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

Hello, I should only have XXXX name on address on file but Experian refuses to make the proper adjustments. Can you please make sure there is only XXXX name on there spelled : XXXX XXXX. And my only address on file should be XXXXXXXX XXXX XXXX XXXX MA, XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft. 
I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX XXXXXXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX XXXXXXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. Thank you
Product: Checking or savings account

On XX/XX/XXXX, BMO accepted a check that was illegally endorsed. The check was an insurance two-party check made out to me, XXXX XXXX XXXX and XXXX XXXX XXXX. The check was to be endorsed by me and then sent to XXXX XXXX with paperwork I provided from XXXX XXXX for their endorsement. XXXX XXXX never received the check for their endorsement. 
I gave the check to XXXX XXXX, endorsed by me with the paperwork and they said they would send it to XXXX XXXX so they could endorse the check and send it back to me. Instead, XXXX XXXX endorsed the check themselves, deposited it, and BMO accepted it. Seems to be illegal. 
XXXX XXXX and my insurance company 's bank, XXXX XXXX, filed affidavits of fraud. 
On XX/XX/XXXX, the fraud charge was denied by XXXX XXXX, fraud analyst with BMO. XXXX XXXX has accepted the ruling. 
I have appealed to XXXX XXXX and he has responded that he would revisit this claim. 
He seems to be dragging this out. I am looking to get this resolved after over a year of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to each 3 main credit reporting bureaus : Transunion : XXXX : XXXX I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXX XXXX must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXX  as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.
Product: Credit reporting

I have disputed this with Experian twice now, the account that is on my credit report was my father 's account and I was only an authorized signer. My dad filed bankruptcy and that account was signed off in that bankruptcy. There is no proof that I was anything but an authorized signer on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following items : Account Number : XXXX ( Reporting on XXXX and Experian ), and Account Number XXXX XXXXXXXX ( Reporting on XXXX ) XXXX ( Same exact account information with two different account numbers ) I would like for you to have a copy of this document as well ( see attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. For starters, I have no idea why there are two completely different account numbers, but that is just one example of my credit report reflecting inaccurate and inconsistent information. XXXX XXXX XXXX continues to falsely verify these accounts whenever I dispute them with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. XXXX XXXX XXXX XXXX XXXX Experian, The Consumer Finance Protection Bureau , -as well as myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes, which I believe that XXXX XXXX XXXX violated, -yet somehow, you still allowed XXXX XXXXXXXX XXXX XXXX report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether the account is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX continues to falsely verify as accurate. This has to stop!
Product: Payday loan, title loan, or personal loan

I was contacted via summons ( Civil Action Number XXXX ) by a company that I have never agreed to do business with, Simpson Law Firm, located at XXXX XXXX XXXX, XXXX, MS XXXX. According to the summons, Simpson Law Firm is collecting a debt on behalf of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS XXXX. I responded to the summons with the attached letter. I've also attached a letter of the summons.
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, 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 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: Credit reporting or other personal consumer reports

I am formally requesting an investigation into Experian for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, Experian has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized hard inquiries have raised serious concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. I have not provided any entity with the authority to access or pull my credit, and Experians failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate Experians practices, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. 
Additionally, I have repeatedly communicated my concerns to Experian, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to psychological harassment through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Product: Checking or savings account

My social security number was compromised, resulting in the unauthorized opening of a bank account with Chime banking in my name. Additionally, my XXXX debit card was used to make an online purchase without my authorization, prompting the fraud department to intervene and issue a new card. As of now, I am uncertain of any further activities conducted using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by TRANSUNION, EXPERIAN and EQUIFAX. I have reached out to customer service at TRANSUNION, EXPERIAN and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

TRANSUNION - XXXX BANK DE - XXXX XXXX XXXX XXXX BRKS - RDP - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX SYNCB/WALMART - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX EXPERIAN - XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CARD - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX WORLD FINANCE - XXXX XXXX XXXX SUN LOAN COMPANY - XXXX XXXX XXXX XXXX MAIN FINANCIAL - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for violations.
Product: Credit card or prepaid card

Earlier this month I filed a complaint with this agency regarding Bank of America having denied my application for the Bankamericard. CFPB sent my complaint to Bank of America. 

Regarding my original complaint I received two separate messages left on our answering machine to call XXXX ext. XXXX, one message from XXXX XXXX, the other message left by XXXX XXXX, employed by Bank of Americas regulatory complaint servicing department. 

The message left by XXXX XXXX instructed me to call her back no later than,XX/XX/2019 by XXXX XXXX mountain standard time. 

