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

I attended a private event in XXXX and my belongings were stolen including my social security card and driver 's license. Myself along with the other guests reported the incident to local authorities on site. I recently obtained a copy of my credit report and noticed accounts with XXXX and XXXX, that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/XXXX, notifying them of the identity theft and requesting verification. 
Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2. 

I've sent two letters requesting an update and verification with no formal response. I also noticed credit inquiries on my report that I have not authorized. Furnishing information to my profile without my written consent or permission is in violation of 15 USC 1681. These inquiries I have no knowledge of include : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, After further investigation of my profile, I noticed addresses listed where I've never lived. With me having a common name this is affecting my credit and ability to obtain credit. I've also requested for these previous addresses to be removed, and only report my current address.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint and also bring to your serious attention regarding the inaccurate information displayed on my credit reports by XXXX, XXXX XXXX Experian. 

The information reported by XXXX XXXX XXXX XXXX ( Account # XXXX ), which appears to be in flagrant violation of numerous consumer protection laws and federal regulations. Specifically, the following violations have come to light : 1. Violation of 15 US Code 1681a ( 2 ) ( B ) concerning charge-offs and repossessions.

2. Contravention of 15 US Code 1681c ( 2 ) by blocking information, potentially facilitating identity theft.

3. Breach of 15 US Code 1681e ( b ) by failing to ensure maximum accuracy in reporting.

4. Non-compliance with 15 US Code 1681a ( 2 ) in regard to definitions and rules of construction.

5. Breach of 15 US Code 1692c concerning communication related to debt collection.

6. Violation of 15 US Code 1692g regarding improper reporting of debt collections.

7. Disregard for 15 US Code 1601 which outlines Congressional findings and the declaration of purpose regarding consumer protection.

8. Failure to adhere to 15 US Code 1681a ( 2 ) ( A ) ( i ) pertaining to late payments.

9. Violation of 15 US Code 1681b ( a ) ( 1 ) ( 2 ) regarding permissible purposes for obtaining consumer credit reports.

These violations not only constitute serious breaches of the law but also have significant adverse effects on me as a consumer. Furthermore, I must express my dismay at being instructed once again to contact your institution to dispute information that is clearly not mine, which amounts to yet another violation.

It is imperative that immediate action is taken to rectify these errors and remove any and all harmful, unlawful, deceptive, illegal, and fraudulent information from my credit report. Failure to do so may result in further legal action, with jurisdiction in a venue convenient to me.

I trust that you will address these matters with the urgency and seriousness they warrant, and I anticipate a prompt resolution to this troubling situation.
Product: Money transfer, virtual currency, or money service

I am filing this formal complaint against XXXX XXXX ( XXXX ) for violations of the Consumer Financial Protection Act ( CFPA ). The violations are as follows : 1. Deceptive Practices : XXXX misrepresented certain features of its platform, including [ describe the specific deceptive practice, e.g., unauthorized charges, misleading advertising about premium services, etc. ]. This caused me financial harm and was misleading to consumers. 
2. Unfair Practices : The company engaged in unfair practices by [ describe the unfair actions, e.g., auto-renewing subscriptions without proper notice, failing to provide refunds despite promises, etc. ]. These actions resulted in undue costs and stress to me. 
3. Failure to Protect Consumer Privacy : XXXX failed to safeguard my personal and financial data, leading to [ describe any consequences, e.g., exposure of sensitive information, unauthorized charges, etc. ]. 

I believe these practices are in direct violation of the CFPA, which prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ) in financial and consumer-related transactions.

I request the following resolution : 1. A full refund of [ $ amount ] for the financial harm caused.

2. Clear documentation of XXXX compliance with CFPA regulations. 
3. Assurance that XXXX will cease these practices immediately and implement measures to prevent further violations. 

Attached are [ list of supporting documents, e.g., screenshots, payment records, correspondence with XXXX, etc. ] that provide evidence of my claims. 

I urge the appropriate authorities to investigate these violations and ensure that XXXX XXXX complies fully with federal consumer protection laws. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and advise on any additional steps required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported my account as 30 days past due in XXXX of 2023. My account was not past due in XXXX of 2023. I have asked multiple times for the credit bureaus to investigate with XXXXXXXX XXXX but has been unsuccessful. I even asked XXXX to do a good will correction because even if we were late it truly was cause by circumstances outside our control.
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.

XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report 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, credit repair services, or other personal consumer reports

Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Equifax is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein theXX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXXpayment is reported as NOT past due ). Equifax is in violation of state and federal law in doing so. I demand that Equifax delete the XX/XX/XXXX payment regarding XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX ) 2 times is inconsistently is adversely impacting my credit score.
Equifax has also leaked information concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX ) in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was included in the XXXX, XXXX, and Experian data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to Experian, XXXX, and XXXX more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now
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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Listed below are the Accounts reported inaccurate. 

XXXX XXXXXXXX XXXX Account number 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 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

Under the Fair Credit Reporting Act, XXXX Account XXXX for XXXX has violated my rights.

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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Debt collection

A debt collection agency refuses to remove a debt that was dismissed in court back in 2019. I have disputed twice with the credit bureaus.
Product: Debt collection

The representatives do not identify themselves, nor do they completely verify their customers. When calling they only ask my name and date of birth ... how is this proper verification? Personal information can be shared with anyone who knows my name and birth day. When I call the company reps refuse to provide their names. They refuse to allow me to speak with management and I have also been hung up on several times. They yell at consumers. The mini-miranda has never been read to me verbally. After at least 15 phone calls made over the last year I finally found out the name of the rep that I have been speaking with.. He may have not been honest. He advised that his name was XXXX XXXX and that he was the head of the company ... XXXX XXXX if you are the head of the company you should not be treating customers in such a rude manor and be following the FDCPA collections laws. Why are you even handling a {$340.00} dollar cable bill if you are running the company? One agent was willing to offer an arrangement on XX/XX/XXXX and when I called back on XX/XX/XXXX I was completely disrespected and hung up on. XXXX XXXX yelled at me and I was threatened. Completely unfair practices by XXXX. XXXX XXXX is extremely rude and I plan on taking this issue as far as possible. All over a XXXX cable bill. I have never received a written debt validation notice. All XXXX XXXX wants to do is argue rather than helping customers. 
XXXX XXXX has made several false statements and misrepresentations. He has used obscene, profane, or abusive language. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX
Product: Debt collection

I am represented by an attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Ph # XXXX. I filed for Chapter XXXX bankruptcy through this attorney. 

I notified Minute Loan Center located at XXXX XXXX XXXX, XXXX, DE XXXX, Ph # ( XXXX ) XXXX, Ph # ( XXXX ) XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ; Ph # ( XXXX ) XXXX of the attorney 's representation and the bankruptcy filing. 

I received text messages and voice messages from Minute Loan Center daily requesting me to contact " XXXX '' or XXXX regarding the loan. I replied several times stating Do Not Contact Me and contact Attorney XXXX XXXX. Minute Loan Center continues to text and call daily. 

On XX/XX/2020, I contacted XXXX and spoke to XXXX. After informing XXXX of the same, XXXX stated XXXX will continue collection activities regardless until they receive a letter from the court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.
Product: Credit reporting

I WAS UNABLE TO FILE TAXES THIS YEAR BECAUSE SOMEBODY ALREADY FILED UNDER MY NUMBER. I TRIED TO GO CHECK MY CREDIT SCORE AND IT SAID I HAD ALREADY CHECKED IT .... I HAVEN'TTRIED WITH ANOTHER AGENCY AND WOULD NOT LET ME PROCEED. 

I FILED FRAUD ALERT WITH CREDIT BUREAU
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/2024 and noticed some incomplete and inaccurate information. According to the Fair Credit Reporting Act ; Whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete or accurate. I sent a letter disputing the accuracy and completeness of my report. They sent my investigation back and said everything is complete, accurate and verified. I have attached evidence to support my claim to DELETE these accounts from my credit profile due to factual disputing and agencies not properly investigating my disputes. In accordance with 15 USC 1681 i 5 they're supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if, 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, ot 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 deleted from consumer profile. Also according to this law they're supposed to provide me a description of the investigation according to 15 USC 1681 i ( 7 ) : ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer description referred to in paragraph ( 6 ) ( B ) ( III ) by not later than 15 days after receiving a request from a consumer. But they did not do so. According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and these fraudulent accounts have caused me tremendous stressed as well as job opportunities. I have sent XXXX multiple dispute letters as well as faxes regarding these fraudulent accounts. I am requesting for the following accounts to be blocked and removed immediately due to fraud and identity. I have never opened any of the following accounts listed below : 1. XXXX XXXX | XXXX BALANCE : {$2400.00} 2. XXXX | XXXX BALANCE : {$3100.00} 3. XXXX XXXX / XXXX | XXXX BALANCE : {$3800.00} 4. XXXX XXXX / XXXX | XXXX BALANCE : {$0.00} 5. XXXX XXXX / XXXX | XXXX BALANCE : {$3300.00} 6. XXXX XXXX | XXXX BALANCE : {$8600.00} 7. XXXX XXXX XXXX XXXX BALANCE : {$5200.00} XXXX. XXXX XXXX XXXX XXXX BALANCE : {$1100.00} 9. XXXX/XXXX XXXX XXXX XXXX | XXXX BALANCE : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Bureaus Transunion, XXXX, and XXXX, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have XXXX Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them XXXX. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title XXXX XXXX Code XXXX Credit Acceptance never XXXX XXXX Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.
Product: Credit reporting or other personal consumer reports

