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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX under 15 U.S.C. 1681s-2 Dear CFPB Representative, I am writing to file a formal complaint and dispute concerning two accounts reported by XXXX XXXX under two different account numbers : XXXX and XXXX. I am disputing the accuracy of the information being furnished by XXXX XXXX, as the accounts are being reported inaccurately on my credit file. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information, including XXXX XXXX , are required to report accurate and complete information to credit reporting agencies. As part of this duty, they must promptly investigate any disputed information reported by consumers. I have reached out to XXXX XXXX directly to correct the errors, but the issue remains unresolved. 

Details of the Dispute : XXXX. Account Number XXXX : This account is inaccurately reported, and I am requesting verification and correction of the information associated with it. 
XXXX. Account XXXX XXXX : This account also contains inaccuracies, and I am disputing the reported information, as it appears incorrect. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX fully complies with 15 U.S.C. 1681s-2 by conducting a thorough investigation and correcting any inaccurate information associated with these accounts. 

Please let me know if any additional documentation or information is needed to process my complaint. I appreciate your attention to this matter and look forward to a resolution that ensures accurate reporting. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a XXXX XXXX account in XX/XX/XXXX in that time I have been late with payments. However I have paid my balance. My credit limit was {$350.00} for three years. On XX/XX/XXXX XXXX XXXX went into my account and changed my credit limit to {$100.00} dollars. I recently submitted them a payment on XX/XX/XXXX of {$150.00} dollars. I received no warning about them decreasing my credit limit and they have never done this before. I informed them that I did not want a credit with a limit of {$100.00} dollars and that was not my initial credit limit. Customer Service and the Supervisor informed me that I could close my account and it would be reported as a closed account on my credit report which would lower my credit score. I feel like I am being forced to keep a card that the original limit was changed and if I don't it will affect my credit score. I have no documents because I was never notified by mail. I had to call them myself
Product: Checking or savings account

Someone tried to cash a fake check into my account and without to take actions or look into the situation my account was closed without noticed. Making me look and feel guilty
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Product: Debt collection

Repeatedly calling my sister and ex-husband stating she needs to speak to me in order to update my information. The number " XXXX '' calls them from is ( XXXX ) XXXX. I received a voice-mail today from a lady named XXXX XXXX stating she needed to speak to me regarding a business matter that came across her desk TODAY. The # she called from is ( XXXX ) XXXX. Neither of these numbers are verified RRS numbers. " XXXX '' tells my sister and ex-husband that she has sent me numerous emails and I am " ignoring her attempts at helping me. '' I have NEVER received any emails from RRS.
Product: Debt collection

The company ARA ( XXXX XXXX XXXX ) contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX * XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from XXXX from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act,  XXXX XXXX
 has violated my consumer  rights.

 15 U.S.C 1681 section 602 A. States I have the right to privacy.
 The credit bureaus have failed to keep my information private.

 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. I never gave nobody the permission to furnish anything on my account. So how is this information being reported?

15 U.S. Code  6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. I do not want my information shared with third parties.

15 U.S.C 1681 (2) A (i) the term consumer report does not include report containing information solely as to transactions or experience 
  If this is the case why is my report showing late payments

15 U.S. Code  1666b Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

had account with   XXXX   XXXX   in   XXXX   XXXX    florida around 2013. closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my  XXXX  and credit report just with the last two months. I do not have my old account number. want it removed immediately
Product: Debt collection

Apparently, the company has flagged my account for a collection for an amount of {$18.00}. I have no idea who they are or who I might owe this amount to, because I have not been contacted by anyone about this, as far as I can recall. I contacted the company and left a voicemail with my name and phone number in case they decide to contact me directly.
Product: Checking or savings account

an account was open in my name I had identity theft and the amount is XXXX it was closed on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After many complaints, Equifax continues to have issues solving my problem. I CAN NOT LOGON to my Equifax account because it says there is NO CREDIt REPORT OR CREDIT SCORE is UNAVAILABLE, I called them on XX/XX/2023 and they said I would have to fax them updated information such as an ID. They indicated that I could get access to my report ONLINE in a week. I faxed them this information on XX/XX/2023 and waited two weeks until I logged on again. 

Again, on XX/XX/XXXX, I logged on and the error on the website said they could not show my credit report or score and it was unavailable. I DON '' T WANT A COPY MAILED, I WANT TO ACCESS THIS ONLINE at myEquifax.com. JUST FIX IT, IT HAS BEEN ALMOST A YEAR. THEY SHOULD BE FINED FOR ELDER ABUSE.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and Experian due to their mishandling of a medical collection that appears on my credit report. This situation involves clear violations of federal laws that protect both my rights as a consumer and my medical privacy. 

HIPAA Violation : XXXX XXXX appears to have obtained and used my medical information without my explicit consent or proper authorization, in violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

HIPAA Privacy Rule Violation, contained in 45 CFR Parts 160, 162, and 164.

FDCPA Violation ( 15 U.S.C. 1692g ) : Required debt validation was not provided. Despite my written requests, XXXX XXXX has not provided sufficient documents to prove the validity of the debt.

FCRA Violation ( 15 U.S.C. 1681s-2 ) : XXXX XXXX reported this medical debt to the credit bureaus without verifying its accuracy. Additionally, they failed to adequately respond to my dispute filed through the credit bureaus, which is a violation of their obligation to ensure that the information reported is accurate and complete.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue that has significantly impacted my financial stability and well-being. I have diligently reported and disputed the inclusion of a XXXX XXXX  bankruptcy on my credit reports with all three major credit bureaus- XXXX, XXXX, and TransUnion. 

