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

Experian is in violation for violating consumers privacy rights by allowing insufficient matching procedures which resulted in credit reporting companies providing reports to entities without permissible purposes. 

Experian is subject to Criminal Liability for violating FCRA Privacy protections ( Sec 620 ). Identified credit reporting companies held liable - XXXX, freecreditreport.com, consumerinfo.com My experian account was hacked and my email was deleted and replaced with XXXX after let experian know an email was sent to me asking to verify my identity by sending my drivers license, social security card, bank statement, and proof of address. So I did because I thought it was experian. My account log in email changed from a. XXXX XXXX to a.XXXX  yet I was still unable to access the information. I received another email asking to resend my identification for verification purposes. I was hesitant so I looked up the address, XXXX XXXX XXXX XXXX, Tx, provided in the email and it linked to multiple credit reporting non accredited agencies, freecreditreport.com being main source. 

The name XXXX XXXX being the principal source and XXXX XXXX XXXX bring the Business manager. XXXX  stated Licensing Information : This business is in an industry that may require professional licensing, bonding or registration. XXXX  encourages you to check with the appropriate agency to be certain any requirements are currently being met. 

Experian 's negligence to protect consumer privacy and personal information exposed my personal information to these allowing deceptive trade practices without my knowledge, consent and authority which is considered to be identity fraud. These non accredited XXXX  consumer reporting agencies committed identity theft.
Product: Money transfer, virtual currency, or money service

My daughter was scammed by someone and sent the money via PayPal. Paypal allows these people to take money from unsuspecting people and doesnt offer help just lets these people steal their money
Product: Credit reporting or other personal consumer reports

Im not liable for this debt Creditor : XXXX XXXX XXXX XXXX I don't have a contract with this agency.They didn't provide me with original contract as requested nor my signature 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 # XXXX, has violated my rights. 

This account is my Ex wife XXXX XXXX XXXX ) account.I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

This account shouldn't be on my credit report. They still haven't provided my signature where I signed original paper work they just changed the account to volunteery repossessed & 1 late payment of XXXX where there is no proof of me paying anything late
Product: Credit card or prepaid card

Hello, happy Saturday to those reading and ( hopefully having a better day than I am. I am writing because, since XXXX, it has been nearly impossible to make purchases with my chase card due to it being randomly declined all the time. For instance, right now, my pending charges, credit limit, etc. do not add up or make sense ( see screenshot ). Furthermore, the main reason I am writing in, which is directly related to this messed up information, is that I can not even use the credit limit that chase says I have. I am supposed to have {$800.00} in credit, yet I was unable to make a {$780.00} purchase. Why am I unable to use my credit line? And why has my card not been credited for the {$2000.00} or {$2200.00} payments that I asked you to credit earlier this week? ( When the same exact thing was happening and preventing me from using my credit ). I should see these amounts credited back to my checking account with you all ( the one I just opened under my name ). My ( checking ) balance is currently {$1000.00}, and I need to see it at {$5300.00} ( and my credit card balance, the amazon prime rewards XXXX card, reset back to XXXX, with no additional charges to my account ). Additionally, I was trying to make a transfer the other day with XXXX from my chase account, and it took like three attempts and over an hour. Your app glitches every time I use it, at least once, and it has been affecting my ability to spend and live ( and ruined my life ). You need to pay me/do the things I am asking you all to do in this complaint, or I will simply add these things to the damages ( plus emotional distress, loss of time, loss of consortium, loss of reputation with the businesses from whom I purchase ... ). I respect you all enough to make you own decision ; however, I encourage you to cash out my investment ( and pay me ) now, as I am going to earn much interest at your expense should you fail to comply with my request. Its up to you. Choose wisely, and be prepared to deal with the consequences. Its time to take some accountability.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account and charge offs. This account is hurting my ability to obtain credit. it's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. it is illegal to report information on my credit report without my permission. Please remove this item frm my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please see previously filed CFPB complaint ( XXXX ) This is a complaint from XXXX XXXX ( represented by XXXX XXXX XXXX XXXX XXXX XXXX ) against TD Bank. We have made multiple attempts to communicate with TD Bank regarding this matter being reported on consumer 's credit report. TD Bank has not responded to any correspondence except the previously filed CFPB report, in which they claimed to have not received a Power of Attorney. When we called TD Bank, they claimed that they had received the original Power of Attorney we sent, but it had been too long and we would need to send another. They claimed they could only receive it via fax -- we sent it both via fax and mail. The fax number they had given us was broken, and they have yet to respond to the letter.
Product: Credit reporting or other personal consumer reports

To whom it may concern Please freeze all credit reports or related as it pertains to my name I have included a copy of my drivers license and Social Security card Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXXXXXX XXXX, The furnisher of the information and I requested that they conduct a investigation for for these items in question under FCRA Sec. 623. This accounts was charged off but still was reporting balances on both. I sent the letters off dated XX/XX/2018 requesting this info. Since, that time I have received a numerous replies, that has been filed. Now, as of XX/XX/2018, I received a letter stating " you did not indicate what specific information I was disputing '' and to contact the reporting agencies about these accounts.
Product: Credit reporting 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 accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from XXXX, Transunion and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

