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

CFPB Complaint ID # XXXX dated on XX/XX/2022 Equifax stated WE VERIFIED THAT THIS ITEM BELONGS TO YOU. However, dated on XX/XX/2022, I, XXXX XXXX, Consumer, am aware that Equifax Information Services LLC is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code. 
Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Equifax ) to prove with documentary evidence that ( Equifax ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ) for each account ( s ) mentioned in CFPB complaint ID # XXXX. Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Product: Mortgage

Selene Finance is the service my loan was transferred to, by XXXX XXXX. I spoke with XXXX at Selene today to indicate I was wanting to participate in the modification program that was offered to me in their letter dated XXXX/XXXX/2016, which I received on XXXX/XXXX/2016. He told me I was not allowed to participate in it because the house was already foreclosed on. The letter said I had until XXXX XXXX, 2016 to decide and have the paperwork to them by that date as specified in their letter. Why was this offered to me if they had no intention of allowing me to participate? Why did they inform me I had until XXXX XXXX, 2016 to get them the required documents?
Product: Credit card or prepaid card

Im an active customer of Bank of America. I had held the credit card account for about XXXX years. I had a balance on the account which was paid off in full. My account was then later closed for inactivity. I attempted to resolved the issue with the bank. They told me its nothing they can do because it was closed already in the system. My credit was effected by this decision negatively. My account was always in good standing.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan. I submitted my information including my social security number and bank account information. I was then called and told that I can not revive a loan and they hung up on me.
Product: Debt collection

I had automatic payments coming out of my account from XXXX. I canceled the insurance when i got rid of the car. I Just got a credit report and seen that XXXX was on there through Caine Weiner saying I owe them Money. I never got any notice or phone calls or anything and there is no last activity date or a contact phone number. I Should n't owe anything because I had automatic payments.
Product: Debt collection

I received mail saying that I owed money for a credit card from XXXX. I sent a letter out explaining that that was not at my debt. Time went by and it was still on my credit report. Then I went on to file with the FTC then it was taken off the months later I received a letter from Resurgent Capital Service saying that I owe them {$1800.00}. Then my payroll company contacted me saying that my wages were going to be garnished. Then I received an email saying that I my next court date is in XXXX. That can't be the case because I never had a first court date for them to put in an order to garnish my wages. That is a violation of my rights to garnish my wages without me first appearing in court after I filed a FTC report reporting that this debt did not belong to me and was a result of identity theft. Now my wages are going to be garnished for the first time in XXXX and my court isn't until XXXX. I can not afford for 25 % of my gross income to be taken out of my checks for a debt that doesn't belong to me. I want these garnishments removed because that debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX  / XXXX XXXX XX/XX/XXXX 5. XXXX / XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

This request is vital for addressing consumer concerns related to personal financial information, account discrepancies, or inquiries about financial products and services. By collecting and verifying this information, we can provide accurate solutions, resolve issues effectively, and safeguard consumers against fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency, Equifax, has had a severe security breach to which I have " possibly '' been affected -- not a " yes '' and not a " no ''. While that sounds extremely vague, it is extremely unsettling. I 've heard that the security breach could have been as early as XX/XX/XXXX - XX/XX/XXXX, and it is only now becoming public knowledge here at the beginning of XX/XX/XXXX. I work very hard to pay my bills on time and to establish myself as a trust-worthy borrower. This company has my confidential information, and I am not pleased that their digital security is lacking enough to have had a breach. Not only is my personal information possibly in the hands of others whom should not have it, I also heard that their executives issued an impromptu stock/sharing sell-off prior to the public 's knowledge of this security breach. I 'm not an expert, but that sounds like insider trading to me. From what I hear, and if past occurrences are any indication of the precedent that has been set, this company and its executives will receive a " slap on the wrist '' while other hard working Americans could possibly have their lives ruined due to identity theft or other types of forgery at the carelessness of others. I 'm sure this is not going to be the first complaint against Equifax, or the last, but this is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third attempt in reporting unauthorized accounts and unauthorized injuries on my credit profile.
Product: Debt collection

I am being over charged a copayment of XXXX dollars when it should be XXXX dollars. After multiple calls i did giving my correct copayment assistance card I keep getting billed the higher amount and I am being threatened with collection because of someones error at XXXX XXXX pharmacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I Leased a vehicle ( Acct # XXXX ) through BMW Financial Services. I paid my entire lease for 36 months and at the end of my lease I recieved a Excess Wear & Tear bill for {$1700.00} and a additional charge of {$300.00} for supposedly dropping off the car a week late ( Which i didn't ). I called BMW Financial Services and they contacted the dealer and they verified that the car was dropped off at the correct time and was never late. BMW Financial had realized they had made an error on this bill and removed the erroneous charge and I paid the bill in full right there on the spot {$1700.00} on XX/XX/2019 ( proof of payment Attached ). It has since been over 2 months and they are still reporting to the all 3 credit bureaus that I have a balance of {$2.00}. I have filed a dispute with all 3 credit bureaus and BMW Financial Services responded to the credit Bureaus by saying the balance is correct and I owe {$2000.00}. I called BMW Financial Services End of term Lease dept and spoke with a supervisor by the named XXXX and all I got from XXXX is the run around. XXXX kept telling me that he sees a {$0.00} balance and doesn't know what else to tell me. So I then I asked XXXX If they can send me a letter in writing saying that I have a {$0.00} balance on the account and his response was no. I don't know what else to do. This is taking a tool on my credit report and my score went down due to this and its taking a tool on my life. Please help me. my number is XXXX and my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my Experian credit report I noticed Experian credit reporting agency felled to remove inaccurate personal information during a previous dispute of the inaccurate information such as follows : 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 CA, XXXX XXXX XXXX XXXX XXXX This information is in violation of the CFPB section 15USC 611 the credit bureaus have a responsibility to report complete information please remove this information immediately as is is hurting my ability to obtain credit to get a new/car/house/etc the names above are not the correct spelling or my legal name please remove Remove all Alias variations or name from my credit report along with old the old address thank you if you dont remove it this time there will be an escalation!
Product: Vehicle loan or lease

We financed a new car through wells fargo auto XX/XX/XXXX and shortly after my wife and I were laid off due to covid. we still attempted to make the payments until XX/XX/XXXX when my father had passed I called and requested a deferment and they denied me for not having enough income. So I continued to try to make payments when I could. Come XX/XX/XXXX they repod the car and I borrowed money off my mother from my father 's life insurance to get it back but was still out of work. Do attempted to make payments when I could and I requested a deferment again in XX/XX/XXXX was denied for income and then again in XXXX and XXXX. I was setting up payments ahead of time for whatever I could pay between {$100.00}. and {$400.00}. Well XX/XX/XXXX I called in to set up two more payments after paying {$400.00}. between XX/XX/XXXX and XXXX XXXX and they told me " sorry we charged the account off XX/XX/XXXX ' they refuse to let us reinstate the loan and the also refuse to give other lenders the pay off amount in order for us to refinance. They never ever told us we weren't making enough payments and they definitely didn't tell me when I scheduled my payments on XX/XX/XXXX that if I dont pay x amount of dollars by XX/XX/XXXX they would repo the car. They also refused to allow us to defer again on that date. We were entitled to 3 deferments per life of the loan and we never used any of them because our hardship was too much of a hardship to qualify for it. We make more than enough money to pay this payment but we have been playing catch up on all of our bills since covid and trying to make this {$890.00}. payment plus all the late fees. if they would of let us defer just one time we would of been back on track and able to make all payments on all of our bills on time.
Product: Debt collection

Dear, PORTFOLIO RECOVERY ASSOCIATES I am writing in reference to a debt you have claimed to collect, listed under account XXXX and Account Number XXXX on my credit report. I dispute the validity of this debt and request immediate action on the following matters : XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt, including Detailed information about the chain of title for this debt, including proof that you have legal authority to collect. A full breakdown of the debt, including any fees, interest, or charges added to the original balance. Documentation of any contracts or agreements that substantiate my responsibility for this debt. 

XXXX. Request for Purchase Agreement : If this debt has been sold or transferred to your agency, I request a copy of the purchase agreement or bill of sale that confirms the transfer of this debt from the original creditor to your company. This documentation is necessary to establish your legal right to collect on this account. 

XXXX. Demand for Removal from Credit Bureaus : Since this debt has been sold, I request that all negative information related to this account be removed from my credit reports with XXXX, XXXX, and XXXX. Reporting this debt without full validation and proper legal ownership XXXX constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Conditional Agreement for Compensation : If you fail to provide the requested validation, including the purchase agreement, and do not remove this account from my credit reports within XXXX  days of receiving this letter, it will be understood that the debt is invalid. Furthermore, by failing to comply within the XXXX period, you agree to compensate me {$500.00} per day for each day that the debt remains on my credit report past the deadline until it is removed. 

Please note that under the FDCPA, you are required to cease all collection activities, including reporting this debt to the credit bureaus, until it is validated. 

I expect your prompt response and resolution of this matter. Failure to comply with these requests may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the pursuit of legal remedies. 

Thank you for your attention to this matter Sincerely XXXX XXXX
Product: Mortgage

I am constantly given wrong Information from different customer reps ... on XX/XX/22 at XXXX XXXX the agent and supervisor were extremely rude talking to me. I have been a Mortgage Customer for over 12 years.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : 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  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Citi Bank is reporting completely different information to all three bureaus as it relates to account # XXXX with the balance of {$9300.00}, account # XXXX with the balance of {$3500.00} and account # XXXX with the balance of {$2900.00}. The last activity reported, date credit accounts were opened, dates reported and highest balances are ALL INCORRECT. 

Incorrect information CAN NOT be reported to someone's credit report and moreover, DIFFERENT and FALSE information can not be reported to the three bureaus. Information must all be the same and be CORRECT, which this is not. This could be a case of identity theft! All of this information for these THREE CLOSED accounts is completely incorrect and I'm demanding it be removed and settled separately. I will not see credit or loans from Citi in the future ; I want this removed because it is FALSE.
Product: Credit reporting or other personal consumer reports

Submitted disputes XX/XX/year>, XX/XX/year> to have fraudulent accounts removed off of report and tons of inquiries that are not mine on my report, XXXX bureaus has a high score which is Equifax and trans union has me XXXX points lower, makes no sense. I should have no inquiries and XXXX XXXX accounts should be deleted as well as any collections which are not mine. Balances not updated promptly,
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX - Account # XXXX
Product: Credit reporting or other personal consumer reports

In 15 days, I am scheduled to perform my monthly credit report update through XXXX XXXX. I am eagerly anticipating the removal of the one remaining fraudulent inquiry during this update. For your reference, I will re-attach my FTC report # XXXX to this complaint. 
EQUIFAX : XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion by facts ... because your XXXX  you report incorrectly. Just today as a client I pulled a XXXX XXXX XXXX from you but was denied a mortgage -AGAIN. Lender- Upon checking the credit, your score did go up to a XXXX, however, your wife middle score is at XXXX. XXXX -WHAT A XXXX XXXXXXXX COMPANY YOU ARE. PLEASE DON'T GIVE ME ANOTHER BS LETTER. By opinion based on facts -your a scam... .simple as the facts posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, TransUnion, and XXXX my payment history is incorrect. It needs to be updated and removed for late payments. The companies that were paid in full like XXXX XXXX XXXXnd XXXX and XXXX XXXX XXXX XXXX payment history is wrong. My payment history for XXXX XXXX needs to be updated as well. The Balance is incorrect for all three bureaus. My credit score should be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Experian for some time now. Still to no avail, they have not helped me. In 2018 my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute. Please look at the report I attached. It shows all of the different dates being reported to different credit bureaus.
Product: Debt collection

company XXXX XXXX XXXX sends me numerous letters trying to get from me {$300.00} than i not owe. Also they bother me with EVERY day early morning phone calls. ( from number XXXX ). 
This is intrusion into my private life and attempt of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries reporting on my credit report that I didnt authorize or approve and I would like them removed as soon as possible because they are fraudulent. The following inquiries are not mine and I dont recognize them : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXXXXXX XXXX/dept of ed opened on XX/XX/XXXX, XXXXdept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 


According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution should share my information with a third party.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive dispute information. 

These are clear violations of my federally protected consumer rights. 

They violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I had a charge for XXXX that was never completed because the store was closed. I called in to cancel the charge. They said they were sending me a new card and never did. They told me for two months it was a systems issue. Then told me the account was closed