounts which are reported on my credit reports. I filed a police report, submitted a FTC Fraud Affidavit, and disputed the fraudulent accounts with all three credit reporting agencies on XXXX/XXXX/2023. I included the police report and the fraud affidavit with the disputes which included, XXXX different XXXX XXXX accounts, a XXXX XXXX account, a XXXX XXXX XXXX account, a XXXX Bank XXXX account, a XXXX XXXX XXXX XXXX XXXX account, a XXXX XXXX loan, and a collection account from XXXX Funding that was attempting to collect a debt from a fraudulent XXXX account. I also sent each of these companies the police report and fraud affidavit letting them know the accounts were a result of identity theft. 

I was under the impression that they had 30 days to respond to my disputes however, neither XXXX XXXX, XXXX or Experian responded and when I checked my credit report the fraudulent accounts were still reporting. So, on XX/XX/2023  I decided to send my disputes again along with the police report and fraud affidavit to all three credit reporting agencies asking them to remove the fraudulent accounts from my credit report because they were hurting my credit and preventing me from being financially stable. 

I did get a response back from XXXX XXXX shortly after asking for more information which I had already provided including my Driver 's License, Social, and Address Verification. I again waited another 45 days and got no responses or confirmation in the mail that the accounts were deleted from the three credit reporting agencies. I checked my credit report and noticed that some of the accounts had been deleted. However, they were deleted from one bureau but not the other two or they were deleted from two bureaus but not one. It made no sense that one bureau would delete an account and the others wouldn't or two bureaus would delete the account but not the third. 

So, on XX/XX/2023 I decided to dispute the fraudulent accounts that were still reporting asking them how they verified these accounts and to send me documentation they used to verify the accounts which is what I read on they are required to do if requested. Again, I included the police report, the fraud affidavit and all of my verification documents and this time waited 60 days for a response and received nothing. I don't understand how these credit reporting agencies can just ignore you and not respond when you have ID Theft and fraudulent activity which is putting me at risk and causing me financially instability. 

I checked my credit reports, and these fraudulent accounts are still reporting, and I don't know what to do other than ask the CFPB to step in and investigate the credit reporting agencies. They are blatantly violating my rights that are supposed to be protected by Federal Law. I'm not sure how they're allowed to get away with this gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that were included in the bankruptcy but still listed on my credit report. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 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. 


XXXX XXXX XXXX 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 or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX : {$6500.00}, and XXXX XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 accounts with XXXXXXXX XXXX XXXX and XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX XXXX and XXXX XXXX XXXX  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

On or about XX/XX/2019, I logged in and made our XX/XX/2019 car payment to XXXX XXXX XXXX. This payment cleared and was taken out of my XXXX bank account on XX/XX/2019. However, XXXX did not credit the payment to our account until XX/XX/2019. This resulted in a 30 day late payment appearing on my credit report. I notified XXXX  about this error and they stated they would not correct the credit report. 

I have attached a copy of my XXXX bank statement as evidence that the XX/XX/2019 payment cleared my bank account on XX/XX/2019. Therefore, the payment would have been made prior to XX/XX/2019, not after ( as they are claiming ) My account number is XXXX.
Product: Money transfer, virtual currency, or money service

This complaint is a continuation of this complaint : XXXX I ran into a problem roughly 1.5 - 2 months ago where the service known as Telecheck was blocking all attempts to make a purchase on the website XXXX. 

In my previous complaint, I was informed that my transactions were classified as a " Code 3 '' decline in TeleCheck 's system. 

It appears that I am experiencing the same problem again. I am permanently barred from making any sort of purchase on XXXX regardless of method used. I attempted to reach out to customer service about a week ago and after explaining the situation to them, I have not been contacted by TeleCheck.
Product: Credit reporting or other personal consumer reports

Vehicle was purchased then totaled by tornado XXXX  months later, GAP coverage was added at time of purchase. The dealership was responsible for sending the GAP payment to XXXX and did not. We followed up at east XXXX times. The last time we followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/24. Because the dealership did not mail the GAP refund check in a timely manner ( it took XXXX  months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been damaged because of this.
Product: Credit reporting or other personal consumer reports

Dear Equifax, This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the XXXX XXXX XXXX XXXX XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX XXXX XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX XXXX XXXX XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate
Product: Debt collection

I have requested on multiple occasions that they cease communications both calls and by mail, however they still send me weekly emails and letters in the mail.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$710.00}
Product: Credit card

Dear Sir/Madam, I am writing to formally dispute the unauthorized access and furnishing of my credit information by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602 and 15 U.S.C. 1681b Section 604 ( a ) ( 2 ), it is required that a consumer 's credit report can only be accessed and furnished under certain circumstances, including obtaining the consumer 's written consent. 

I have reviewed my credit report and found that there have been inquiries and other actions taken which I did not authorize. At no point did I provide written consent to your bureau or any third party to access or furnish my credit information. 

According to 15 U.S.C. 1681 Section 602 ( a ), Congress has established the need for fair and accurate credit reporting, emphasizing consumer confidentiality and the necessity for consumer protection against the dissemination of inaccurate information. Furthermore, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) explicitly requires that consumer reporting agencies obtain written instructions from the consumer before releasing their credit report.