Transunion incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and an unknown person attempted to purchase a vehicle using my personal information and credit. This resulted in the dealership running my credit and then sending the application to dozens of lenders in attempt to get an approval. This ended up placing dozens of inquiries only credit reports that were not mine, that I did not authorize and that were the result of identity theft. 
I have aske them to remove them and so far they have not and have refused to act on my requests. 
I am requesting that you instruct or order them to remove the unlawful inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Experian bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. The Bureau responded that " Outcome - Processed '', nothing was done whatsoever to remediate the problem and remove the account from the report. Additionally, they state in the letter that was sent that one of 3 outcomes would happen, 'Deleted ', 'Updated ' or 'Remains '. They did not provide clear information what was done. I Provided legal documentation, federal law title, code and subsection, Along with the federally recognized cancelation document and they didn't remove the canceled account. instead the company did nothing but refresh information which caused my credit score to decrease, this is illegal. Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas  Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My life is still being hack and trauma to it someone keep using my name and social security number .i keep disputing and nothing coming off i feel like this have torture my life and i get denied if everything because someone so cruel stole my life .I am a identity theft victim and its so sad .I need all my name to be clear i done everything and no one helping me at all. its so many errors on my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX 
on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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. 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 # ( private case number ) 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: Mortgage

This was with Wells Fargo mortgage company who foreclosed on my grandmother property at XXXX XXXX XXXX. XXXX, XXXX, Alabama XXXX. I saw the new regarding the lawsuit against Well Fargo regarding bad loans and I think my grandmother is apart of this. Will you please have them contact me at XXXX? Her old account number for the mortgage loan is XXXX. She passed away in 2017 but before passing away the house was foreclose on. My dad and aunt are still living if any money is owed to my grandmother.
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. 

XXXXXXXX XXXX  XXXX account # : XXXX XXXX Amount {$5.00} XXXX XXXX XXXX account # : XXXX XXXX Amount {$1100.00} XXXX XXXX XXXX  account XXXX : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 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: Debt collection

XXXX XXXX ( XXXX XXXX ( Direct ) ) has contacted me several times and I have repeatedly told her that I am having health issues and have next to no income due to my health. I also told her that I was attempting to work with the original creditor. She became verbally abusive in her language in an attempt to bully me into a payment arrangement in a way that made me believe that she would make it XXXX XXXXXXXX for me if I did not make any arrangement. 

I did make one payment about a month ago, following it up with an email saying that I never want to be contacted by this woman again moving forward. Today I get a payment reminder from her. 

I have told her and that company about this and still she contacts me.
Product: Credit card

I applied for the Citi Bank XXXX XXXX XXXX XXXX that included a XXXX miles bonus and was approved on XX/XX/XXXX, since this date I have been monitoring my incoming mail to confirm receipt and avoid any issues. I have communicated to Citi Bank numerous times concerned about the delay in receiving my card and all they tell me is to continue to wait one more day etc. On XX/XX/XXXX I received a text message and a automated phone call stating that the card was returned to Citi Bank and to call them that my mailing address is incorrect. The many times I communicated with Citi Bank I had to verify my identity and my address was never an issue because it is recorded correctly with them. I called Citi Bank XX/XX/XXXX and notified them of the messages I received, the representative canceled that card and processed another card this time expedited for receipt in two days. I visited my Citi mobile app today XX/XX/XXXX and a new credit card number # XXXX was created and then I noticed that said " Account Closed ''. I went ahead and contacted Citi Bank once again immediately XX/XX/XXXX and reported this to them and the representative advised me that the previous representative I spoke with on XX/XX/XXXX did everything wrong and that he was going to contact customer service to assist and correct this problem and errors made to my account, finally I need to wait 7-10 days for an update.
Product: Credit reporting or other personal consumer reports

XXXX {$1300.00} ( XXXXXXXX XXXX XXXX XXXX XXXX  {$540.00} ( XXXX ) XXXX XXXX XXXX XXXX {$8100.00} ( XXXX Reached out for documentation associated with the status of the accounts.Looked at my consumer report and we all closed and charged off.
Product: Payday loan, title loan, or personal loan

I paid in full the balance and closed a home equity line of credit ( HELOC ) in XX/XX/XXXX with Bank of America. Bank of America NEVER discharged the loan, leaving me with a lien on my property. This negligence on the part of Bank of America is unacceptable, as is their bureaucratic process for the consumer to try to resolve! This is severely impacting my ability to sell and close on my home which is otherwise paid in full and should be free and clear of any lien! Im closing on my home sale in XX/XX/XXXX and this is a huge issue.
Product: Credit reporting or other personal consumer reports

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account appears on customers credit profile twice. I have reached out to both XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX