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

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : -.
Product: Credit reporting or other personal consumer reports

I submitted several disputes because of XXXX XXXX that are not mine and they haven't mailed proof of the original documents if these were in fact my debts. This makes me question all inaccuracies. The disputes that I submitted were updated in one day. They didn't DELETE ANYTHING THAT WAS INACCURATE AT ALL!! They are violating my rights as a consumer. There are not even full account numbers. ( XXXX ) reads as follows ... ... ..Receivables XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX XXXX I never entered into any agreement with them ... .I demand that these Collections be removed! They don't even have full account numbers. 

( EQUIFAX ) reads as follows ... ... account for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never entered into an agreement with them either and they never provided proof. These all violate my consumer rights and are reporting inaccurately I demand that they be removed. 

( XXXX ) Doesn't report accurately either for XXXXXXXX XXXX XXXXXXXX. There is no account number at all! These all violate my rights as a consumer ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 - XXXX XXXX - XX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not sure what all is deceptive with freedom debt relief but i do know that negotiations for credit card settlements with the last account which is XXXX  was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with FDR included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my XXXX XXXX account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for FDR fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to XXXX  i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both XXXX  credit bureau as well as freedomdebt relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following Accounts or Inquiries. XXXX and remove them. 
( 1. ) XXXX XXXX # XXXX ( 2. ) XXXX XXXX XXXX. ( 3. ) XXXX # XXXX. ( 4. ) XXXX XXXX. ( 5. ) XXXX # XXXX. ( 6. ) XXXX XXXX # XXXX. ( 7. ) XXXX XXXX XX/XX/2022 ( 8. ) XXXX XXXX XX/XX/2022 ( 9. ) XXXX XXXX XX/XX/2022 ( 10. ) XXXX XXXX XX/XX/2022. 
Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

TRANSUNION IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

TRANSUNION IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIGHT TO PRIVACY AS THE CONSUMER.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

TRANSUNION HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
TRANSUNION WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY.
Product: Checking or savings account

I did two subsequent ATM transactions ( XXXX XXXX USD ) on the XXXX of XXXX. For this reason, my account has been blocked since then and all my transactions and access requests are denied. On checking with the bank, they mentioned they had sent a letter to my address and with that letter only they can verify my unblock request. I started using the current number from XXXX on XX/XX/XXXX ( my first day in the XXXX ). I verified with the telephone company and they verified that my name is linked to my number. However, for some reason, my bank can not verify my number. I called the bank several times in the past two weeks and every time they asked me to wait for the letter. After 14 days, they agreed to submit my request to higher authority however there was no improvement in my situation. When I talk to them again on the 16th day of the incident, they are willing to send the letter again to my address, with no guarantee of me receiving it. Meanwhile, I have changed my address and moved to a new house which I have updated in my bank through the Citibank mobile app. However, they are not willing to send me the letter. I suggested sending the letter to the nearest branch where I could go and verify myself using all the relevant documents and they are unable to do that also. I have no cash in my hand and my salary is in my bank account which I am unable to use. My last conversation with them today ( XXXX XXXX ) went in vain as they repeated the same scenario.
Product: Debt collection

On XX/XX/2022 consumer contacted Transunion via certified mail to dispute & request removal of XXXX XXXX XXXX Account being reported on consumer 's credit profile. This has impacted consumer 's credit worthiness, accuracy, and credit score, taking XXXX points from score causing damage to my score. XXXX XXXX XXXXXXXX responded to consumer via mail on XX/XX/2022 stating they agree to request that their tradeline related to the account be removed and deleted from the credit bureaus. It has been removed from XXXX, but not Transunion and XXXX. Please remove XXXX XXXX XXXX account from all consumer reports and update credit profile with accurate deletion of account associated with the name XXXX XXXX XXXX.
Product: Bank account or service

I opened a new HSBC checking account with {$350.00} new account promotion in XX/XX/XXXX. I satified all the promotion requirements by setting up the direct deposit. Two of my friends opened the new accounts 1 week later than me. Both of them received the {$350.00} bonus at the end of XX/XX/XXXX. The latest time based on the promotion terms and conditions should be the end of XX/XX/XXXX. But till now, XX/XX/XXXX, I still did not get the bonus. I tried more than 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives aggreed that I satisfied all the promotion 's requirements. Then they forwarded my case to the backend promotion team for further research. I received the responses only twice of all my requests. Mostly, they promised to reply within 4 business days, then nothing happened. The first time the backend team stated that I did not qualify for the {$350.00} promotion because I already held an account with HSBC Bank USA while opening the new account. But I was not holding any HSBC account when openning my new checking account. The terms stated " Customers who held any HSBC personal account between XX/XX/XXXX and XX/XX/XXXX are not eligible for this offer. '' But my previous HSBC personal account was closed before XX/XX/XXXX. The second time the backend team stated that did not qualify for the {$350.00} promotion because I opened a new savings account along with my new checking account. But there was no any limitation on opening a new savings account in the promotion terms and conditions. I do n't think openning the new checking and savings accounts together could make me ineligible for the new checking account promotion. In addition, the two of my friends opened the new savings accounts too. They received the {$350.00} bonus. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA refused to give me the bonus in different unreasonable excuses. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for more than 10 times. They even did not reply to my customer service requests as they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 and requested they update my personal information as a precaution to prevent the jeopardizing my identity from credit fraud. Equifax replied via a letter on XX/XX/2022 and the letter stated that they had done an investigation and had concluded that my information was verified. 

That is not what I requested they do. I asked them to remove all old addresses, phone numbers, email addresses and employment information from the credit file and update the credit file with my current address, email and phone number. 

As a consumer, I do know I have the right to request an Equifax update and remove all old and outdated information on the credit file. 

In refusing to consent to my request, they have violated my consumer rights to fair and accurate reporting on my credit file.
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 or other personal consumer reports

I have disputed these collections and multiple times with Equifax, and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately See Attachments ID Is attached to prevent several stalling letters
Product: Credit reporting or other personal consumer reports

Experien and XXXX failed to perform a reinvestigation of a charge-off account reported by XXXX on my credit report. The account in question is listed under XXXX and has been marked which I believe XXXX be inaccurately reported. Experian and XXXX didnot provide the method of the reinvestigation. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to an accurate and complete credit report. The FCRA mandates that credit reporting agencies ensure the information in credit reports is both fair and accurate. Inaccurate or incomplete information must be corrected o

r removed. Moreover, the FCRA requires t hat any reported late payments must be accurate and substantiated. Under 15 U.S.C. 1681c, late payments must reflect the true nature of the account status. If a late payment entry is incorrect or outdated, it should be promptly rectified.

Failure to comply with these requirements can be considered willful non-compliance under 15 U.S.C. 1681n, which addresses the responsibilities of credit reporting agencies to maintain accurate records and the legal repercussions for failing to do so.

In light of these legal obligations, I request the following information regarding the reinvestigation process : The specific procedures Experian will follow to verify the accuracy of the reported charge-off and any related late payments. 
Details on how communication with XXXX will be managed to obtain updated or corrected information. 
The anticipated timeframe for completing the reinvestigation. 
How and when I will be notified of any changes or updates resulting from this process. 
I expect a thorough reinvestigation and prompt resolution of this matter in compliance with FCRA standards. Please keep me informed of any updates or changes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my credit score monthly. I 've contacted them and spoken to a representative twice over the p ast two mont hs. They continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) stat es differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
Product: Mortgage

In XXXX, I had an insurance claim. The check was sent to Wells Fargo. On the check was Wells Fargo and my name XXXX XXXX. From the beginning, they made it hard. Wanting to pay the contractors in XXXX installments made it difficult to find someone to agree. Finally, after 9 months they agreed that it could be done in XXXX installments. At that point, I had a XXXX and told them that I could not do it. XXXX XXXX agreed to tear the whole roof off and replace slate with tile. that needed to go through the Historical Society. Someone fixed the roof and I asked if I could be paid because I fixed the ceiling. I was told to submit the request, later to be told no because I was in bankruptcy. XXXX another storm hits and the insurance company told me that I needed to prove that the first claim was fixed. Therefore, I could not remember and went through the phone book. Later my insurance agent told me the reason why I did not know who fixed the ceiling was because Wells Fargo had it fixed. That they had requested a list of contractors stating that I was incompetent. My insurance agent said XXXX you would have had to sign the check. I told her that I had never seen a check. Therefore, I called Wells Fargo at least XXXX times always to be told that someone was going to do research and get back with me. XXXX person did I missed his call and called him back without any response. I have told Wells Fargo repeatedly that it is raining in my home ; XXXX ceilings have come down in the bedrooms. The wood floors are warped. The water has moved to spill the ceiling in the living room, dining room, and kitchen. I have not resided there because it rains like a tsunami in the house. XXXX of XXXX this week I finally after going to the corporate office of the insurance company received an email with a copy of the check that was deposited by Wells Fargo with my signature forged. They received the check XXXX XXXX, XXXX signed my name XXXX XXXX, XXXX and sent a check drawn on Wells Fargo to the Bankruptcy Court in the Trustees name who in turn paid them as creditors. The sad thing is that all this time they worded our conversations as if the insurance check was sent to the Trustees. Wells Fargo did not send the insurance check to the Trustees. This week I sent the copy of the check to the trustees and was informed that they had never seen the check and provided me with a copy of the one send to them. Now my house still 2 years later is unlivable. Also the insurance did give me a check to fix the carriage house but Wells Fargo place an insurance deductible of XXXX. When I ask the insurance agent was the XXXX deductible still available when the placed the insurance on the house she said absolutely. Wells Fargo tried to convince me that it was the insurance companies doing.
Product: Credit reporting or other personal consumer reports

I mailed in documents to change my name with Experian on XX/XX/2025. On XX/XX/2025 I recieved an email telling me that I no longer have a FICO score or credit history. Experian did not just change the name on my current score or report ; I don't know what they did but it completely erased my history.

I have attempted to contact experian several times by phone and I can not get through to real customer service personnel who can help. They " filter '' everything through an automated system, and when it can't help or understand you, it just hangs up. I have not been able to find an email address to ask for assistance either. Currently Experian makes nearly impossible to talk to someone who can actually help. 

Changing my name was super simple with XXXX and XXXX ; no problems andno eraed history. They also have actual people there who can help. Experian is the most frustrating company that we are forced to work with!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have a fraudulent inquiry removed from my XXXX report since XXXX. I have contacted both XXXX  and Saks Fifth Avenue Customer Care about having this removed, and they both blame each other for it being there. I have the document sent to Saks Fifth Avenue Customer Care, and the listed times I contacted XXXX.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, for committing identity theft. I have never given Commonwealth Financial Systems, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Commonwealth Financial Systems and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/22, I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems any right to collect on this alleged debt. I have never received any documentation requesting validation from Commonwealth Financial Systems, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.