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

XX/XX/2020 I call Equifax and the person who answer didn't provide with any help I give all the information and still don't help with all the information I give My account is look and freeze I send by email all the information about myself and no answer. 
XXXX XXXX
Product: Credit reporting

Per the previous response to the CFPB, Experian agreed to remove all unverifible names from my credit report, to include any item not subject to correct information. In order to continue supporting corporate injustice, they have still refused to remove unauthorized names. Experian operates a service that verifies names and social security numbers, and after certified letters, and complaints through the CFPB, they have refused to remove the unverifiable name. In the operating of that for sale product, they are within the capacity to correct this information. No creditor, or lender or any other entity has the ability to create a name that is n't verifiable through name, social security number verification. My complaint is that in their response they agreed to remove the name that is n't verifiable to my social security number, but to allow unauthorized entries on my report, to include a lot of unauthorized inquiries, they have failed to do this. This practice is common, experian which i can prove, stated that they verified XXXX individual items with the creditors and refuse to remove, until i as a consumer threaten the lenders directly and they all were removed. The game around the statue, is when the consumer disputes online, they refuse to investigage after one dispute, but if the consumer writes they state that they do, but actually do n't. Experian dispute process is outside of the united states, and therefore ca n't be truly a dispute process. 

Experian XXXX XXXXName : XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso Known As : XXXX-This is the name not verifiable with social security number, deliberately by the social security administration. 
- XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$5000.00} and paid an additional {$25.00} fee to Western Union 8 days ago. I was called to verify some facts and received an email confirming the funds were available 3 days ago. When the payee tried to access, Western Union blocked the transfer. I called and answered more questions from a second office. The low level call center representative made a decision to cancel the transaction on the spot. I am to get a refund within ten days. Western Union holds my funds for over two weeks, misleads myself and the payee, and provides no reasons or appeal for their decision.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what to do. I am a victim of identity theft and I need help because my credit has really ben affected. I have been asking for help and my lawyer to me to submit a complaint with the FTC. I have completed the report and have attach my documents for proof of ID. I can't take this, my family and I are being deeply affectby the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a XXXX and had an account with XXXX XXXX XXXX. Eastern Account Systems, a collection agency, I assume, is reporting this account on my credit report. However, on XX/XX/2021, I called XXXX XXXX XXXX and was told that if the account could be paid online, it would be recalled from collection agency. I was able to pay the account in full through XXXX XXXX XXXX ' online system using my account number that same day. After I paid, I called them and told them that I paid the account with the original creditor and was told that they would delete the account on XX/XX/2021. Instead, they just updated the account to paid, as if I paid them. The account should have been recalled when I paid and deleted. I would like this account deleted from all three credit bureaus.
Product: Credit card

American Express is falsely reporting inaccurate interest calculations and an Inaccurate Average Daily Balance based on Transactions in the period between XXXX XXXX, 2016 - XXXX XXXX, 2016. Please see supporting attached documentation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed that XXXX had reinserted previously removed collection accounts and added unauthorized hard inquiries to my credit report without proper notification or verification. These actions violate the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to notify consumers before reinserting disputed accounts and to ensure the accuracy of the information being reported. 

I previously disputed and successfully had these collection accounts removed because they were either inaccurate, outdated, or did not belong to me. Despite this, XXXX unlawfully reinserted them on [ date of reinsertion ], damaging my credit score. Additionally, I discovered multiple hard inquiries on my report that I did not authorize, further impacting my creditworthiness. 

These reporting errors have caused financial harm, including [ mention any denied credit applications, higher interest rates, or other negative effects ]. Given the recent CFPB lawsuit against XXXX for similar violations, I believe this is part of a larger pattern of misconduct. 

I am requesting the following immediate actions : XXXXPermanent removal of the reinserted collection accounts and unauthorized hard inquiries from my credit report. 

XXXXWritten confirmation that these accounts and inquiries have been removed and will not be reinserted without proper verification. 

XXXXCorrection of my credit score to reflect the removal of these inaccurate items. 

4.Assurance of compliance with federal laws, ensuring this issue does not occur again. 

Please resolve this matter promptly, as these errors are unfairly affecting my financial standing.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off CHILDSUPPORT XXXX XX/XX/XXXX {$17000.00} XXXX  XXXX XX/XX/XXXX {$8600.00} late payment XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  To Whom It May Concern : XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt 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. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Fair Credit Reporting Act 15 USC 1681 section 602 a states 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 XXXX XXXX /XXXX XXXX Capital One, XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15USC 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. XXXXXXXX XXXX XXXX/ XXXX XXXXXXXX, Capital One, XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies, XXXX XXXX XXXX and XXXX do not have my consent to report my information. Any and all consents to XXXXXXXX XXXX XXXX/ XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Capital One XXXXXXXX XXXX XXXX XXXX and XXXX whether verbal, non-verbal, written, implied or otherwise is revoked. The Privacy Act of 1974 recognize XXXXXXXX XXXX XXXX/ XXXX XXXX, Capital One, XXXX XXXX XXXX XXXX did not inform me of my right to exercise my nondisclosure option. Conditions of DisclosureNo agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, 15 USC 1681C ( a ) ( 5 ) says 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. '' 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal.
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 XXXXXXXX  : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : FACTUAL DATA XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX XX/XX/XXXX Has violated my rights And other list of INQUIRIES. 