I have taken various steps to rectify this error, including reporting the issue by phone, sending certified letters, and utilizing the credit bureaus ' online dispute platforms. Despite my persistent efforts, the bankruptcy court has not reported any information to the credit bureaus, and I have repeatedly requested that the credit bureaus provide evidence of authorization from the court. 

To my dismay, every agent I have spoken to at the credit bureaus has acknowledged that they lack any signed documentation from the bankruptcy court authorizing the inclusion of the XXXX XXXX bankruptcy on my credit report. This erroneous listing has had severe consequences for my family and me, as we find ourselves homeless and unable to secure housing or favorable financial terms due to the adverse impact on my credit profile. 

I am gainfully employed, but the repercussions of this inaccurate bankruptcy listing have made it impossible for me to rent an apartment, purchase a home, or secure reasonable interest rates on financial products such as car insurance. The distress caused by this situation is immeasurable, and I am reaching out to seek your assistance in resolving this matter promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and rectify this issue. Your guidance and intervention in ensuring that the credit bureaus adhere to accurate reporting practices would be invaluable in restoring my financial stability and providing my family with the opportunity for stable housing. 

I appreciate your prompt attention to this matter and am hopeful that with your assistance, we can rectify this situation swiftly. 

Thank you for your time and consideration.
Product: Checking or savings account

On XX/XX/2023 around noon I was called in the afternoon by a number attached to the XXXX XXXX XXXX by " Officers '' with badge numbers claiming that I was in violation of not appearing for federal jury duty. I was told that I needed to use a platform to pay {$2000.00} to a number tied to the court system in order to push back the citation and do a signature test. I provided the {$2000.00} to the specified number but felt uneasy. I went to my local chase Bank soon after to file a claim while the transaction was still pending. A woman on the phone in the claims department for Chase said that there was a a claim in progress now and that only after the weekend will any action be taken. I called the following week to follow up and no actions were taken until I was on the phone with Chase. The asked me some more questions around the incident and I gave my report out. In either interaction with the bank I was not given a claim number attached to this claim. 

One week after I filed a police report with my local prescient. I am now filing my report here with the CFPB
Product: Credit reporting or other personal consumer reports

Experian is furnishing inaccurate information. LAST DATE REPORTING IS DIFFERENT from the other bureau. Every date should be the same if the data comes from the same furnisher. Please remove account.
Product: Debt collection

I FELL VICTIM TO THE XXXX DATA BEACH AND OTHER DATA BREACH
Product: Credit card

There has been fraud associated with my social security which has led to credit card fraud. Four accounts have been associated with my social security ( XXXX Capital One accounts, XXXX XXXX XXXX ) and have added me as an authorized user and I have zero knowledge of these accounts. Tied to these accounts is a newly added address to my credit file that I have zero knowledge of as well. I can not remove these credit accounts due to the address being tied to my account.
Product: Debt collection

I recently received a letter from Credit Collection Services and I asked for them to send me debt validation and they sent me a letter stating the account is past-due and ignored my request for debt validation. 

Not only did they ignore my request for debt validation, but they inserted a negative entry on my credit reports.
Product: Debt collection

Phone call harassment all hours of the day, will not stop calling. I do not owe anybody any money, never missed a payment in my life and am a XXXX veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX years old they have her same social security number as my minor child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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: Debt collection

In 2020 I received notices that this account that was not mine was delinquent. I notified XXXX XXXX that the account was not mine and opened fraudulently but they persisted to try and collect even after I furnished them with a police report and identity theft case report and number. The account was then sold to Cavalry portfolio services  after XXXX removed the account as a collection.
Product: Credit reporting or other personal consumer reports

Negative accounts on my credit report I have no knowledge of and don't belong to me. 


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

Dear CFPB, I am writing to file a complaint against Equifax for failing to correct inaccurate information on my credit report and not conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to Equifax, the following inaccuracies remain unresolved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has either failed to respond or has provided inadequate responses that do not address the issues raised. I am aware that the CFPB has recently filed a lawsuit against Equifax for similar violations, alleging that they have conducted sham investigations and unlawfully reinserted inaccurate information into consumer credit reports. 

I request that the CFPB investigate this matter and require Equifax to correct my credit report accordingly. 

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

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as recentas XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.
Product: Credit reporting or other personal consumer reports

I am reaching out to ensure strict compliance with the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and completeness of the information you maintain. I demand that only current, accurate, complete, and lawfully reported data be retained in accordance with FCRA regulations. Any information failing to meet these criteria must be promptly and permanently removed from your records, especially if it pertains to potentially damaging inaccuracies, whether known or unknown. 
Upon reviewing my credit profile, I have identified discrepancies, false accusations, and potential instances of fraudulent activity. The following personal information requires immediate attention : My legal full name is XXXX XXXX. Any other name variations must be expunged from your records unless accompanied by legal documentation proving the right to retain such information. I explicitly forbid the reporting of any middle name or initial. 

My accurate Social Security Number is XXXX. Any other SSN listed without my explicit authorization must be removed immediately, or you must provide legal justification for its retention. 
My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX. 
Any other addresses, including previous ones, must be deleted from your records as they are non-mailable. Failure to do so will be considered a violation of my consumer rights unless supported by legal evidence permitting their retention. 
My date of birth is XX/XX/year>. Any alternative dates of birth listed must be expunged unless accompanied by legitimate documentation proving their accuracy.