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

IMPORTANT : I have recently looked at my credit report & noticed that there's numerous fraudulent accounts. I have contacted equifax over 40 days ago. I also placed a police report and FTC affidavit all by XX/XX/2023. Equifax have only responded back stating that they are only going to place a block on my credit report but they did not remove the fraudulent accounts. This have been a disregard of federal laws not responded of an investigation in 40 days. This have negatively impacted my credit and life. Please remove following accounts XXXX XXXX XXXX/ acct # XXXX XXXX/ acct # XXXX XXXX XXXX/ acct XXXX XXXX
Product: Consumer Loan

we have bill that was submitted to a collection attorney. we made arrangements to pay {$100.00} per month on the bill in the amount of {$1000.00}, with an interest rate of 10 % per annum. we have paid {$900.00} so far, however no money has been applied to the interest, and I was told by XXXX, that my original bill was {$2100.00}, instead of the XXXX. Then we have the court fees of {$220.00}, plus attorney fees of $ {$600.00}. The filing client is XXXX. the money paid has not been credited o interest or principal, it seems.
Product: Credit reporting or other personal consumer reports

Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. - XXXX XXXX XXXX delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - delete 5. Delete and remove XXXX XXXX XXXX  / XXXX XXXX XXXX delete t 6. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX - delete account immediately XXXX. XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXXXXXX XXXX XXXX XXXX delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXXXXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXXXXXX - delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and made several attempts for Navient to remove these multiple closed accounts off my report, and have been told there is nothing they can do. I only went to school  XXXX XXXX. These people are showing on my credit as a closed loan 8 different times.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX XXXX  - XXXX XXXX Account Number : XXXX Account Name : XXXX  - XXXX  Account Number : XXXX Account Name : XXXX XXXX - XXXX Account Number : XXXX Account Name : XXXX  XXXX - XXXX Account Number : XXXX Account Name : XXXX/XXXX  - XXXX  Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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: Debt collection

Portfolio Recovery Associates is reporting aa account for {$850.00} on my credit report that does not belong to me. This account is from identity theft. I have contacted the company and told them that this is from identity theft and they sent me a computer generated bill saying that it was verified. I told the rep the I spoke to that the bill was not from me and I had been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The following account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month and 90 days late repeatedly every month! This is an update in the payment history which to my understand charged off accounts should not include an active payment history. This also falsely manipulates the statute of limitations. 

Additionally, this account has inaccurate information throughout including, but not limited to Account number, Account balance, and Account status. This is not my first time brining this account to your agencies attention. I kindly request that the methods used to verify the accuracy of this account are provided in your response to this dispute. 

I am requesting a deletion of the following account for inaccurate reporting, to exercise my right to fair and accurate reporting : Accounts Name - Account Number XXXX XXXX : XXXX Best Regards, XXXX XXXX
Product: Checking or savings account

I had filed a flaming of {$1900.00} because a package not delivered saying it was delivered. Its been past the 120 days almost 180 days now. Ive called every day since I filed a claim because I never got my package. Since the beginning the consumer Shouldve asked for the signature that was supposedly signed at the door. Not the merchant just sending dates and numbers of when it was delivered because when it was delivered it showed that someone signed at the door. Every time I call again they say the last agent gave Miss information but its all lies. When I called the most recent time they said they got information saying someone signed and that it was XXXX XXXX which doesnt make sense since its supposed to be a signed signature of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the XXXX agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that XXXX took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Wells Fargo has been mailng mediation request forms pertaining to unauthorized accounts opened by Wells Fargo reps for several months ... I've filled out and returned a total of XXXX or more so far, acknowledgment letters are received, provided tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation, tracking id XXXX, in which case, no payment received from that mediation.. payment sent to an old address after I moved, no proof of address verification provided. I've called most recently, told all mediation efforts have been exhausted which refers to prior mediation, no payment received as stated prior. The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, Designs By XXXX. Wells Fargo was previously fined by CFPB for handling of accounts such as ones named here, has little to no credibility.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX, under the account number XXXX, and an credit card account opened at XXXX on XX/XX/XXXX and a Credit account opened on XX/XX/XXXX at XXXX XXXX  accounts number XXXX and a XXXX Credit Card account opened on XX/XX/XXXX account number XXXX and a collections account opened at XXXX & XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent tems. I do not recognize the aforementioned accounts, collections, or hard inquiries as a rogue credit report maintained by you were not opened, made, or injared by mo. Al of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and a copy of FTC identity Theft Criminal Complaint # ( XXXX number as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries closed accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries and closed accounts identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to remove my hard inquiries from my credit report with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX alike all have different variations of my name, phone number, and home address reporting and updating consistently. Addresses I have never lived at, my last name spelled wrong, and phone numbers I do not own. 

