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

Dear Experian, I checked my personal credit report, which I acquired from your organization onXX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Product: Debt collection

I've asked Big Picture Loans to stop contacting me on XX/XX/2022. Not only have they continued to contact me, they are calling me at unusual hours as defined by the Fair Debt Collection Practices Act. 

Big Picture Loans has contacted me by phone call on XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and again on XX/XX/2022 at XXXXXXXX XXXX EST, and identified the debt collector as Big Picture Loans. I believe there are more, but this is all that I have written down. I understand these calls are meant to intimidate and harass me.
Product: Credit reporting or other personal consumer reports

I have been requesting for the past few months that the account be appropriately reported on my credit report by the three credit reporting agencies and XXXX XXXX  account XXXX the credit card company. My credit report has erroneous information from all three credit reporting organizations. and the results of each inquiry I request are consistently accurate and validated. In actuality, though, my credit record shows that it is blank with one agency and a collection on another that is OK with another. As a protected consumer, I demand that my credit report 's accuracy be fixed. It is making me less worthy of credit. 

The Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) became effective on XX/XX/year>. The FCRA is designed to regulate the consumer reporting industry ; to place disclosure obligations on users of consumer reports ; and to ensure fair, timely, and accurate reporting of credit information.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report, and I would like them to be removed please
Product: Debt collection

The Law Office of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX FL Bar XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the Dyck-O'Neal have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is DYCK-O'NEAL INC. Please investigate both of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.
Product: Credit reporting or other personal consumer reports

I haven't applied for no new lines of credit and I didn't receive anything from them please remove i called and submitted online dispute no information was given about the reason they should remain XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out again regarding the ongoing nightmare I face due to XXXX XXXX and credit reporting agencies mishandling verified identity theft on my account. Despite providing substantial evidence like an official police report, FTC Identity Theft Report, notarized affidavit, and identification documents, XXXX and the bureaus continue to falsely attribute fraudulent charges to me. 

XXXX refuses to conduct a full investigation, instead making empty claims of " verification '' without providing any concrete evidence like IP addresses, geolocation records, or transaction metadata to validate over {$300.00} in unauthorized charges. The credit bureaus have violates my rights under FCRA Section 605A by repeatedly allowing this disputed, inaccurate information back onto my credit reports even after initially blocking the account per federal law. 

I have spent countless stressful hours trying to resolve this legitimate fraud only to be dismissed, given the run around, and left to deal with the consequences like a plummeting credit score. The financial and emotional distress caused by XXXX and the credit bureaus ' lack of urgency and accountability has severely impacted my life. 

Despite multiple attempts to directly address the issue in good faith, XXXX continues to ignore evidence and suppress my fraud claims. The credit bureaus continue reinstating unverified, disputed information. These systemic failures warrant intervention and oversight from the CFPB. 

I urge the Bureau to exercise its enforcement authority to facilitate proper investigation and resolution of my identity theft case, ensure XXXX substantiates any claims with concrete evidence, compel the credit bureaus follow FCRA procedure, and secure reasonable compensation for provable damages. The mishandling of this matter extends beyond my personal frustrationit represents the urgent need to hold financial institutions and reporting agencies accountable for their roles in perpetuating harm against consumers. I await your guidance on next steps.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had my annual health exam which BY LAWis covered 100 %. XXXX XXXX XXXX made a mistake encoding the XXXX   test. This ended up to a 3rd party XXXX XXXX. Which in turn sent it to Professional Finance Company which refuses to confirm or correct or verify the debt.
Product: Vehicle loan or lease

I and my wife discovered that after our contract agreement was assigned to  BBVA Auto Financing,  that our agreement/promise to pay, was deposited into an transaction account, opened in our name, without our permission, and monetized, that was concealed from us. We are requesting full disclosure of that deposit slip associated with our loan, and a receipt.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the repeated presence of inaccurate and unrecognized negative accounts on my credit report. Despite multiple disputes and numerous attempts to resolve this issue, these erroneous entries continue to tarnish my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting accurate information. If XXXX was reporting accurately, my reports between Innovis, XXXX, XXXX, XXXX would all be IDENTICAL. I have disputed 3 or 4 times with Innovis and they do nothing. I have disputed with the other 3 credit bureaus and they do NOTHING. I have disputed with XXXX several times and they do NOTHING. I have file complaints with CFPB and YOU DO NOTHING TOO. 

