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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
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. 1681l, which mandates a reasonable investigation of disputes. Furthermore, Equafax '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 marked as inaccurate : 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

I have mailed this to XXXX XXXX XXXX and now I am telling CFPB. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX ( here in called XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, Experian, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Portfolio Recovery has called repeatedly on a daily basis for years. Ive asked them to stop. The calls continue- everyday no mater the time. This supposed debt was over 15 years ago. The harassment is constant.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XX/XX/year> 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 or other personal consumer reports

Reporting late payments even if paid. Reporting payments late past 30+ 60+ 90+ when inaccurate.
Product: Debt collection

I received notification that a collection for an amount not owed was placed on my credit by Hunter Warfield. In XX/XX/2015, my wife and I were looking at moving to XXXX from XXXX and we reached out to XXXX XXXX XXXX. XXXX was the rep, and she told us that they had an apartment that might meet our needs that would be coming up. We had specific concerns due to having dogs and we were not familiar with the area. We were told that she could hold the unit for us for a period of 10 days if we filled the application and paid a {$99.00} application fee ( please see emails below ). We paid the fee and came out the week before XXXX. We were not happy with the unit and decided not to move forward. We told the agent that same day but followed up with XXXX on the XXXX. We never heard anything afterwards until we received a letter from Hunter Warfield. We never signed a lease or agreed to anything beyond the application. Hunter Warfield has not sent us any proof of the debt other then invoices from XXXX XXXX XXXX. The invoices were created weeks after we decided against the apartment and they weren't signed by us. The email that I will attach will show that at no time were we told of any fees other then the credit application fee of {$99.00} that we paid. 

The only proof that Hunter Warfield provided us after we disputed this was Internal Documents created by XXXX XXXX XXXX XXXX. Most were created weeks after we decided against the apartment. I have attached all the documents that Hunter Warfield has provided us with and none of it was agreed to before hand. Hunter Warfield claims that they don't have to prove that we agreed to the charges. They simply wouldn't remove the debt because their client want us to pay this amount even though we didn't agree to it.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer, and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times and across all credit reporting agencies on consumers files. 
Please investigate the completeness of the account listed within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, please UPDATE TO PAID AS AGREED AND COMPLETE ERRONEOUS DATA POINTS within my consumer report. 

ACCOUNTS : XXXX  XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be UPDATE TO PAID AS AGREED AS I WAS NEVER LATE FOR THIS ACCOUNT AND UPDATE ERRONEOUS DATA POINTS due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please CHANGE TO PAID AS AGREED AS I WAS NEVER LATE FOR THIS ACCOUNT AND UPDATE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete.

Thank you for your rapid response in this very important matter, XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

When i went in to cancel my account within the 3 day cancellation period, I was told that it would be taken care of by a female employee after giving my info ( I believe her name was XXXX? ). Money kept getting taken out of my account after cancelling. I asked them about this over text. to no response. After calling to no response, I then went in person. XXXX told me he couldnt do anything. I wont bring up the false advertising they tried on me with how all the equipment was new ( i went there in high school under the old owners and it was all the same equipment [ 7-8 years difference as i graduated in XXXX ]. The equipment was just moved around ). Laid out my financial situation to show them it was not fiscally obtainable for me AT THAT TIME but repeatedly said that I would be back when I cant afford it. Even showed them my bank account and the monthly payments I had to make to private student loan lenders as the payments are more than 95 % of mortgages I've saw. And I worked at a mortgage company. Their were deceitful tactics used at the table to begin with and my many attempts to obtain the recording of that meeting went unfulfilled no matter how many times I asked. They were VERY blatant in showing me that they were recording and told me how he does it with everyone and has law experience. So i didnt think getting that would have been an issue. I also was dealing with bad injuries at the time and was VISIBLY hunched over with a heavy limp as I had hurt myself within the few days of me visiting there to discuss a membership. They're supposed to help with physical health. Not encourage you to keep pushing yourself. I wasnt signing up for physical therapy. Mind you. This was within the very short 3 day cancellation period, that I had originally gone back in to cancel. And Im willing to bet security footage would verify my claim of my health at that time. The money stops coming out of my account. I get no overdraft charges from them the way you would with any other auto-payment system. Receive no correspondence in over a year. But am just now being notified that my account has been handed over to a collection agency. This was all two years ago. But was solicited to sign up within the last year and my account was just handed over in XX/XX/XXXX. So why was I getting solicited ... .if I already had an account with them that JUST got handed over to a collection agency. That makes no sense to me. If I ALREADY have an account with them ( as it hadnt been passed off to collections yet )... why am I getting solicited? Shouldnt it have been in their system, that I already had a membership with them? The most frustrating part is that this was my favorite gym when I was in high school. I would be there paying willfully now if they didnt go about this the way they did and played the short quick payday game. But I will steer everyone away from these people and this gym. I can not go back there now, not after my experience with these people.
Product: Mortgage

