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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : Experian 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 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding an account on my credit report that I believe is a result of identity theft. The account in question is with XXXX XXXX, and it was reported on XX/XX/year>. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$710.00} - Credit Limit : {$400.00} - Account Type : Charge Account - Responsibility : Individual Account - Remarks : Charged off account, Account previously in dispute - Now resolved by data furnisher, First payment never received I am disputing the accuracy of the information reported for the following reasons : 1. **Identity Theft : ** I have reason to believe that the account in question is a result of identity theft. I did not open or authorize this account, and I have no affiliation with XXXX XXXX. 

2. **Inaccurate Reporting : ** The reported balance of {$710.00} and the charge-off status of the account are inaccurate and do not reflect my financial history or activities. I request a thorough investigation into the origin of this account and verification of its validity. 

3. **Resolution of Dispute : ** The remarks on the account indicate that it was previously in dispute and has now been resolved by the data furnisher. However, as I did not initiate this dispute, I request clarification on the details and outcome of the dispute resolution process.

4. **Protection of Credit Report : ** I request that immediate steps be taken to protect my credit report and prevent further damage resulting from this fraudulent account. This includes the removal of any inaccurate or fraudulent information from my credit report. 

I request that the Consumer Financial Protection Bureau prioritize this matter and conduct a thorough investigation into the identity theft and fraudulent account activity. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft.

- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/year> the vehicle i owned was totaled by a hit and run drunk driver. Insurance paid out to XXXX XXXX but not the remaining full loan amount. The GAP insurance company also refused to pay the remaining balance. Complaints have been filed with the state Attorney Generals office for bad faith practices. 
XXXX reports they charged off the remaining balance ( {$7600.00} ) as profit loss with the IRS but never provided me a 1099-C to claim it as income. They still report this balance on my credit. My understanding is this is fraudulent.
Product: Mortgage

I called for mortgage relief due to unemployment 7 times on XX/XX/XXXX and was hung up on each time. This is discriminatory. How are we supposed to speak to someone regarding COVID mortgage relief if your phone staff is constantly hanging up on callers? 

I called on XX/XX/XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Product: Debt collection

One day this account appeared on my credit report. I never received any communication from Consumer Adjustment company. This was my 1st time hearing from this company. I should had received a debt verification letter giving me rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Been a victim of Identity theft. I did not Authorize anyone to open any Accounts Using my Information.. These accounts is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please update the following accounts completely from my credit reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting

Sent the attached letter to the credit company at the same time filed with CFPB. This credit report is a joke. Its 90 percent wrong and I paid {$39.00} for it. See attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance corp 1 : As of XXXX, the balance to the car loan was up to date and the total balance of the car loan was around the XXXX mark ( the creditor can confirm this ) 2 : As of late early XXXX the car a surrendered to the bank and weeks later they tried to file a claim with my insurance company for damages that I was not at fault for. The charges were around XXXX 3 : As of around late XXXX they tacked on that balance to the remainder of the loan and the balance was showing at around the XXXX. 
4 : Early XXXX they adjusted it to around XXXX on the website but they are reporting on my credit report that I have a balance of XXXX and I am still being reported as late even though the loan is closed
Product: Debt collection

against : XXXX XX/XX/2017 charges were made of XXXX to my store card claiming I ordered magazines. I did NOT order them. Called XXXX and they told me I would have to call the magazine companies to get charges removed ( XXXX XXXX, XXXX, XXXX ). partial payment removed which resulted in late fees being applied by XXXX. After harassing phone calls from XXXX I tried again to have the remainder removed. Again, only a partial payment was removed from the magazine companies. This went on again for two months. Two more late fees added to something I DID NOT owe! I ended up with a balance from the magazine companies of XXXX and odd cents and late fees on the next bill. I tried again to contact XXXX via email telling them if they would remove the late fees I would pay the XXXX just to be done. They responded by saying I would have to dispute the charges. XXXX has ruined my credit. I faithfully pay my debt and this was through no fault of my own. Never would I order magazines I don't want. I am a responsible home owner with mortgages and credit cards I have never been late on. I want this removed from my credit report along with all the negative credit marks. I appreciate any help you can give me. This has been a battle for months!! XXXX has committed fraud and deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

Also, Experian have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification.

Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher Experian contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. XXXX, XXXX, & Experian should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX are fraud accounts all three credit bureaus are refusing to except police report claiming its not a real police report
Product: Money transfer, virtual currency, or money service

PayPal has locked my account due to questionable transactions, requires me to send certain information before my account will be unlocked. 

While this might be good security, there were only 3 small transactions during the period they are monitoring and they are all authorized by me and totally legit.

The only issue is I can not now close the account, I simply do not use it that much and I can not close it until they get the same 4 pieces of information they want me to provide. Some of this is easy enough ( photo ID - but why? ), some not so easy ( bank statement ), all of this a project I dont have time to undertake.

Meantime, they have access to my banking and credit card data, I can not make any changes.

It us nearly impossible to reach a person to speak with, but I did get an agent who said sorry spoke to a supervisor who said sorry.

I just want to close this, too hard to deal with when there is an issue.

What can I do without giving them more information than they already have?
Product: Credit reporting, credit repair services, or other personal consumer reports

With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX   XXXX/XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 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 ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint directly to Experian and XXXX Credit Bureaus, as when checking my XXXX Credit Report, I found that the fraudulent inquiry I requested to remove was no longer be seen in my credit report. So I kindly request to the remaining XXXX credit bureaus to fully remove these remaining fraudulent inquiries from my credit file : EXPERIAN : 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, credit repair services, or other personal consumer reports

I am a Identity theft victim. This is the worst thing that has happened to me. I've had perfect credit for years. There are two accounts that were opened fraudulently on my credit profile. I request that they be removed immediately! I have uploaded my Identity theft report, the description of the items and my other supporting documents!
Product: Debt collection

I recieved a letter from National credit in XX/XX/XXXX to which i sent a certified letter back to them which was signed for. I had asked for validation of the debt that XXXX XXXX claimed i owed. I have not ever done business with this company. He sent me a XXXX page copy of a lease that had no signatures on it and a agreement inspection report WITH NO DATES ON IT. this did not meet the required law for validation and has not been met to this date
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company and tried multiple times to resolve the issue. They refused to do anything.
Product: Payday loan, title loan, or personal loan

I originally opened this loan in XX/XX/XXXX. This company has daily finance charges that are unfair and take advantage of people in time of distress. Their percentages of the loan payoff are extremely high. At or above 30 %. I have been paying almost all interest and this loan has been going on for 9 years! I have finally paid this loan off but something must be done on the amount of interest they are allowed to charge the consumer. This is the following information from my XXXX printout. 

One Main Financial XXXX XXXX  XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Original Creditor Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$10.00} Balance Updated XX/XX/XXXX Original Balance {$7300.00} Monthly Payment {$10.00} Past Due Amount Terms 60 Months Responsibility Individual
Product: Credit card

I received a letter in my email from Synchrony Bank that they closed my account after reviewing my credit report. I've had this account for months and payments were never late, nor has any other open account I have been late. I called the bank and the first agent I spoke with tried to say there were late payments reported to Synchrony Bank from the XXXX credit bureau. The manager I spoke with kept hiding behind the company policy that they have the right to close accounts at their own discretion. I pulled my credit reports after the phone call to find out the bank LIED and there are NO accounts with any late or missed payments. 

The bank could have reached out like others do to check in on my income but they didn't. And they should have since I recently gotten a promotion in my job. I will never do business with this bank again, never recommend them, and they really need investigated for these shady and dishonest business practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on one payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the three credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my three credit reporting services, such as XXXX, Equifax, and XXXX. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.
Product: Prepaid card

Received a Money Network card from XXXX XXXXXXXX. Was able to activate the card initially and check my balance. 

Currently I'm unable to log in to their website, as it goes straight to an error page when I try. I downloaded their app instead to manage my unemployment money, and that is similarly broken. Can't log in, reset my password, or even attempt to reverify my card. All app functionality is broken. 

Because of this, I am currently unable to access my account to transfer funds to my actual bank account. My money is held XXXX.
Product: Credit reporting or other personal consumer reports

My accounts has been furnished incorrectly. Please see attached document
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX. You are in direct violation of the Fair credit reporting act 15 USC 1681 section 602 a clear state that I have the right to privacy 15 USC 1681 section 604 a section 2 is also stays a consumer report agency 15 USC 16668 a creditor may not treat a payment on a credit card account under and open in consumer credits plan as late for any purpose remove these late payments and update this account immediately as you are not in direct violation
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. Kindly assistance
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX OF XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX L XXXX {$4800.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

OnXX/XX/2019 I mailed two letters of dispute for an alleged collection with a balance of {$790.00} to Portfolio Recovery Associates, XXXX and they were delivered XX/XX/2019 at XXXX XXXX. I mailed the same letter twice being that they reported two different address on the credit reports where this alleged debt is listed under my Social Security number. On today, XX/XX/2019 I received two separate letters both dated XX/XX/2019 from Portfolio Recovery Associates, XXXX stating that, " In our previous letter to you, we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. '' ( Note that in the comments on my XXXX credit file, this company states that they've " completed investigation of FCRA dispute ). Listed on my credit files ( XXXX, XXXX and XXXX ) are the comments " consumer disputes after resolution '', " dispute resolved ; customer disagrees '', and " subscriber reports dispute resolved ; completed investigation of FCRA dispute ''. I have never received ANY letters from this company whatsoever regarding this alleged debt listed under my Social Security number except for the letters stated above delivered XX/XX/19. I have also never signed any law binding contractual obligations with this company to repay this alleged debt. Also note, per my XXXX   credit file, the account status is listed as Closed, but this alleged debt is in collections being reported as Failed to Pay -- to date. Portfolio Recovery Associates, XXXX is reporting differently to each of the previously mentioned Credit Bureaus ; items such as account number, account status, terms, and original creditor.
Product: Debt collection

I received a letter from Allied Interstate, LLC stating that I had a conversation with them about an alleged debt owed. I have not spoken to anyone from this this firm and I believe this debt to be a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions I request due to errors on account status and payment history the account be removed immediately from XXXX, equifax, and XXXX.
Product: Mortgage

I paid my Home Equity line and require a copy of my lien release to be recorded. I need the equity line account to reflect the {$9000.00} payment showing a XXXX dollar balance. Please email XXXX, and/or fax : XXXX any correspondence for this lien release. I have been requesting this on multiple occassions, please expedite as soon as possible.