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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have 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 an 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 or 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 data is inaccurate.

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Drive Now Acceptance repossessed my vehicle and then processed a wage garnishment. No matter what they wo n't report that the account is in collections or charged off or is repossession. They keep telling me and the credit bureaus that the account is open. This is false and they should stop these deceptive false reporting and fraudulent claims against me when they are clearly violating my rights as well as FCRA regulations as a furnisher.
Product: Mortgage

M & T Bank has refused to address our issues. M & T Bank has refused to provide a Power of Attorney for XXXX to act on their behalf, as required in our XXXX office. XXXX is either M & T Bank 's agent or not. M & T Bank refuses to state as to whether or not XXXX is acting on their behalf. This is despite an assignment and discharge recorded in XXXX XXXX -- 14 years after our payoff - by XXXX, on behalf of M & T Bank, without the required valid and legal Power of Attorney ever being recorded in our XXXX. We demand that M & T Bank simply answer our question, provide a valid Power of Attorney recorded in our XXXX -- or say that M & T Bank can not provide a Power of Attorney. This request is simple, and M & T Bank has failed to respond - multiple times. It has also been requested that M & T Bank explain the discrepancy in " loan '' account numbers. We request that M & T Bank immediately respond to our request. M & T Bank 's response is for us to hire an attorney. We should not have to hire an attorney until M & T Bank properly responds to our requests through the CFPB. 
Thank you, XXXX and XXXX XXXX
Product: Student loan

I have tried contacting ACS Education about my loan status since I no longer can log into my account for 3 weeks now. I never received an email or phone call about my loan. I looked online and realized a possibility is my loans were bought and transferred to another company. How am I supposed to figure out which company my loans are with if no one will get back to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am attempting to view my Full Credit Report and Score online through TransUnion website. First of all, its requesting money to show me my Credit Score. I can only manage a Credit Freeze only.

Secondly, I am unable to view the actual names of Companies that TransUnion claims on the report, it only gives Debt owed, etc.

Lastly, cI went through the trouble a few weeks ago to delete old, outdated addresses and phone numbers, but when I log back in, they're still there!

This is the absolute WORST credit agency around! And yet most places where I apply for vehicles, etc use them!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request to dispute inaccurate information in my credit file and 3 Credit Bureaus ignoring my letters because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! there is no other than filling my complaint, Im the who filling this, I seeking a assistance to delete the inacuracies in my credit report. The items listed below are fraudulent and must investigate and delete. 
XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Mercedes Benz has not followed the TILA laws nor have they followed the Sate Law of Texas. This form of communication is to place them on notice that Arbitration is needed, there is a dispute about my rights as a consumer and this alleged vehicle lease. I have contacted MBFS for 2 years going back and forth and they have only stated opinionated and business cultured responses, just because this is how they have done things for so long doesn't mean its a law or right. 

I have given them every law and the meaning of the law and explained to them how breaking the law caused emotional damage to me, however they continue to either not respond nor have they responded with an affidavit. 

Attached is a notarized copy of revocation on power of attorney. 
Attached is a notarized copy of my right to rescind the alleged vehicle lease contract Attached is a notarized copy of an Affidavit of truth and final opportunity to cure with 4 counts of violations on The Federal and State level.

Im demanding that the attorney contact me via CFPB to address the dispute. I do have the right to take this case to federal court which is my jurisdiction as a Consumer has power and is respected. With going to Federal court and having the courts hear my case based on Truth and Facts will allow other consumers to use my winning case as case law costing MBFS tons of money in settlements and lawsuits.
Product: Credit reporting or other personal consumer reports

In 2024, inaccurate information regarding a collection with my name was reported. I contacted the collection agency on XX/XX/year> to address the issue, specifically pointing out that the social security number they had on file was incorrect. Despite my efforts, they have repeatedly failed to remove this incorrect information, leaving me in a difficult position. As a result, Ive been rejected by multiple apartments due to the inaccurate data on my credit report. 

Feeling I had no other choice, I made a payment of {$860.00} to the XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I received a satisfaction of debt letter from them on XX/XX/year>, and filed a dispute with Equifax on the same day. The collection agency assured me they would delete the incorrect information by the following Monday, as they claimed they send updates to the credit bureaus every Monday. I waited two weeks to give the credit bureau enough time to update their records, but nothing changed. 

