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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Experian 's handling of a fraudulent account ( XXXX  XXXX, XXXX ) on my consumer report. Despite my compliance with all legal procedures, Experian reinstated this account, citing, " Account previously in dispute - investigation complete, reported by data furnisher. '' Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Additionally, I seek a detailed explanation as to why this account was not removed initially, despite my submission of the necessary documents, including my ID, Social Security, proof of address, and the original FTC Identity Theft report. I also request disclosure of the method of investigation used, as mandated by FCRA 611. Furthermore, I am aware of recent lawsuits against Experian for failing to properly investigate disputes, highlighting a troubling pattern of non-compliance with federal law. I expect Experian to complete its investigation and provide all requested documentation within the four-business-day timeframe required under FCRA 605B. Your prompt resolution of this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Vehicle loan or lease

This debit does not belong to me XXXX XXXX XXXX XXXX {$16000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan to pay off my credit card and I am paying more towards interest than the principal.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent a copy of a report with the late payments reporting on these dates XX/XX/XXXXXXXX XXXX XXXX  unlawfully. After I asked them to not report unlawful information based on source of Consumer law 15 U.S.Code 1666B Timing of payments & 15 USC 1681a ( d ) 1. This has burdened my credit report and hindered me from obtaining financing for a home and for my business.

These are the laws below 15 U.S.Code 1666B Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 USC 1681a ( d ) 1 ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report within 4 days after you receive this notice. I am willing to accept the deletion of these unauthorized and erroneous items instead of pursuing legal action for the violations committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 **Equifax** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Subject : Request for Verification/Correction of XXXX Financing Statement on Credit XXXX Dear Sir/Madam, I am writing to request verification and correction regarding XXXX XXXX Financing Statement that should be reflected on the credit report for XXXX XXXX XXXX XXXX The XXXX Financing Statement was filed on XXXX XXXX, XXXX, with the California XXXX of XXXX under filing number XXXX XXXX 

Attached are copies of the XXXX XXXX XXXX and subsequent filings, including : - The initial lien financing statement filed on XXXX XXXX, XXXX. 
- XXXX restated collateral filings on XXXX XXXX, XXXX ( File Number : XXXX ) and **XXXX XXXXXXXX, XXXX ( File Number : XXXX ). 
- A termination filed on XXXX XXXX, XXXX ( File Number : XXXX ). 
- An add collateral filing on XXXX XXXX, XXXX ( File Number : XXXX ). 

This security interest covers **all applicable collateral** as described in the attached filings and should be accurately reported on the debtors credit profile. Currently, it appears that this XXXX filing is not reflected on the credit report, and I request that you verify and update the report accordingly. 

Please confirm once the correction has been made. If additional information is required, feel free to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, ** [ XXXX XXXX XXXX XXXX ] **
Product: Vehicle loan or lease

Santander is attempting to collect an alleged {$16000.00} deficiency balance I am not obligated to pay. I disputed the legal validity of the alleged {$16000.00} deficiency balance, requested verification of the alleged debt, including the name and address of the original creditor. 

They have not provided me with the required notices before disposition of collateral, and explanation of calculation of deficiency as required under the law. 

As per the law I requested that they cease and desist all collection activity including all credit reporting. 

I promptly request deletion of all and any credit reporting to the credit reporting agencies and to write or email once to confirm their compliance with my demand within 14 days. 

They responded within the allotted time, however they failed to provide me with the following documents that I have requested : 1. Verification of the alleged debt ( i.e., name and address of the original creditor and a copy of any signed contract or agreement with the original creditor. 2. Proof that they cease collection and deleted credit reporting of the deficiency. 

They have now sent ( a ) notice of disposition of collateral and ( b ) explanation of deficiency, however I told them I need proof like a Usps tracking # or an affidavit of mailing by the representative who sent it when it was suppose to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to clean my credit up there are a few items that are on there that were not done buy me I would like my credit report so I can Challenge these items
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
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  account # XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Please remove it from my credit report. 
XXXX XXXX BANK XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX RV Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE INVESTIGATE THE FOLLOWING INFORMATION AND EITHER REMOVE IT OR AT LEAST SEND ME THE INFORMATION THAT YOU USED TO ADD IT TO MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. 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. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Debt collection

I found that I had a collection account on my credit report in XXXX of XX/XX/2014 The name of the original creditor is XXXX XXXX XXXX APARTMENTS. I called XXXX XXXX XXXX APARTMENTS when I discovered this collection account and was told that I did n't give them a 30 day notice. The company is now under a new management and the lady I spoke with ( XXXX ) said they do not have the documentation. I explained to her that I have a copy of my 30 day notice but she said I need to deal with the collection company ( PRO COLLECT ). I sent a letter to PRO Collect explain that I do not owe the debt and sent evidence showing that a 30 day notice was given and the debt is invalid but they responded with a letter stating that their client contends that the debt is valid with no explanation on how the debt is valid. I sent them another letter to validate the debt but they can not validate the debt. The credit bureaus are not helping. They just report what collection agency tells them without any validation. I need help dealing with this corrupt collection agency. They clearly know that I do not owe this debt but are trying to collect anyway. The lease ended on XXXX XXXX. XX/XX/2014 and I gave them a 30 day notice on the XXXX of XXXX XX/XX/2014. A staff member signed and made a copy for me. 
The XXXX is for {$1100.00}. 
{$600.00} for XXXX 's rent ( which makes no sense, since notice was given ). 
{$470.00} for Re-letting Fee ( 30 day notice was given. Makes no sense ). 
The rest {$72.00} is for utilities. I am not sure if I paid this but I do not mind paying the {$72.00} but the rest of the charge is bogus.
Product: Money transfer, virtual currency, or money service

Hello i lost my my wallet with my credit card around XXXX XXXX XXXX, 2024, and i had a series of unauthorized money transfers from my card to a robinhood account totaling {$8200.00} dollars. I opened up a dispute with my XXXX XXXX card and got a replacement card. After many days of investigation and me calling multiple times they closed my dispute and said that i made this purchases when i did not. I will need my refund of XXXX XXXX because i did not make these transfers. Please i need my money back thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX This is the XXXX  time I ask for verification proof of this account. I ask for you to verify this account not to send me another copy of the same report I would like this verification to come in the form account to the # Law # section 1692g # 1 The original application or contract # 2 Any and all statements allegedly related to this debt # 3 Any and all signed receipts # 4 Any and all cancelled checks Under this law you are to supply me with this information. I do not want another copy of this report. I want copies of the application or contract or signed receipts checks etc sir I would like this report removed I am aware that I can take legal action because its is well past my original complaint which gave you XXXX days to get me this information which was file XX/XX/2023. Please either send XXXX of the XXXX requested documents or please delete from my profile
Product: Credit card or prepaid card

XXXX  is a reputable company that sells high end pajamas. Individual ( s ) intent on fraud mirrored their website and stole the look and feel, including all of the pictures of models and merchandise, and created XXXX, posing as XXXX XXXX. My wife had been on both websites and couldn't tell the difference and ordered pajamas as XXXX presents from the fraudulent site. She eventually received pajamas from the fraudulent site that were not from XXXX XXXX, were different colors and worse quality, and had XXXX labels on them, not XXXX XXXX labels. The fraudulent site, XXXX only has an email for support so we sent an email to XXXX months ago with no response. If you click through their website it reroutes to XXXX. 

I disputed the purchase with Chase bank, the card used for the purchase, sent them a written explanation, sent them a follow up written explanation with photos of the fraudulent product that arrived, and they claim they are unable to provide a refund unless I have an expert testify in written form the obvious fraud. They also indicated that even thought they asked for pictures they don't use them in an assessment of fraud.
Product: Debt collection

RATE GENIUS Inquiry Date : XX/XX/XXXX Action Taken : I did not authorize this inquiry and have filed a dispute with XXXX. 
XXXX XXXX Dates : XX/XX/XXXX, and XX/XX/XXXX Action Taken : These inquiries were not authorized by me. Disputes have been filed with XXXX and XXXX respectively. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX Action Taken : This was an unauthorized inquiry, and a dispute has been filed with XXXX. 
XXXX XXXX Date : XX/XX/XXXX Action Taken : I did not authorize this inquiry. A dispute has been filed with XXXX. 
XXXX Inquiry Date : XX/XX/XXXX Action Taken : This inquiry was unauthorized, and I have disputed it with XXXX. 
No further action has been taken by the companies as of yet regarding these disputes. These inquiries are suspected to be the result of identity theft, and I have submitted identity theft affidavits along with police reports to support the disputes.
Product: Credit reporting

The XXXX and Experian Credit have reported collection accounts that are inaccurate in their filings. The Entries : XXXX and XXXX are not mine. I have no knowledge, accountability or have authorized any action these creditors are claiming. I have disputed these inaccuracies to no avail. According to the laws of the FCRA I have the right to dispute inaccurate information with the right to have the credit report updated accordingly. I am requesting the CFPB advocate for me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019 JPMCB CARD add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

The fee schedule dated XX/XX/XXXX on the dash board for my account states that the use of out of network atm and declines will result in a fee of XXXX. Since XX/XX/XXXX they have been charging me XXXX. I called XXXX XXXX  and inquired about the fee for out of network atms and was told it was XXXX when I said that I was being charged incorrectly they told me they were wrong. I then asked why did the fee schedule on my dashboard say the same thing. He could not answer. I spoke to his supervisor and was told that I must be looking at the wrong account. Only have 1. I then asked for his supervisor who would not listen asked for her manager and she put me back in the queue. All of this took place on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX Not Proven Compliant Account -- > XXXX Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Product: Mortgage

Mortgage servicing company adjusted my monthly payment. This was based on changes to my escrow, but their analysis was wildly inaccurate, indicating amounts not associated with my loan. I called them three times to have them re-run the analysis, to ensure that my payments would be accurately addressed. ( I was concerned, because they showed I would be paying LESS escrow, despite the fact that my taxes and insurance had gone up a little bit. ) On the second call, they indicated that they would conduct another analysis. As my payment date approached, I was concerned that my payment amount had not adjusted online ( on their website ), and that no new analysis forms were added to my account. I called them a third time, at which point they indicated that they would not run another analysis, despite the inaccurate analysis previously run. At this point, I am looking to see if someone else can service my mortgage and reaching out to CFPB, to ensure that I can accurately understand my mortgage payments.