I have attempted to return the calls from XXXX and XXXX four times and have left messages with XXXX voicemail each time as the calls have gone straight to voicemail. 

As of this time, no one from Bank of America has responded to the detailed responses I left in XXXX voicemail box. 

I can not understand why that XXXX was specific for me to return her call by XX/XX/2019, but even though I was out of town, I left my cellphone number with the voicemail message that she nor XXXX XXXX have returned my call. 

Please let your contact at Bank of America know that I have in good faith attempted to return the two calls left on my landlines answering machine. 

Please ask Bank of America to not mark nor handle this follow-up complaint as a duplicate complaint as an excuse to not address it with good faith that it deserves to match the good faith in which it is presented in the hope to resolve the original complaint to continue the previous good relationship that has beneficial to both the bank and to me. 

Because neither XXXX nor XXXX have returned my calls, any reasonable person would believe that, not only is this unprofessional, it only adds to the prevailing public perception of large banks, that they are to big to fail and therefore they could care less what their customers believe about their less than professional decisions or if we believe that the banks employees want to help its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX the natural person At this time I am distressed, overwhelmed and my life has been very difficult that XXXX and Equifax are violating my rights as a consumer by reporting an inaccurate Bankruptcy on my consumer report. I disputed this over 1 year ago. They informed me it had been verified by the Bankruptcy Court and XXXX. I reached out to both the Bankruptcy Court and XXXX, both organizations informed me via mail that they did not and do not furnish any public records to any bureaus, for it's against the law to do so. 

I sent these documents to XXXX and Equifax they have refused to remove this inaccurate account on my consumer report. 

At this time, I feel I'm being taken advantage of as a consumer. 

FACT- According to 15 U.S. Code 1681b - Permissible purposes - I never gave XXXX nor Equifax permission to report anything on my consumer report. 

FACT - 15 U.S Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right. 

This is a violation of my right to privacy. I demand this be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Incorrect things on credit report XXXX loans, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX/and XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Payday loan, title loan, or personal loan

XXXX was located on a list of loan companies that cater to federal employee 's and XXXX allotment loans. 

On XX/XX/23 I was attempting to get a loan from them when XXXX of the steps asked me to input my username and password for XXXX 

Knowing that XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is a government system I found it a little disconcerting that they would ask for this information. XXXX, when we employee 's go to access XXXX the very first thing we see is the warning about proper use of government systems. 

They use a system called XXXX. You are supposed to enter your government username and password and then XXXX uses that to confirm access to the site. 

I asked them if this was legit and they said yes. XXXX XXXX XXXX and I have my doubts, So I did not take the loan and I am reporting it here, Maybe I'm wrong and it is permissible... but i would rather report it and be wrong then not report it and something happen to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. 
Please review the following : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collections account. There are late payments and a past due on this account. This is a violation. Please remove this inaccurate account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Debt collection

Prince Parker and associates, address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; is attempting to collect a debt that was already taken off of my credit report earlier this year due to identity theft and they brought it back on here. The debt is {$3400.00}. Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Prince Parker and associates, and XXXX XXXX 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 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection deleted from my credit reports in XX/XX/XXXX. On XX/XX/XXXX Experian reinserted the collection to my report. I never received any notification from them regarding the reinsertion. I contacted Experian on XX/XX/XXXX and requested this collection be deleted because it was never validated and I was never notified by them of their intention to reinsert this item to my report. On XX/XX/XXXX Experian responded with their results saying only the company, XXXX XXXX, certified the information is accurate. I have never received validation on this debt or notice of reinsertion from Experian, therefore I am requesting this item be deleted immediately from my report.
Product: Debt collection

I do not have a direct line at work. I work for a company that has busy phone lines consistently from opening to closing. There is one person that operates a switchboard and transfers calls to the perspective parties. I have asked Performant Recovery more than several times not to call my place of employment for this very reason. We are not allowed to receive " personal '' phone calls on our work line. Everytime I get a call my boss reminds me of this even though I know the rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report XX/XX/XXXX  Ive noticed discrepancies from each credit bureau regarding an account on my credit report this company XXXX XXXX XXXX  XXXX has report incorrect information to each credit bureau to keep my report at a negative
Product: Credit card

When I called in the person wouldnt answer my question, when I was trnasfered to a supervisor XXXX, I asked him numerous times if the time was currenly before XXXX. he argued that XXXX is AFTER XXXX but no, XXXX is before XXXX. then hekept calling me sir when I have asked them not to use any pronouns other than my names. this is XXXX discrimination.