IMPROPER COLLECTIONS ON CREDIT REPORT PAYMENT HISTORY LISTED ON CREDIT REPORT UNAUTHORIZED THERE ARE SEVERAL ACCOUNTS OVER 7 YEARS OLD SOLD TO COLLECTION AGENCIES. 
INACCURATE DATES OF ACCOUNT OPEN DATES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS INACCURATE. 
XXXX, XXXX STATED I HAVE A CHARGED OFF AMOUNT OF {$450.00}. THIS IS INACCURATE. I WOULD LIKE TO SEE BAN STATEMENTS THAT I HAVE PREVIOUSLY REQUESTED ALONG WITH SIGNED DOCUMENTS OF WITHDRAWLS AND OVERAGES ON THE ACCOUNT. I NEVER RECEIVED THIS INFORMATION AFTER DISPUTING THIS ON THE XXXX APPROX. 2 YEARS AGO. I HAVE ALSO TRIED GOING TO THE BRANCH AND FOUND THAT IT HAS BEEN CLOSED. I NEED SIGNED DOCUMENTS PLEASE BECAUSE IDENTIFICATION IS NOT ALWAYS REQUIRED INSIDE OF YOUR ESTABLISHMENTS. ALSO MY XXXX REPORT STATES THAT THERE IS NO DATA AVAILABLE FOR XX/XX/XXXX UNDER MY PAYMENT HISTORY. PROVIDING ALL OTHER MONTHS BEFORE AND AFTER XX/XX/XXXX IS AVAILABLE ABOUT THE ALLEDGED DEBT I OWE. 
XXXX XXXX XXXX- CREDIT CARD ACCOUNT REPORTS MY CREDIT LIMIT WAS {$230.00} WITH A BALANCE OF $ XXXX IS INACCURATE. MY CREDIT LIMIT REPORTED BY XXXX XXXX IS INACCURATE AND SHOULD BE REMOVED FROM MY CREDIT REPORT. FIRST PREMIERE REPORTS ON MY XXXX REPORT THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER MY PAYMENT HISTORY REFLECTS PAYMENTS RECEIVED IN XXXX XXXX AS WELL AS XX/XX/XXXX THIS INFORMATION IS NOT ACCURATE AND GIVES CONFUSING INFORMATION ON THE PAYMENT HISTORY AND IS INACCURATE. THIS INACCURATE REPORT SHOULD BE REMOVED FROM MY REPORT AS WELL. 
XXXX XXXX XXXX THAT THE ACCOUNT HAS BEEN CLOSED AT CREDIT XXXX 'S REQUEST AND THIS IS INACCURATE. I CURRENTLY HAVE A OPEN ACCOUNT WITH A {$200.00} CREDIT LIMIT AVAILABLE AS OF XXXX XXXX PER XXXX WEBSITE. THIS INFORMATION ABOUT ACCOUNT BEING CLOSED REFLECTES NEGATIVELY ON ME AND SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
*
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX The following personal information is incorrect
Product: Checking or savings account

On XX/XX/2022, I logged into my XXXX bank of America account to find that there was XXXX transactions on my account that were NOT authorized. I called Bank of America XXXX support to dispute all transactions. Bank of America rep proceeded to tell me that my money " might '' be refunded. Claim ID is XXXX. Claim was submitted on XX/XX/XXXX for the amount of {$2800.00}. I have a mortgage to pay and bank of America is not giving me any updates or any refund for money that was stolen out of my account and now I will be unable to pay essential bills and living expenses. I would just like my money refunded so i can pay my bills.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report an account incorrectly. I previously disputed the account XXXX XXXX  Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some fraudulent activity on my credit report in which I reported to Equifax. Since everything is now accurate, I've requested that Equifax remove the fraud alert and they refuse to remove the fraud alert. I've requested them to remove the fraud alert on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today, XX/XX/XXXX. I don't understand why they refuse to remove the fraud alert but I feel that after over 1 year of requesting them to remove it that they should now be obligated to do so.
Product: Credit reporting or other personal consumer reports

IN XXXX XX/XX/2021, I WAS A VICTIM OF IDENTITY THEFT. I NEVER TOOK OUT A LOAN FROM THIS COMPANY XXXX XXXX XXXX'. THIS ACCOUNT DOES NOT BELONG TO ME. NOW I SEE IT ON MY CREDIT REPORT THE SCAMMERS/HACKERS TOOK OUT A LOAN OF {$890.00} XXXX CHANGED MY BANK ACCOUNT. DELETED MY EMAIL. I ALREADY MADE A CLAIM TO ALL 3 CREDIT BUREAUS AND CONTINUED THE " FREEZE '' MY IDENTITY WAS STOLEN- PLEASE HELP IN CLEARING THIS FROM MY CREDIT REPORT. THIS ACCOUNT DOES NOT BELONG TO ME...