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

Equifax continues to report inaccurate information on my personal credit report. Send disputes to verify. They per Equifax comes back verified. 
When ask Equifax to verify as per FCRA how they verified never received info. They continue to report inaccurate information. Then when called they change and re report inaccurate. Please remove this at once. Its over the time and incorrect. Remove at once. 

I have attached before and after copies of what they keep reporting inaccurate. Many months no data. No dates of last activity. Then they revise or change the info and repeat. In violation of FCRA. 

The following violations are listed below : 15USC 1681 ( I ) 5 Inaccurate unverified information must be removed. Several account listed : 21 st mortgage, US Bankruptcy Court when contacted the courts they do not provide any information to either companies. When disputed, per these companies came back verified. But never sent any information as to how, whom they spoke to, the procedure used to verify and prepare this information which is all my consumer rights with the FCRA.

I have attatched the bankruptcy listings, the mortage listings all of this inaccurate information listed greater than 69 days. Then when you dispute they relish a different way and then send you the dispute they never sent or verified. I know my rights. 

There were several addresses listed on my report XXXX never lived. Equifax updated as former address. Please remove update my files immediately. Not 30 days or 46 days. There has been ample time to dispute and correct none of which has been done in addition to in violation.
Product: Student loan

Naviant/pioneer attached my wages. I tried contacting them to resolve the issue. I finally had to hire a lawyer to get the matter taken care of. Pioneer was impossible to get a hold of. They repeatedly gave my lawyer incorrect phone numbers and addresses would n't return paperwork. It took three to four months to finally get the information we needed to request a hardship hearing. XXXX I received a hearing decision to reduce my garnished amount from 15 % to 1 %. as of XXXX Pioneer had not sent the letter to my employer reducing the garnishment. As of today XXXX I am still being garnished 15 %. According to Federal Student aid as of XXXX my remaining balance was {$100.00}. My wages were attached for XXXX on XXXX, XXXX on XXXX, and finally XXXX on XXXX totaling XXXX, XXXX over what I was supposed to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account : XXXX XXXXXXXX Account Number : XXXX Account : XXXXXXXX XXXX  Account Number : XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX XXXX5 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 any other adverse item if 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 the the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX  {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

XXXX removed account according to do XXXX and XXXX  Dispute file XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) 1ST FRANKLIN {$5100.00} Account number XXXX XXXX  {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item immediately.
Product: Money transfer, virtual currency, or money service

I was scammed XXXX through crypto. The XXXX wallet
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
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 TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : HXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 # ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes Credit Acceptance Corporation ( CAC ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state CAC has been actively pursuing collection of the above-referenced account. However, referencing a CAC letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my XXXX  report and lastly, page 3 of my XXXX report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile.

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information.

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting CAC remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Product: Debt collection

LJ Ross & Associates called me on XX/XX/24 at XXXX CST. I answered the phone and there was no one on the line because they were using an automated dialer. I repeatedly said " hello '' with no response then their system hang up on me. The system did not identify who they were or in any way speak or make any noises. 

I called back to determine it was LK Ross & Associates. I tried to rectify the issue of them calling me without a collector available using an auto dialer. However, upon speaking to a supervisor he told me to just go the route of filing a complaint... so here it is. 

I believe this is a violation of my rights under the FDCPA and the TCPA. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Follow-Up Dispute Unauthorized complaint # XXXX Hard Inquiries ( Failure to Provide Proof of Permissible Purpose ) Dear Equifax Disputes Department, I am following up on my previous dispute regarding multiple unauthorized hard inquiries appearing on my Equifax credit report. Despite my request for documented proof of permissible purpose, your response merely reiterated that these inquiries are a factual record of file access. This generic response fails to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which explicitly states that a company must have a legitimate, documented reason to access my credit file. 

The following entities have conducted unauthorized inquiries on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that Equifax immediately provide the specific documentation each of these entities provided, including the exact permissible purpose they claimed under the FCRA. If Equifax can not furnish such documentation, you are legally obligated to delete these inquiries under 15 U.S.C. 1681i as unverifiable and inaccurate information. 