I refinanced my mortgage loan that was with Bank of America XX/XX/2016. My loan was paid in full on XX/XX/2016 by new lender. Bank of America has provided any documents regarding this pay off or has failed to send me deed of trust document and most important to is my Escrow refund. Every time I called they say that they have mailed my check in amount of such but to this date I have not received anything. They said to put stop payment on the one they mailed and send me another check by express mail but that has not happened yet and now it is XX/XX/XXXX. 
They failed to refund my escrow money and no action has been taken to resolve this issue by them. 
I had made one extra payment while refinancing was being processed to be current on my payment date so that it does n't affect my credit score. They have not refunded me that either.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I sent a goodwill adjustment request to Comenity Bank/Victorias Secret , asking them to reconsider the derogatory remarks and charge-off status on my credit report. The account was charged off in XX/XX/XXXX with remarks indicating " Purchased by another lender ; unpaid balance charged off. '' I requested that Comenity review the circumstances surrounding my past financial difficulties and consider removing the negative remarks from my credit report as a goodwill gesture. Despite my effort to contact them directly, I have not received any acknowledgment or response to my request.

Their lack of response has prevented me from resolving this matter and improving my credit standing.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/XXXX I opened a Macy 's XXXX card at the recommendation of a sales person even though I had a Macy 's Credit Card. When my bill of approximately {$410.00} was paid in full as I do monthly with all charge card through my online bank payment service, the funds were inadvertently sent to the Macy Credit Card address rather than the new XXXX address. Since that time I have spoken monthly to representatives from both Macy 's Credit Card and XXXX to try to get the money to be credited to the XXXX. Each time I have been assured that it would take a month but it would be resolved. At some point in this XXXX process. The money was moved to the XXXX but then Macy 's Credit Card began calling saying I had a bill of the same amount. I have had service charges of over {$600.00} and those were removed with the promise of having the funds I paid applied to the XXXX Now it appears that Macy has XXXX the {$400.00} charge back to the XXXX card. I DO NOT intend to repay a bill that was paid because of your inability to apply it to the correct account. I have talked to both companies for 9 months and they admit the error and assure me it will be fixed but then it reappears. I do n't want my credit ruined because of their errors. By the way, when trying to submit a complaint on Macy 's website, my submission gets rejected because of " special characters. '' There are no special characters since I only submitted what I 'm submitting here so you should tell them or penalize them for this anti-consumer behavior. There is only XXXX choice of the company but my problem involves both Macy 's old credit card and their new Macy 's AMEX card.
Product: Debt collection

Carmax Financial repoed my car in the middle of the night with no prior notification. I sent off full payment to them on XX/XX/2022 and they still repoed my car. This is the 2nd time that theyve violated my rights and had my property taken without any judicial involvement and without any proper notifications. 15 USC 16926 ( f ) states that Carmax has violated the law.
Product: Checking or savings account

XX/XX/2022 XXXX {$1000.00} Discovered Fraud with XXXX on my account. I noticed it when my account went in the negative. Initially I thought maybe my husband did it but when I verified it he never had a card with that number on our XXXX account. 

Tried going through the branch 3x. And had my lawyer reach out because I lost over {$1000.00} from fraud. 

The bank credited me {$42.00} as a form of justification XXXX cant accept it. I had my lawyer send a letter and the bank still said the same thing.
Product: Credit card or prepaid card

This is an inquiry more than a complaint. I accepted a 0 % promo rate for 12 months. I asked the credit card company to send me something in writing to confirm the final date for paying off the credit card at the 0 % rate. They said they can not send me anything in writing. The expiration date doesn't appear on my monthly statement. Aren't they required to at least put the rate expiration on the statements? Is there any law that says they can't send me something in writing to confirm?
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Equifax, XXXX & XXXX.
Product: Debt collection

Portfolio Recovery Continues to call at approximately XXXX XXXX even though I have 1. Identified myself 2. Told them to put me on their Do Not Call List. This is at least the XXXX time they have called AFTER I told them to put me on The Do Not Call List. They never leave a message. I only know it is them because my landline stores all my calls on my Caller ID. Whatever debt I may owe is close to 7 years old and is soon to be removed from Credit Reporting Agency Reports. This alleged debt has ballooned from approximately {$400.00} to approximately {$2000.00}.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX has fraudulently reported information to Chexsystems under account number XXXX. XXXX XXXX from XXXX XXXX knows there is a dispute in progress via a legal proceeding pending and he reported this to Chexsystems anyway. I am requesting that Chexsystems call XXXX XXXX at XXXX and ask him if there is a legal pending dispute regarding this account. When XXXX XXXX tells you yes, I am requesting Chexsystems remove this derogatory information from my file immediately. Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX last four of social for  XXXX XXXX is XXXX and last four of social for XXXX XXXX is XXXX.