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

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XX/XX/2020 XXXX inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Privacy Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Effective Date : XX/XX/year> Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX XXXX now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802.

I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed.

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Debt collection

I co-signed a rental agreement for my daughter XXXX XXXX in XX/XX/XXXX. She lived at the property the term of the agreement and moved out on XX/XX/XXXX. Landlord had agents present when we vacated the property and no problems were identified. There had been no damage, just normal usage, normal wear and tear.. XXXX called multiple times about getting our deposit back and was told it would be mailed but it never was. 

We then hear nothing until XX/XX/XXXX when a collection agency mails me saying we owe {$1900.00}. I replied on XX/XX/XXXX and again on XX/XX/XXXX ( certified # XXXX ). My letters specifically stated we disputed the debt and they were not to contact us again. I have received harassing phone calls in XXXX and continuing into XX/XX/XXXX. ( The XX/XX/XXXX call was around XXXX. ) These calls are from an automated system giving a call back number of XXXX.
Product: Credit card

Greetings, I am a teacher who have been banking with XXXX XXXX for more than 12 years. My account with XXXX is a joint account with my wife and she received a credit card from the bank approximately a week ago. For the past two months the bank has been sending me credit card offers in the mail and I decided to accept the offer on Saturday XX/XX/XXXX. However, my application was denied. The problem that I am having with the entire situation rest in the fact that with this credit card rejection, my credit score will now be affected for several years. This is not fair to me, as I have been making valiant efforts to fix my already week credit. The question therefore is, is it right for your bank of over 12 years that knows your employment status, which includes your monthly direct deposit, and have all the details of your general eligibility prior to making such an offer, proceed to making the offer and then turn around and deny you the credit card knowing, that it would impact your credit? 
Frankly, in my humble opinion, I believe that something is very wrong with that. I am hereby asking the fair-trading commission to please look into this matter. Thank you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00}
Product: Debt collection

Received letter from AmerAssist A/R Solutions , Inc., regarding a debt from XXXX, XXXX. Account number XXXX this debt does not belong to me. Wish to dispute this and cease communication with the collection agency.
Product: Credit reporting or other personal consumer reports

Upon me reviewing my credit reports i discovered that multiple accounts were opened that were not mine.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below from my credit file. I am a victim of a data breach, and these accounts were opened or reported without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed from my credit report. 
Fraudulent 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I mark as inaccurate Adresses : XXXX XXXX XXXX XXXX, XXXX XXXX, Ar. XXXX. XXXX XXXX XXXX, XXXX, XXXX Ar. XXXX, XXXX XXXX XXXX XXXX XXXX, Ar. XXXX. XXXX XXXX XXXX {$890.00}, XXXX XXXX {$210.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$510.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI want reported accounts removed.
Product: Credit reporting or other personal consumer reports

On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived.

Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information ; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

A registered letter with XXXX  slip was sent in late XXXX. Company says payment was never received and XXXX  slip was not returned. Company did not acknowledge receipt of payment and has no record of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. SELF / LEAD  XXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
Product: Debt collection

Navient has made numerous phone calls to my place of employment. I have asked them on XXXX occasions to remove my employer 's number from their records and to not contact me there as it will jeopardize my employment. I also informed them of my rights under the Fair Credit reporting act and they initially, each time, agreed to remove the work number. I AGAIN received a call today at work. This continued harassment is jeopardizing my employment and I would like it to stop.
Product: Debt collection

I was called by Portfolio Recovery on XX/XX/21 About an XXXX XXXX Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the XXXX plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX and Experian is violating my rights I did not give written permission to report this on my credit report Account Name 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. Code 6802 - Obligations with respect to disclosures of personal information ( 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.

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.
Product: Checking or savings account

Today XX/XX/19 @ XXXX CST Im at the ATM on XXXX XXXX XXXX XXXX XXXX MO XXXX to deposit my rent money thats due XX/XX/19 I insert my card, enter my pin select deposit, then insert my cash sum of {$780.00} into the atm. 

The atm shuts down after the window closed where you insert cash. & now there is nothing deposited into my account. The money did not come back to me. IM FURIOUS! 

2 PNC employees where there as a witness but couldnt really assist because the bank was closed and they were leaving work. They instructed me to call the number for PNC & escalate clAim PNC TOLD ME IT WOULD BE 10 days for an investigation and I have NO MONEY TO PAY RENT!!! 

Denominations deposited as follows : 4 XXXX dollar bills 2 XXXX dollar bills 1 XXXX dollar bill 27 XXXX dollar bills
Product: Bank account or service

I deposited a refund check from my daughters school via my online mobile banking App. The check was made available a few days later and I paid a few bills and did XXXX transfers to my kids checking account. Later that same morning there was an extended hold placed on the check which caused an overdraft of over {$600.00}. I called the bank to find out why the hold was placed and they said they were having a problem verifying funds with the issuing bank. I called the issuing bank and was able to get through to them to verify funds and explained to them what the issue was and they told me all my bank had to do was call the same number I did. I waited a few days and then contacted the school which put me in touch with the finance office of the company where the check was drawn. They informed me that the check has cleared and has already been paid to my Bank. I called the bank back and they are unwilling to release the funds and said that they are still trying to verify funds. I have deposited XXXX of these same refund checks drawn on the same bank since XX/XX/XXXX and have never had a problem. I feel that this is just another way for Citizens bank to get fees from me, the check has already been paid and I would like my funds released immediately. I have not been able to buy gas, food or pay any bills and I am extremely angry. They have placed a hold on my account until XX/XX/XXXX which I think is outrageous. If this mater is n't resolved I plan on going to the media and filing a law suit against the bank.
Product: Checking or savings account

USAA SENT ME A LETTER ON XX/XX/XXXX STATING THAT THEY NEEDED FURTHER INFORMATION FROM ME OR THEY WOULD SUSPEND OR CLOSE MY ACCOUNT. I WAS NOT GIVEN ANY OPPORTUNITY TO GIVE THEM THE INFORMATION, AFTER 18 YEARS THEY GOT NASTY WITH ME. I EVEN REACHED OUT TO THE CEO XXXX XXXX WHO HAS NOT RESPONDED YET. I AM A XXXX VET AND FEEL THAT WHAT THIS BANK DID WAS TOTALLY UNFAIR AND THEY ARE IN THE WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't reach a customer services rep whenever I call Experian to talk about my credit report. I'm prompted to mail in any questions that I have concerning the items on my credit report. This is unacceptable. Experian does not allow me to speak with operator regarding my credit file over the phone.
Product: Debt collection

I reviewed my credit report with TransUnion on XX/XX/XXXX. I found an adverse account item reported from Aspen National Collection. I did not recognize the original creditor. I called Aspen National Collection and spoke with XXXX XXXX. I asked for any evidence that the account was mine and he refused to provide any. He stated that this was in reference to XXXX XXXX XXXX. I am not an owner or co-signer of any account with this company. I have never received any information from XXXX XXXX XXXX or Aspen National Collection previously about an outstanding debt. The claim was placed in collection on XX/XX/XXXX. I did not receive any letters, e-mails, or phone calls about this debt. The statement shows that the payment was made on XX/XX/XXXX. I have reviewed my bank statements for that period and not matching payment was found. 

I tried to resolve this with Aspen National Collection, but XXXX XXXX was not willing to assist. XXXX XXXX at Aspen National Collection was also not willing to send any evidence that I owed the debt. 

The practice of arbitrarily adding names to account is predatory and this intentional fraudulent practice should be penalized. 

I have no documents to include as no evidence of this debt was provided to me.
Product: Vehicle loan or lease

I have had a lease for an XXXX vehicle since XX/XX/XXXX, replaced with a new vehicle early this year. My account has been on automatic payment since I initially signed up in XX/XX/XXXX. For my newest vehicle, the first month 's payment was to be included beginning with the day that I signed the lease ( XX/XX/XXXX ). I did not receive the first statement or even my account number until approximately XX/XX/XXXX which is when the next payment was debited from my account. For whatever reason, Infiniti Financial Services ( Nissan ) may not have timely processed my automatic payments. Nevertheless, I called Infiniti today and they verified that they are not reporting any 30 day past due payments ; however, despite that fact, my lessor has taken it upon itself to disparage me and published a derogatory 30-day past due payment to the credit reporting agencies in the past year. I spoke to two people over a thirty minute period today, neither of whom could figure out why the alleged past due payment is reporting. Furthermore I do not consent to the disclosure of my account information to any third parties for any reason whether positive or negative. This has been in writing with Infiniti 's dealer/agent since I signed my lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

have requested proof of the original obligation and documents as well as the below I am requesting that XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX  Phone: (XXXX) XXXX-XXXX you provide verification of this debt. your account nmber ending in XXXX ,XXXX  each in the amount of $XXXX and beginning with XXXX for XXXX dollars I requested that they Send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt: whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. I need more details about what you claim I owe so that I can make an informed decision. Moreover this debt under Louisiana Laws Civil Code CC 3494 — Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019 and thus a violation of state and federal law. The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act (FDCPA) the main federal law that governs debt collection practices see 15 U.S.C. § 1692. I dispute the information contained in my XXXX  credit report and Transunion credit report also and request they supply me above requested information Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX XXXX XXXX accounts on my credit report that do not belong to me. The first  account has an account number of " XXXX '' and a balance of {$5600.00}. The second account has an account number of " XXXX '' and a balance of {$4600.00}. <P/>Experian is the only credit agency who is reporting these accounts on my credit and they are refusing to remove them saying that they have been verified to belong to me. I do n't understand how this is even possible. In the past, XXXX was also reporting these two accounts and when they conducted an investigation, they were promptly removed after it was verified that they did NOT belong to me. How can Experian and XXXX come back with two different results for the same dispute and investigation? I have already called XXXX XXXX XXXX and they have confirmed to me that there are no records that match my personal information! I do not believe that Experian is processing my disputes properly and I am now looking to meet with an attorney to address this issue. It is wrong for other persons ' accounts to be reported on someone else 's credit report and I can not continue to allow this to happen.
Product: Credit reporting or other personal consumer reports

I have been getting denied business credit and found out that my business can't be verified due to the fact that old information from old checking accounts with America First Credit Union. I have called them multiple times and gave them updated info only to be told that the information never updated after I was told that it was and then they said supposedly the only way to update my old information to current information is to pay the old balances I owe, which frankly I don't understand. Does the system open up after I pay old outdated balances that magically allows them to update info?? The information reporting to XXXX is stemming from this company. My address and phone number is all I need to update.