Failure to Comply Will Result in Legal Action If Equifax does not fully investigate this matter and continues to report these inquiries without verifiable proof of permissible purpose, I will have no choice but to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with federal consumer protection laws.

2. Initiate legal action for willful or negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 1681o, which entitles me to statutory damages, actual damages, and attorneys fees. 


3. Seek injunctive relief to compel Equifax to remove the unauthorized inquiries through a formal lawsuit. 



I expect a substantive response within 30 days, including either verifiable documentation of permissible purpose or the immediate deletion of these inquiries from my credit report. Failure to do so will escalate this matter legally. 

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

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX the servicer of my loan and they stated they have been updating my account information to Experian, XXXX  and XXXX. 

The credit bureaus have not updated my account since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked that Transunion update my consumer report with my correct name. And there is a bankruptcy XXXX XXXX on my credit report, and I asked how and who did Transunion speak with and names relation and addresses to whomever they spoke with that validated this bankruptcy. I have not received no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a request stating that the payment history for XX/XX/XXXX and XX/XX/XXXX was in correct, they never replied with written results but instead updated my credit report to reflex more negative credit payment history. 
I feel as if the company is purposely trying to destroy my payment history just cause of my dispute. 
For example it was reposting XX/XX/XXXX XXXXXX/XX/XXXX 
I dispute ever being late in XXXX and they updated my credit report to XX/XX/XXXX XXXXXX/XX/XXXX and XX/XX/XXXXI think it's my penalty for even asking.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168 : Equifax, Experian, TransUnion for their repeated failure to correct inaccuracies and update payment histories on my credit report, despite providing clear evidence I disputed the inaccuracies listed on the doc attached as " XXXX XXXX XXXX XXXX XXXX '' several times with the credit bureau ( s ) to no avail. I have sent dispute ( s ) via certified mail and filed a cfpb complaint XX/XX/year> outlining the errors and to try to resolve these issues - Incorrect payment status ( e.g., " late payments '' reported despite on-time payments ). 
-Missing or incomplete payment histories XXXX -Charge off account with past due balances -Inaccurate negative account remarks - Failure to update payment history to reflect " Paid as Agreed '' after full settlement. 
- Outdated addresses/names still listed, increasing fraud risk. 

These errors have caused denial of credit higher interest rates employment rejection harming my financial standing. 

The credit bureau ( s ) have repeatedly violated the FCRA by : 1. Refusing to correct inaccuracies despite receiving proof by receiving all 3 credit bureau report for side by side comparison 2. Failing to conduct a reasonable investigationunder FCRA 611 ( a ) ( 1 ) ( A ).

3. Ignoring requests to update payment histories, misleading creditors about my creditworthiness.
Product: Credit card

citi bank offered me for a citi XXXX XXXX XXXX XXXX card in the month of XXXX XXXX with the following offer. 
I can purchase a phone of up to XXXX $ from XXXX store and they will refund that amount in full as long as following criteria is met 1- I spend XXXX $ in the first 3 months 2- I keep the XXXX phone in-service for at least 15 days. 
I got card and tried to use the link provided on their website to purchase the phone. The offer specifically mentioned that if the purchase is of more than {$650.00}, the company will just refund {$650.00} and not the actual amount of the phone. as I could not use the link provided, so I contacted their chat support and the representative mentioned that if the link is not working, then I should purchase the phone in store and Fax the receipt to them on fax number : XXXX. I sent the FAX to them on XXXX XXXX XXXX. I contacted their chat support after 2 days and they mentioned that the receipt of fax takes time. I waited patiently and contacted them in on XXXX XXXX XXXX when they mentioned, that they have received the fax but XXXX $ credit will take XXXX billing cycle to be credited to the account. 
I contacted them before the XXXX billing cycle which was on XXXX XXXX XXXX and they said it may take upto XXXX billing cycles. now the XXXX billing cycle is completed on XXXX XXXX XXXX and there is n't any credit back for {$650.00} to my account. 
I contacted them again today and they are saying they missed the fax as it was sent on incorrect number. and they want me to send it once again to a different number. So for the past 4 months I am just trying to settle this {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are all fraudulent, has previously been deleted from my credit report by XXXX countless times and keep reappearing on my credit report : XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$19.00}, XXXX, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX/XXXX, {$1700.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$22000.00}, XXXX  XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$29000.00} and XXXX XXXX XXXX XXXX, {$370.00}
Product: Credit reporting or other personal consumer reports

I am disputing these agencies claim : ( Midland Credit Management Acc # XXXX ; ( XXXX XXXX # XXXX ; And I am requesting validation from you pursuant the Fair Debt Collection Practices Act,15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which Im allowed under the FDCPA. XXXX has continue to report this on my credit knowing they did not receive proper documentation neither did the consumer receive documents for these account to be added to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get PORTFOLIO RECOVERY to be removed from my credit report. PORTFOLIO is reporting an inaccurate balance amount of {$10000.00}. Account status says open and it says I'm 120 days late on XXXX XXXX, but the XXXX and XXXX of 2020 report say " OK '' status. I have disputed with all three major credit bureaus to with no removal of this account. I have sent letters directly to portfolio recovery in an attempt to resolve this matter. this company is reporting inaccurate information and in doing so it really hurts my credit score.attached is a recent identityIQ credit report marked for your convenience.
Product: Checking or savings account

I opened a checking account with Wells Fargo on XX/XX/XXXX. A transfer of {$25.00} for the opening deposit was initiated from my XXXX XXXX account. I closed the Wells Fargo account the same day. The {$25.00} were debited from my XXXX XXXX account, but according to Wells Fargo the funds were never deposited to my account there. Both banks refuse to help. I want my funds returned to me.
Product: Credit card or prepaid card

I went to a trip to the XXXX XXXX and for the first time, my wife lost her passport and we went through multiple adaptations to deal with it and it cost a lot of money. The XXXX system usually helps with transfers Immediately and upon arriving late, the hotel that is supposed to be 5 star, refused to transfer our room to the adapted date. XX/XX/XXXX I call american express to call it a fraud and unauthorized charge and they said no, it's an insurance claim for a small {$500.00}. This doesn't cover the actual charge well over this amount. The actual charge is attached. The charge never says the hotel is non-transferrable. It says non refundable and the hotel said they would've taken the transfer if they heard the day before, but they never answered the phone and hotels.com even tried. What I mean by that is they take the call but say the " person who can help isn't here right now .... '' XXXX didn't try hard enough again until monday after the friday start of the room charge. I never used the room and XXXX and the hotel misrepresented themselves as a fraud. XXXX in the past would've offered me immediate service and they failed this time. The hotel acted like a 2 star and not a 5 star. On an added note, the centurion club in XXXX airport is half the size for what's appropriate for one of the biggest airports in the world. I couldn't go in there because there was an hour wait and I wasted money on dinner.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are late payments reported by XXXX XXXX XXXX  XXXX XXXX during XXXX XXXX pandemic.. according to the CARE ACT and The Hero XXXX XXXX XXXX creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the XXXX  XXXX pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful. I demand XXXX XXXX XXXX XXXX XXXXXXXX Remove all adverse information reported during XXXX  XXXX pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XX/XX/XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.
Product: Debt collection

A credit I obtained during college over 12 yrs ago was n't paid off. I have no idea what the actual balance is since I have n't rcvd any docs to support. I rcvd a notice of garnishment a wk ago, and the garnishment began today. The dates on the docs are from 2011 and at an address I have n't lived at for over 5 yrs. It was signed by someone I do not know and the person was n't at my home. I think it could 've been a groundskeeper at that apt complex. The court told me a notice was also taped to the door according to RAB Performance. Again, I had no notification of any court dates. I have since been told there is n't anything I can do at this point since I did n't attend the court date. I was also told I could n't appeal the decision since it 's beyond a certain number of days, but had I been properly notified, I would 've been able to attend court and/or appeal the decision.
Product: Money transfer, virtual currency, or money service

I have consistently tried to close my PayPal account -- -even writing a letter to the company and all I have gotten are " canned comments '' wanting me to open an account so I can close it!!!! No way to talk on phone. There have been several companies that ( even though I have given a credit card to purchase an item ) have sent it to PayPal!!!!! I am very frustrated.