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

When Equifax had a security breach in XXXX, I requested a security freeze and was issued a 10-digit PIN to use if I wanted to release the freeze. I recently tried to suspend the freeze & found that the 10-digit PIN had been abandoned. So, I followed the instructions on their web site to temporarily remove the freeze and spent about 45 minutes going around in circles. So I called Equifax and was told to send in a copy of my driver 's license and Social Security card, which I did and included a ( XXXX  ) certified letter with all my relevant information ( Full Name, SSN, DOB, address ). I just received a letter from Equifax telling me " We were unable to locate a credit file in our database with the identification you provided ''. Really? Now they want me to send in " Category 1 ) IDENTIFICATION *Valid Social Security Card '' and " Category 2 ) CURRENT ADDRESS * Driver 's License ''. I'm sending in a really XXXX  letter with the requested information. Why should I have to put up with their incompetence?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open an account with XXXX. Furthermore, this loan was initiated in XXXX - XXXX and my credit report states that it was started in XXXX. This vehicle was resold and the amount that is stated as owed is also incorrect. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Open balance 14 XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Account status Open
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX XXXX {$12000.00}
Product: Credit reporting or other personal consumer reports

This company has failed to furnish an actual contract with my wet signature. As well as reporting inaccurate information. None of the account information match with what transunion have in files. The account has to be fraudulent and inaccurate because XXXX and XXXX investigations is proof that you are not performing an actual investigation to this matter. Please block the information from my transunion credit file. This contract has XXXX moross XXXXXXXX XXXX XXXXXXXX on it please note that this is a fraudulent address.
Product: Mortgage

DHI Mortgage : company NMLS # XXXX, Branch NMLS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX This bank has been made the process extremely difficult and abusive. Ive provided XXXX, mortgages, XXXX fees, bank statements, paychecks, property management paperwork for precious properties. I am placing more than 50 % down on a home that XXXX. My XXXX XXXX XXXX was on extension. They required a letter asking why? I got my accountant involved but they did not want to have a conversation as to what they required beyond Proof of extention. My accountant worked over the weekend to complete the extension and they are requesting a transaction # that the govt accepted it. They want me to resend all the paperwork I sent the previous month to this month because XXXX info is now considered outdated. They still require a letter as to why I needed an extension. After I uploaded more information this past weekend ( XX/XX/XXXX ) and speaking with the XXXX  XXXX this same day as to what is ADDITIONALLY required, I received an email from the bank that I have not been in contact with them and That Ill be in default within the next XXXX where they want to keep my XXXX deposit. What course of action do I have?
Product: Credit card or prepaid card

I traveled to XXXX. On XX/XX/XXXX during the trip, a vendor/employee used an extra XXXX machine to charge my card for {$480.00}. I did not know of the charge until a few days later when looking at my account. I called immediately to dispute the charge, and even gone through the appeal. They state that because I had valid charges after the fraud, it was not fraud. I explained that I was unaware what was done until after I used my card several more times. I have requested the credit card company provide me a receipt. They have given me the run around on getting a receipt. If they don't have a copy of my signed receipt, how can they know it was me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXEmployment information** _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries** XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX Inquiry : XXXX XXXX, XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
XXXX XXXX Inquiry : XXXXXXXX XXXX, XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not belong to me. Delete it!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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

Received call from ( XXXX ) XXXX and msg indicated call ( XXXX ) XXXX -- person answering did not identify the company I was calling and got testy when I asked what company I was calling ( interestingly, without my telling this person my name, they had my name ) -- I refused to give this person my name and asked at the get-go what company had called me. This person was yelling at me stating that " no one ever calls and not states who they are ... '' -- stated I was being sued for a $ XXXX debt and writing a bad check for over {$1000.00}. I am not the person they wanted : name was my first and last name, date of birth not mine, state of residence at time of " crime '' was in Louisiana. This person was very, very rude, yelled at me, and threatened to send case for me to be arrested. Finally after verifying the above name, date of birth, and state, the said would remove my name and number ; however, I have received several calls from this same number. Please do something about this. When I looked up both telephone numbers on the internet, there are complaints about a man named " XXXX XXXX '' -- I still do not know anything about the company or the company he is " representing ''.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Unverified Debt CFPB Complaint Pending Account Number : XXXX To Whom It May Concern, I am formally disputing the validity of the debt that you are reporting to the credit bureaus under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. Your company has failed to provide proper notification of this debt or evidence that I am legally responsible for it. Additionally, your failure to provide written notification before reporting it to the credit bureaus constitutes a violation of my consumer rights.

Under 15 U.S.C. 1692g, a debt collector must provide the consumer with a written validation notice within five days of initial communication. I have not received any such notice, and therefore, I dispute the validity of this debt. Furthermore, under FCRA 15 U.S.C. 1681b, you do not have my express permission to report any information about me to the credit bureaus without proper validation. 

Additionally, in **XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX. XXXX XXXXXXXX ) **, the court held that a debt collector must validate the debt before attempting collection. As I was never given an opportunity to dispute or verify this debt before it was reported, you are in direct violation of this precedent. Furthermore, the failure to notify me before reporting the debt constitutes negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o, making your agency liable for damages.

I am demanding the immediate **cessation of all credit reporting activities** related to this account and the removal of this item from my credit report. If this matter is not resolved promptly, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve the right to seek legal action for any continued violations of my rights under the FDCPA and FCRA.

Please provide written confirmation within 15 days that this debt has been removed from my credit report. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX