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

Equifax is regulated by the FCRA and in occurdence with the FCRA. XXXX must comply with The Privacy Act of 1974, 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) 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. I have not verbally or given any written agreement to XXXX that allows them to report or provide any information on any report pertaining to XXXX XXXX. They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though XXXX has not received any written instructions from a federally protected consumer. XXXX has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am redisputing several accounts that were not properly investigated, as the previous investigations failed to provide accurate and complete results. Additionally, there are unauthorized inquiries on my credit report that I did not approve. These inquiries and accounts are negatively impacting my credit score, and I request a thorough reinvestigation of both the disputed accounts and unauthorized inquiries to ensure accurate reporting
Product: Credit reporting or other personal consumer reports

XXXX XXXX ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX XXXX since I filed my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only bureau reporting a bankruptcy but the other two bureaus are not. I did dispute this matter directly to them but they failed to get back at me in a timely manner. therefore they were obligated to remove it from my file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>24 I sent XXXX, Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report thats not mine. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} TransUnion : XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian numerous certified letters of inaccuracy information they are reporting. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been asking in the letters for Method of Verification, have sent Frivolous Letter Rejection, Validation of Accounts and all they send back is accounts have been certified as accurate by the companies. The bankruptcy court does not verify information due to it is illegal for them to verify any information with Credit Reporting Agencies. 

I have also stated to XXXX in letters, This is NOT a request for " verification '' Via e-oscar, PACER, third parties, or proof of my mailing address, but a request for VALIDATIOn made pursuant to the ABove-named Title and Section of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear CFPB, Subject : Inability to Access Credit Report from Equifax Despite Multiple Attempts I am writing to formally lodge a complaint regarding my ongoing difficulties in accessing my credit report from Equifax. Despite having made numerous attempts via phone calls and submitting my personal identifying information as requested by Equifax, I am still unable to view my credit report. 

To date, I have contacted Equifax on multiple occasions, providing all necessary identification and following all procedures as instructed. However, each attempt has been unsuccessful, and I have received no satisfactory explanation as to why I am unable to access this important information. 

My efforts to resolve this issue directly with Equifax have been met with continued delays and lack of clarity. As a result, I am seeking your assistance in ensuring that Equifax fulfills its obligation to provide me with access to my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

I would appreciate it if the CFPB could look into this matter and take the necessary steps to facilitate a resolution. I am also requesting guidance on any additional actions I can take to protect my rights and obtain my credit report. 

Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you require further details or documentation regarding my attempts to access my report. 

Enclosed two forms of identification Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : ACCOUNT NAME AND NUMBER : XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. I request that the following actions be taken immediately : Investigation of the mentioned violations. Removal of the unauthorized accounts from my credit report. Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). Notification of the correction to any person who has received my credit report in the past XXXX months. I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Payday loan, title loan, personal loan, or advance loan

i've been paying Aqua finance for 6 years and the interest rate increases. I see that they were recently sued and i'm wondering why i wasn't considered in the lawsuit
Product: Checking or savings account

Good morning my name is XXXX XXXX XXXX XXXX My social security number is XXXX. I was supposed to receive my Social Security Administration Benefits of the amount of {$940.00}. I was aware of the holiday weekend. I contacted Chime Customer Service and spoke to several reps including 3 different supervisors. They couldn't assit me any further. It's important I receive my funds immediately because I'm a XXXX man and my rent and or all other expenses is past due. Chime normally sends my funds early because it's a PrePaid Bank but my direct deposit is normally on the XXXX of every month. Since I been with Chime Bank I been receiving my funds on the XXXX or XXXX of every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including one bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) dispute letters were already sent to the Credit Bureaus but upon reviewing an updated Credit report I ordered from XXXX, I was taken aback to see that no changes was made at all! I am frustrated by these actions taken by the Credit Bureaus. I was a victim od identity theft and the items I am requesting to be removed were the results of such crimes. I have read enough to understand my rights which is under the protection of the FCRA section 605b. By the Credit Bureaus choice to ignore mt requests and continued reporting of the disputed items without proper verification or authentication is a cleat violation of my rights. I am rsubmitting this complaint to protect my rights and request that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Product: Debt collection

Debts in the amount of {$750.00} appearing twice as collection. I called the credit bureaus on XX/XX/2019 to dispute these unknown collections. They advised me the debt was hospital bills. I explained that I had not been to the hospital, the debt did not belong to me and I officially filed a dispute. I also requested for the bureaus to send me verification regarding these collections, which was never received. During these phone calls I paid off one collection that was my debt and disputed Two other debts in the amounts of {$1800.00} and {$1400.00}. These debts dont belong to me and I would like them removed at once. All three bureaus are not reflecting accurate information, the hospital bills were removed for XXXX, but are still showing on XXXX.
Product: Vehicle loan or lease

I traded cars with XXXX  officially signing the documents on XX/XX/2021. At the time of the deal I sent XXXX  a 10 day payoff from XXXX XXXX XXXX XXXX. The amount to be paid off was {$15000.00}. 