I have tried to dispute this information online several times and there seems to always be at a peak time where maintenance is being handled. 

I disputed this information by mail in XX/XX/2022 and the incorrect information is now back on my reports.
Product: Checking or savings account

Had a couple of times where I was unable to withdraw money from atm 's.
Product: Checking or savings account

XXXX XXXX our account after XXXX incoming wire transfers and asked for details on these transactions. The information was provided by us on time but they still decided to close my account. On asking multiple times when we would receive the refund check they did not answer. Have also asked them for account statements and transactions spreadsheet for XXXX till the date account was closed. No reply so far after last message sent on XX/XX/XXXX.
Product: Credit card

Over the past six months I have been experiencing issues with my PayPal Extras MasterCard. XXXX XXXX is the lender on the card, and PayPal runs the e-platform on their website where I am supposed to be able to view my PayPal XXXX XXXX account. The problem seems to be an issue between XXXX Bank and PayPal, but both companies are refusing to contact each other and work together to solve the problem. At this point there is nothing I can do to fix the problem because the issue is that PayPal has my account listed as cancelled, and XXXX XXXX has an account open for me but I have no way to view the information online. Other than paying my bill, all other activity must be done online, which includes redeeming rewards points that I have now lost over XXXX because of points expiring, however over the past 6 months I was unable to use them due to the errors of the XXXX companies attached to the account. At this point I have called twice to three times a month since XX/XX/XXXX, and I spent 3 hours on the phone today with both companies until I was redirected to the initial automated answering service you get when one calls customer service. 

At this point I do not know what to do, or if I should even be paying my bill when one company attached to the card, which is the company directly associated with the card, tells me that the account is no longer active. Yet, I still can use the card, can not access my points, and still pay a bill every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 60 days and not response via email and i am SO MUCH DISAPPOINTED. The ACCOUNT on my report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out. Now please help me TO REVIEW THIS COMPLAINT, PLEASE REVIEW ; REMOVEOR UPDATE THE ACCOUNT IMMEDIATELY 1. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
4..Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
5..Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 6.The following personal information is incorrect Account Number : Current address ( es ) XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7.The following personal information is incorrect Account Number : Current address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Really appreciate your time and effort !
Product: Debt collection

A company by the name of XXXX submitted a lawsuit in XXXX XXXX Florida courts in the amount of {$19000.00} on XX/XX/2009 it was to late to file this lawsuit and I was not properly notified of the lawsuit and did not know it existed ... Years and years went past and I was not notified. I found out about this lawsuit after I purchased a vehicle, The Same company submitted for my license to be suspended in XX/XX/XXXX and I reached out to them to see what was going on and they never requested to meet with me, they demanded money. In XX/XX/XXXX I had to return my vehicle back to the finance company as a result of my license being suspended and tickets being issued for no license ... I began to research and came up with a company name XXXX  who is located out of state and posing as different congressman and congresswomen ... As a result.. XXXX closed down and transfered my information to someone name XXXX XXXX at Rodgers Morris and Zeigler located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ... XXXX.. They left me with a suspended license and 3 tickets and filing for bankruptcy. Please look into this..
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED
Product: Credit reporting or other personal consumer reports

My account XXXX XXXX, which is on all 3 credit bureaus, XXXX, XXXX and Experian has been reporting incorrectly and has incorrect information. Also according to these laws I please ask you to delete this collection from all three bureaus please. Ive highlighted a lot of incorrect information. this is supposed to fall of in 4 months anyways so please delete from all three. 

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.

ACCOUNT NAME - XXXX XXXX ACCOUNT NUMBER - XXXX Also 8 late payments from XXXX XXXX I kindly ask you to remove ACCOUNT NAME - XXXX XXXX ACCOUNT NUMBER - XXXX Incorrect information is also being reported on XXXX XXXX reports on all bureaus. please remove all 8 late payments. in violation of laws below. Thanks!

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. 16815-2 ( 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 COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or I kindly ask you to remove the is collection from XXXX XXXX And also XXXX XXXX 8 late payments thanks!
Product: Debt collection

IhaveneverhadanycommunicationwiththisAMCOL.Theyneversentmeanythingotcalledtryingtocollectadebtfromme.Ionlyknowofthisbecauseitwasreportedtothecreditbureau's.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. 1681i, 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. 


These are the inaccurate accounts XXXX XXXX XXXX XXXX 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 card

I made payments on this account.

The company didn't apply them to the correct account.

Bill also does not show the correct amount needed for payment.

As much I was sent a bill for the incorrect amount while also not having payments applied correctly. 

Payments were made on the account under the terms of the contract and it was closed in spite of this. 

I am again requesting payment history. 
Or a signed contract.
Product: Credit reporting or other personal consumer reports

I applied for a car with XXXXXXXX XXXX  and the used my information with other companies, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX