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

Disputed multiple credit inquiries on credit report on  XXXX   XXXX ,  2017 . The credit bureau responded after the 30 days indicating that they were unable to " read '' my request. However, other than my signature that document was completely typed. This delay tactic has occurred each time I dispute with the credit buruea.      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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told Experian, XXXX and XXXX to reinvestigate these accounts name and number is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$0.00} SELF / LEAD XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

I have been getting harassed about my car insurance. I have been paying my car note every month on time and I also have my own insurance through XXXX XXXX, I have showed that to the company I have gotten the car from which is ganas auto. They have took some of the money that I paid my car note with and put some of it towards their in-house insurance that i dont even pay for. The first copy I sent was XX/XX/2023 and I was told that she have received it and that they want be charging me any more. Then I just got another call XX/XX/2023 about the same thing and I showed proof that I have insurance. And now I just got another call this morning XXXX about the same thing.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are included for your review and reference.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022 my account was closed unlawfully Pursuant to 12 CFR 1002.7 1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname.

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Product: Debt collection

This debt appeared on my credit report without my knowledge of the debt existing. I do not owe this. I then received threatening phone calls that I was going to jail. Tried to have it removed from my credit report but apparently they have false documentation
Product: Debt collection

Today XX/XX/2021 I received a phone call from affiliate services. The lady let me know she was calling in regards to a medical debt. I informed her I was currently paying medical debt from another collections agency, and could not afford to pay that debt till my other debt is resolved. She then said I was lying about student loans and rambled on with out listening to a word I said. She told me to reach out to family for assistance. Which set me off having my father die two months ago, and being estranged from most of my family. She would not listen too anything I said and wanted to talk over me.
Product: Credit reporting or other personal consumer reports

Company in violation of 15 U.S c 1666b Timing of payments.
Product: Debt collection

This company is calling XXXXXXXX times a day morning and night. Not sure why they are calling.
Product: Credit reporting or other personal consumer reports

I RECEIVED COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD XXXX XXXX XXXX ACCOUNT OPENED UNDER MY NAME WITHOUT MY KNOWLEDGE. 

THIS FRAUD ACCOUNT NUMBER XXXX SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT BALANCE IS {$5200.00} AND I BEEN IN TOUCH WITH THE CREDITOR AND THEY AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Gm! Over 30 days ago I sent a letter by mail to this company requesting them to validate the debt on an account reflecting on my credit. It was not a refusal to pay but to validate why they felt the debt was mine. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, my complaint is that Equifax is not investigating any of my disputes of public record. I have challenged the accuracy, compliance and reportability of the listing in my credit report. Since XXXX, XXXX I have submitted disputes with Equifax 3 times referencing a public record of my credit report. Each time the results would say the public record was verified from information obtained from local, state and federal courts through a third-party vendor, XXXX. Well, I have had an active freeze with XXXX since XXXX, XXXX, and I have an active Suppression of public records in place. I have reached out to XXXX and they verified the freeze and the suppression. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws, and I provided a copy of this letter to Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating and then selling the information to credit reporting agencies. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Equifax Credit Bureau needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from my credit file. Equifax has not sent any validation documents. I 'm requesting assistance with this issue of them not properly investigating my dispute, per FCRA laws. I want the public record deleted from my credit report.
Product: Credit reporting or other personal consumer reports

There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year>XXXX  which I am quite clear about the accounts that were fraudulent and in issue.
Product: Credit reporting or other personal consumer reports

XX/XX/2022. I noticed some activities on my credit report that werent mine. So I contacted XXXX XXXX, Trans Union and XXXX XXXX and disputed all the inquiries credit cards and auto loans that I didnt recognize and did not authorize. When I filed a dispute, I furnished a police report for identity theft with a list of all the fraudulent accounts. 
A year later, some of the inquiries have been removed. None of the credit cards or auto loan has been removed yet regardless to the fact that Ive disputed these accounts numerous times since then, informing the credit reporting agencies that they are reporting inaccurate and fraudulent information.
Product: Debt collection

I told two callers, who call me at work ( they found my work number after I filed my income tax return in 2015 ), not to call me at work. I sent a letter to their Office of the Customer Advocate, but they still keep calling me at work but now it is with automated messages.
Product: Credit reporting or other personal consumer reports

XX/XX/year> sent letter requesting agreements XXXX XXXX XXXX  Various other credit cards reporting late
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX . 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


I also have inquiries on my experian account that I didn't authorize and unaware of. 

XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I informed the CRC 's TRANSUNION, XXXX, AND XXXX that they were furnishing information on my consumer report that is indeed a result of identity theft. Each CRC has failed to adhere to the federal laws one of which is to block information resulting from identity theft within 4 business days of notification.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of
Product: Debt collection

They are calling me at work, which is not allowed, literally every 15 minutes. 

They are also calling my cell phone every 15 minutes as well ( right before they call my office )
Product: Money transfer, virtual currency, or money service

Account was locked out. So hey stated my information didnt match. I sent them I for and was still declined access to account even to withdraw funds
Product: Credit reporting

Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX '' under the " Request For Your Credit History '' section it unlawfully list a : " XXXX XXXX ; XXXX XXXX XXXX ; XXXX, RI ; XXXX ( with NO telephone listed ) '' with the " Inquiry Dates '' of " XXXX/XXXX/XXXX '' and " XXXX/XXXX/XXXX. '' I have NO idea of this " XXXX XXXX '' and why they even unlawfully accessed my " Equifax '' credit report TWICE without my knowledge or approval since I have NOT applied for credit cards, etc. for the last 36 months!!! I am a victim of " Identity Theft. ''
Product: Credit reporting or other personal consumer reports

I am writing to complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with Experian concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX  in the amount of {$52000.00}, dated XX/XX/XXXXXXXX  and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX  to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. 

My credit card was declined on XX/XX/XXXXXXXX  at XXXX. Later that same day, I called XXXX and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXXXXXX  XXXX  did  a payment adjustment in the amount of {$520.00} on XX/XX/XXXXXXXX  for the payment dated XX/XX/XXXXXXXX  which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the XXXX  application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. 

Although the electronic payment was made on XX/XX/XXXXXXXX  and posted on XX/XX/XXXXXXXX  in the amount of {$520.00} pursuant to my phone call the previous day to XXXX, another payment in the amount of {$520.00} was returned unpaid by XXXX  on XX/XX/XXXXXXXX  for the payment dated XX/XX/XXXX. XXXX  XXXX XXXX had already done a credit adjustment for the duplicate payment of XX/XX/XXXXXXXX  on XX/XX/XXXXXXXX  which was shown on the XX/XX/XXXXXXXX  statement. This was clearly a XXXX  error. I am being unjustly penalized due to their actions. See attachments. I made payments to XXXX  for XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. Thank you for your consideration of this matter.
Product: Credit reporting or other personal consumer reports

My Information was exposed in data breach of Equifax XXXX 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

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. USDOE/XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # 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 Section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX & XXXX Balance : {$95.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00}