They brought my new car on XX/XX/2021 and picked up my trade in at same time. 

Despite having my car, and my down payment plus, Id assume, Chase Banks payout for the new car, as of XX/XX/XXXX, they still hadnt paid off my car. Since I had a payment due that day I called XXXX  and they said to make the payment ( approximately {$600.00} ) and they would pay the agreed upon amount, then XXXX would realize the overpayment and pay me back the overage. 

So I made the payment.

XXXX  had my old car listed on their website by then. 

By XX/XX/XXXX they still hadnt paid off the car loan. I called them AGAIN and they said it was being done. 

Finally on XX/XX/XXXX, they paid off the loan on my trade in. 

BUT THEY paid off the current loan amount, which by that time, over a month at the time wed signed the contracts and Isd paid the down payment, had accrued additional interest ABOVE the 10 day payoff anf not only that they paid off just the balance, not what was agreed. In other words, I made a payment on a car I no longer owed under good faith that XXXX  commitment to me was to pay off the agreed amount. Instead the my stole my payment. 

Subsequent calls..Ive called XXXX  and been told its the Loan Department Tier 1 who should handle this but Ive run outta time with these clowns. Being on hold for an hour then being hung up onwhat a bunch of shady characters. Youd think theyd be thrilled to have sold the car.
Product: Checking or savings account

Does n't submit accurate amounts so that I may use XXXX XXXX
Product: Credit card

Hello my name is XXXX and I were wondering if you could remove the Kikoff Lending LLC off of my account. I closed the accounts more than six months back but it never registered on my credit app. But it says its closed on my Kikoff app.
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 confidentially under 15 USC 1681. Act Name : 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 I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have had problems with Robinhood for about a month. They said they would close my account. So I requested to call them to tell them to put my funds back in my bank account. They refused to call me back and now they are telling me they will keep my funds. I put $ XXXX in there and I want my money back. You can not have a phone call with Robinhood. They will not give out a number unless they call you.
Product: Credit reporting or other personal consumer reports

I have contacted this company several times to get 3 fraud accounts that are due to identity theft blocked from my file and they havent done anything but continue to place the items under dispute. THIS IS MY LAST AND FINAL ATTEMPT TO GET THIS DONE WITHOUT GOING THROUGH THE COURTS AND SUEING FOR EMOTIONAL DISTRESS AND XXXX. They are continuing to break FCRA LAWS. I have attached all my personal documents along with an VALID AND COMPLETE FTC REPORT THAT LISTS ALL 3 accounts that needs to be processed within 4 business days. My COVER LETTER my IDENTIFICATION CARD, my SOCIAL SECURITY CARD AND MY FTC ARE ALL ATTACHED TO THIS COMPLIANT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Product: Student loan

I had attended XXXX college ; through XXXX. XXXX closedIn the summer of XXXX by giving me false information that I need to take out a loan for the school so I did that with sallie mae. my student loan was for XXXX and now all the way up to XXXX during the fall of XXXX and was I was supposed to graduate from XXXX University I had suffer a almost life ending injury in which I was not able to return to school. Because of my injury, sallie mae in which I try to explain my situation took it as we graduating from XXXX even though I was trying to explain I couldnt go back to finish my degree because ( Im at XXXX XXXX ) my degree wouldnt let me finish because of my injury. So one I believe I had to take a loan out for no reason because XXXX had lied to me and to sallie mae charge me almost XXXX grand and its only been four years going on five with the loan being taken out and Ive actually only graduated two years ago because I had to wait a whole year to go back to school so Im trying to see what my options are here and if I can get help
Product: Mortgage

Im a military Veteran on XXXX XXXX. My wife who is back home has been dealing with a mortgage company called SLS. They took it on themeselves to Remod our mortgage and said our payments ar now XXXX from XXXX. We have spoken to them and all we get is a run around. They have placed a deliquincy on our credit and stopped us from doing a Refi as the other banks see this fraud deliquincy on our credit.