Since I did not provide such consent, I am requesting the following actions be taken immediately : 1. Remove all unauthorized inquiries and information from my credit report.

2. Provide me with a comprehensive list of all entities that have accessed my credit report without my written consent.

3. Cease any further dissemination of my credit information without my explicit, written authorization.

I also request that you provide me with written confirmation that these actions have been taken within 30 days of receipt of this letter, as stipulated under 15 U.S.C. 1681i.

Failure to comply with these requests will leave me no choice but to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking legal remedies for the violation of my rights under the FCRA.

Please address this matter with the urgency it demands. I look forward to your prompt response. 

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

I have Mutiple hard inquiries from different companies on credit report that I never inquired about.
Product: Credit reporting or other personal consumer reports

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 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 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 The above is the list or unauthorized inquiries. Please Remove this in accurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Illegal reporting to 3 major credit reporting agencies XXXX XXXX XXXXNO VALADION OF DEBT PROVIDED UPON XXXX XXXX  - NO VALADION OF DEBT PROVIDED UPON XXXXXXXX XXXX XXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXXXXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX / XXXXXXXX XXXX  has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Mortgage

The salesperson lied about what would/would n't be required. The underwriters asked for things of me that they would not have asked of others. They would not escalate to higher levels. They did not respond to email requests. The conditional approval letter required things that weren't applicable. For example, they wanted a copy of the escrow check and the proof of clearance on the escrow check, even though this sale did not have an escrow check. They had the purchase agreement in hand from day XXXX and kept saying they did not, even though proof was provided showing the salesperson from Chase had the purchase agreement and the extension of the closing date. The salesperson said no appraisal would be required, because the house had been purchased ess than a year ago. The salesperson said no corporation tax returns would be required, and then they changed their mind. They demanded a letter from the corporation selling the house stating what the plans were with the proceeds of the sale. They Chase website what having problems accepting documents I was attempting to upload. The site said there was an error with the site, and Chase blamed me. On two separate occasions during the process, representatives from Chase LAUGHED at me because I was asking questions as to why they needed certain information. In numerous situations, Chase did not respond to email for up to 5 days, delaying the mortgage process and causing the costs to be increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX  party, which is untrue. The disputes were filed by me directly. I even called them to confirm my identity, but they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to fail to thoroughly investigate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act " XXXX XXXX '' with account number # XXXX, and " XXXX XXXX '' with account number # XXXX, and " XXXX XXXX '' with account number # 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: Debt collection

This company constantly sends me emails about a debt I did not authorize. I have constantly requested proof of ny signature that they have failed to provide.
Product: Debt collection

Date Assigned XX/XX/2018 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERVICES Original Amount Owed {$2500.00} Amount {$2700.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Debt collection

I received ambulance services from XXXX XXXX XXXX XXXX in XXXX XXXX, MA in XX/XX/XXXX. ( I also received XXXX XXXX at XXXX XXXX and paid my out-of-pocket expenses in addition to the charges that were covered by my health insurance. I note this as the hospital clearly had my current insurance information and billing address. ) I received a credit alert in XX/XX/XXXX that I had a bill in collections. I noted it was for {$1700.00} from XXXX XXXX XXXX XXXX. I immediately contacted the service provider. They billed me in XX/XX/XXXX and sent notice to an address in XXXX XXXX at which Ive not resided for 25 years. ( Why they did not coordinate with the hospital is beyond me. They should probably do that as it is the only hospital for which they provide services to my knowledge. ) The XXXX XXXX XXXX XXXX failed to request insurance or contact information from my spouse or me, and their inaction has both negatively affected my credit and my health. 

I have been in contact with both the service provider and collection agency to rectify the billing. The service provider told me that now that they have sold the debt to a collection agency, First Financial Resources, so it is an issue between the collection agency and me. 

I authorized my spouse to speak on my behalf with First Financial Resources. The representative falsely stated that I had spoken with a representative in XX/XX/XXXX and requested they not contact me. My phone records verify that I never received a call from them and certainly did not speak with a representative. ( Am I alone in finding it absurd? This falsehood is easily debunked with records from phone bills, never mind does anyone actually answer a call from an unknown number? ) First Financial Resources upon conclusion of todays call noted they will issue a bill to my correct address. I will pay the bill, but since none of this has been my fault I will not do so before they rectify my credit report, expunging the negative report. 

An apology from both agencies would also go a long way to providing me a measure of recompense.
Product: Debt collection

Portfolio Recovery Associates has filed a law suit against me in the amount of {$2700.00}. 

PRA never notified me of this debt. Please see the attacked file showing that the notice was sent to an XXXX XXXX XXXX in XXXX, XXXX. I have lived in XXXX  since XXXX, XXXX. Before that I live in XXXX  my whole life.
Product: Prepaid card

At this point I'm trying to find other persons to help file a law suite . For misleading consumers. When u file a dispute it says that they will issue out a replacement card with the reminding balance. But u file a dispute they tell u u need to wait 90 days for a new card thays what a Rep ( XXXX ). told me. How is this possible make no sense at all. They hold your money and give it to u when they want. Then ask for all this information like receipts who keeps them anymore people just have a pile of receipts laying around the house for years and years. XXXX XXXX