Today, I called Equifax and went through the verification process with a live agent. After submitting my drivers license and a selfie for authentication, I explained that the inaccurate information needed to be removed and that I had proof that the debt associated with my name had been paid. However, the agent told me they couldnt delete the record. 

I then called the debtor, XXXX XXXX XXXX, and spoke with a representative in XXXX, who seemed to be the only person in the office. She was extremely rude, yelling at me and asking why I was calling. She claimed she didnt care about the bureau because the debt had already been paid. When I tried to explain that she had previously told me they reported updates every Monday, she continued to talk over me, eventually hanging up the call. 

This is the only collection account on my credit report, and Ive been fighting to resolve it, despite the fact that the social security number associated with the debt is no longer mine. I made the payment because I am the one suffering the consequences, but no one is taking responsibility for the inaccurate information. XXXX  wont acknowledge the error, Equifax is unwilling to assist, and the collection office of XXXX XXXX refuses to listen, despite all of my efforts to resolve this issue. Now, Im out of money and at risk of not being able to relocate as planned because this incorrect information remains on my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/year> - {$210.00} XX/XX/year> - {$4900.00} XX/XX/year> - {$1000.00} Sent money to the incorrect recipient due to warnings not appearing. There was no way to check. I contacted support multiple times in which I was just told that my money is gone and there was nothing they could do. Unacceptable and against guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove a fraud alert. They say I gave them the wrong social security number when I requested it be removed. That is not true. I triple checked my forms for accuracy. I am in the process of refinancing my mortgage and they are holding up the process.
Product: Credit reporting or other personal consumer reports

Portfolio Recov Assoc has stated that acct # XXXX, on my credit report, is an " OPEN '' / " INSTALLMENT ACCOUNT ''. This is inaccurate. If XXXX is the original creditor, and the debt was charged off ( as indicated ), then I have no account with this company, no installment account, and the status is closed. 

Portfolio Recov Assoc has stated per " No. of Months ( terms ) '', I have a XXXX month term ''. This is incorrect. What terms and agreements did I sign and agree with, when they purchased this debt? None! So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, clearly no payments past due to Portfolio Recov Assoc ) Portfolio Recov Assc has stated the date of last activity is XX/XX/XXXX and XX/XX/XXXX. This is a contradiction, and is also inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute & Request for Deletion of Inaccurate Account [ XXXX XXXX  ] Dear Credit Bureau, I am formally disputing an error on my credit report regarding the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged-off with incorrect balance The balance reported on this account is inaccurate. 
The correct balance is {$0.00}, yet your records show a past due balance of {$36.00}. 
This misreporting is negatively impacting my credit and must be corrected immediately. 

Request for Immediate Action I request the following action under the Fair Credit Reporting Act ( FCRA ) : 1. Conduct an immediate investigation into this discrepancy.

2. Provide written confirmation of the results of your investigation within 30 days, as required by law.

3. If the furnisher of the information ( XXXX XXXX  ) can not verify the accuracy of the balance, this account must be removed entirely from my credit report. 

I have attached supporting documents that verify this accounts true status. Please consider this letter as official notice of my dispute. If this information is not verified within the time required by law, you must immediately delete this account from my credit report. 

I attached my proof below of all my payments. 

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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there is anunauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I've opted out when I opened my card and they ignored my letter after I sent it in countless times. They've violated 15 USC 6802 and the privacy act of 1974. The charge off is sitting on my credit report. I've tried contacting the credit bureaus to remove it but they don't believe me despite citing the USCs and UCC. I can not buy a car due these things being on my credit report. I can't apply for business loans for my business.
Product: Debt collection

I demand the immediate removal of late dates associated with the disputed items on my credit report. The furnisher 's failure to respond to verification requests is a clear violation of the FCRA, and I insist that the credit bureau comply with the law by promptly updating my consumer file. Take swift action to delete the inaccurate late dates and rectify this matter in line with the Fair Credit Reporting Act. The following account is in dispute : DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00}, and DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX