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

Business Credit Report Issues with Equifax Complainant : [ Your Full Name ] [ Your Title/Position ] Required XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Telephone : XXXX Email : XXXX Subject : Inaccurate Business Credit Report and Lack of Resolution Case Details : Since early XXXX, the business credit score for XXXX XXXX XXXX XXXX has significantly decreased despite all payments being made on time. Equifax 's reports continue to reflect a Business Delinquency Score that is inaccurate and does not align with the financial behavior of my business. 

The Business Delinquency Score dropped from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, despite having no delinquencies, no past-due balances, and maintaining a Payment Index of XXXX. This ongoing error has negatively impacted the reputation and creditworthiness of my business. 

I have made numerous attempts to resolve this issue with Equifax, including : XXXX Customer Service : I have contacted Equifax 's customer service several times, but my concerns were either dismissed or no action was taken to investigate or resolve the issue. 
Emailing Equifax : I sent several emails to XXXX, providing documentation and requesting clarification. However, my emails were ignored, and I received no meaningful responses. 
Attachments : I have attached copies of the following documents for reference : Business credit report from XX/XX/XXXX Business credit report from XX/XX/XXXX Business credit report from XX/XX/XXXX These documents show the consistent on-time payments and lack of delinquencies while highlighting the unjustified decrease in the Business Delinquency Score. 

Impact on XXXX : This incorrect reporting has negatively impacted XXXX XXXX XXXX XXXX by creating an inaccurate perception of financial risk. It has caused unnecessary difficulties in securing business relationships and potential credit opportunities. 

Request for XXXX : XXXX a thorough investigation into the XXXX credit report for XXXX XXXX XXXX XXXX. 
Correct any inaccuracies in the Business Delinquency Score and other reporting. 
Provide a detailed explanation for the scoring methodology and any factors impacting the current score. 

Additional Issue : Problems Updating Business Address Along with the inaccuracies in the business credit report, I have also encountered significant challenges in updating XXXX XXXX XXXX XXXX 's new physical address in Equifax 's records. Despite providing all the necessary documentation and making several attempts through phone calls and emails, the new address has not been updated. 

The current address on file is : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX The new address that needs to be updated is : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Impact of Address Issue : The failure to update the physical address has created unnecessary confusion and complications, including delays in correspondence and potential impact on our business profile 's credibility. 

Business Address Update email problems.
Product: Debt collection

Constant calls harassing and threatening legal action against me if the debt is not paid
Product: Vehicle loan or lease

On XXXX XXXX i received an XXXX loan from TMX finance of XXXX, Ga XXXX from an employer that i formerly worked with, i recently filed a complaint that said the company made no wrongs. knowingly giving a recent employee an loan is not acceptable. the car was sold at an recent auction, i made an attempt to pay the loan an i have proof that i attempted to pay the loan by bill pay from my bank and was told that they could not accept my first payment. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So today, I pulled my consumer credit reports with XXXX and TransUnion and I immediately noticed a host of FCRA violations in regards to the DEPT OF ED/XXXX accounts being reported without my permission. Lets take a look at section 15 U.S. Code 1681 and see

what Congress has to say about this section : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings

: ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. Now lets look at another section of the FCRA 15 U.S. Code 1681b and see whats being said in that section : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a Consumer, a couple things stood out. First I never provided written instructions as is required under 15 U.S. Code 1681b to any Consumer Reporting Agency to furnish my reports, and by doing so without that permissible purpose, you have damaged my reputation and infringed upon my right to privacy as a federally protected Consumer.
Product: Debt collection

Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time-consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been unemployed since XXXX : Navient has been sending me harassing letters and calls every week saying they will take me to court if I ca n't come up with {$300.00} a month for their payments. I have contacted this company several times to tell them I am unemployed and have still received
Product: Credit reporting or other personal consumer reports

I was identified as having a massive identity theft issue against my accounts. There were cards that were opened in my name and never paid off. I went through the t process of having my credit reports locked and the subsequent companies that the feed into the credit reporting agencies such as, XXXX, XXXX, XXXX. I was told that they have directed that a freeze be placed on my information. But I believe that this has not been done. Please ensure that this has been done.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my Trans Union that do not belong to me that I demand be removed 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave Oliphant USA LLC any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the account listed IMMEDIATELY! Oliphant USA LLC {$420.00}
Product: Checking or savings account

On XX/XX/XXXX me and business partner hired a company called XXXX XXXX XXXX to dispute a county tax lien that we had from one of our previous businesses. XXXX XXXX XXXX guaranteed and promised that they will dispute our tax lien by paying them {$5000.00} ( XXXX XXXX dollars ). Me and my business partner waited 2 months patiently for them to act on our matter and were hoping that our lien issue with the state of Michigan was over with. When we contacted XXXX XXXX XXXX in XX/XX/XXXX they told us that they have not worked on our case and had no idea how much the amount we owed was basically they took our money and didnt provide any services. 
Me ( XXXX XXXX ) and my business partner XXXX XXXX decided to dispute the charges XXXX XXXX XXXX took from us XXXX from each person due to not providing us any services and not working on our case. 
I contacted my bank ( BANK OF AMERICA ) to dispute the charges unfortunately XXXX XXXX XXXX provided them documents which I never signed saying Iam okay with them taking my money even if they dont resolve my case. 
XXXX XXXX bank ( XXXX Bank ) was able to refund His XXXX charge and were able to investigate the case the right way My complaint is against Bank Of America for not being able to get my money back for me and telling me time fram is over even when I provided them documents on XX/XX/XXXX which was before the ending time frame period to have them reivestgate that company and find out how XXXX XXXX  was able to refund XXXX XXXX XXXX back however Bank of America did not put any effort and did not reivestgate and gave me the runaround for 10days till the time frame was over My second complaint is against XXXX XXXX XXXX for taking my money and refusing to refund me the charges.
Product: Credit card or prepaid card

On XX/XX/2023, I tried to withdraw money from an ATM, but it did not dispense any funds. However, the amount was deducted from my card. As a result, I filed a dispute on XX/XX/2023. Despite that, I have not yet received a refund from XXXX and I urgently require the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
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 XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 card or prepaid card

Hi there. 
So I've been waiting for my XXXX money for over a year now and come to find out someone received my car somehow got all my information and was able to collect my cash each pay period and instantly go to a bank and cash it out. Me and my family have been broke waiting for this card to come while someone out there was spending it this whole time while we suffer. And I can't get bank of America to help refund any of my money nor will they help because to them I'm technically not a customer. Me and my family need this money and I only found out because I got a letter saying my information has been stolen from another company that I use. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX 15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I ask Experian to verify information cause I never seen this collection which it appear in XXXX for took more the 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am inquiring about two accounts with the name of BRCLYSBANKDE. The account numbers are : XXXX & XXXX. 

I was not provided accurate consumer disclosure files under FCRA Section 609 ( a ) ( 1 ). I am also requesting the dates of first delinquency, as well as the FCRA compliance dates, along with the name of the party who reported the dates of first delinquency. I was not provided this information. 

My rights dictate my ability to obtain this information. 

I believe these two accounts are being re-aged, which is an illegal practice under consumer protection laws. Please remove these two accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX XXXX - XXXX and XXXX ; XXXX - XXXX ; XXXX - XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX and XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; XXXX ; and XXXX ; XXXX XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that CCS updated this entry on my credit reports as recent as XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by CCS. To that end, I sent a letter CCS ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. I have attempted several times by mail ; but to no avail. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from CCS, only to be ignored proves they are unable to justify their inaccurate reporting, and explicitly reflects their inability to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that CCS is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.
Product: Debt collection

This debt is more than XXXX XXXX XXXX, and this collection company used to be called Zion debt holding starting harassing me in XX/XX/XXXX has changed their name, and re-filed the debt under their new name of XXXX XXXX XXXX XXXX XXXX XXXX I have finally got my score up in XXXX but this has cause lots of problems and damages Financially to me please fix