Attached is the Innovis payment history. Please explain in DETAIL the below FACTS. 
XXXX, XX/XX/XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. INCLUDING XXXX of XXXX has a different payment report than Innovis, XXXX, XXXX, and XXXX. How does XXXX report XXXX of XXXX different to 4 credit bureaus? How does XXXX say they are correctly reporting, after probably over 20+ disputes with every credit bureau and through XXXX directly, if they have 4 different reporting for 1 MONTH. HOW IS THIS POSSIBLE? 

XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau, and XX/XX/XXXX is different than 2 others. 

How is the Account Status 30 days past due when I do not have an account with XXXX? The other 3 credit bureaus are reporting account status CLOSED. 
How is it past due when there are 2 other credit bureaus reporting payment was made in XXXX? 
How was last payment made on XX/XX/XXXX when there are 2 other credit bureaus saying I made payment in XXXX? 

DELETE THE ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Why I'm having these account and inquiries. This is incorrect please please remove it on my report. I'm seeking for your help. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent letters to Experian and XXXX last XX/XX/2024 with the tracking number XXXX and XXXX regarding the inaccurate information on my report. There are accounts that are reporting negative but I was never late to any of these 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 XXXXXXXX They are also reporting a collection account that was never mine. I never agreed or sign to any agreement with XXXX XXXX - XXXX. 

I did ask for the method of verification but I never received any response from any of the credit bureau. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Mortgage

Date for last statement is XX/XX/18 and my statement includes principal {$25.00}, interest {$66.00}, escrow {$56.00} which equals only {$140.00} but then ocwen loan serving, LLC adds an additional {$13.00} charge for optional products, which brings my total payment to {$160.00}. I never signed up for this optional product and want it removed immediately. My monthly bill should be only {$140.00}. I wrote ocwen loan serving LLC a letter, saying I never signed up for this optional product ( XXXX   XXXX ) and want it removed from my account ASAP.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
All data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence. As per FCRA and METRO 2+ compliance requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these accounts or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management was notified via mail of the federal laws that they were currently breaking at that time. Midland then sent a response that did not mention the laws in question and simply provided a statement sheet. Midland continues to break these federal laws and many others. Midland is now displaying their willful noncompliance of the laws mentioned on XX/XX/2021 in my first attempt ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax a number of times. My file was frozen and I contacted them the day before I was to go for a loan. The bank was unable to pull my loan. I called Equifax 3 times that day to let them know my credit has been still frozen. I then called 2 weeks later and I was still unable to pull my credit. I have been unable to get a fresh credit report since XX/XX/2021! I get the 2 bureau report from XXXX and I cannnot pull it from Equifax annual credit report. Equifax swears its fixed but it hasn't been. This goes against my civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Experian and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH Also there are 18 inquiries that were not authorized by me and they have refused to remove them. 

There is also a Bankruptcy they have refused to remove that does not belong to me.
Product: Credit reporting or other personal consumer reports

I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.
Product: Credit reporting or other personal consumer reports

I don't know why it happened but an inaccurate bankruptcy appeared on my credit report. Please see the documents I've attached regarding this.
Product: Vehicle loan or lease

that debt that is in my credit is not mine I have not taken out any car with well fargo please help me what can I do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to my credit. They have be asked several times to furnish via FTC and myself to provide documentation they have not complied with this lawful order. The company is in violation of Unfair deceptive debt collection practices for failure to comply with the FTC notice to furnish and continuing to report to all three credit bureaus and will not supply the documents requested. Per FTC regulations they have 30days to supply documentation they refuse. Company was notified of identity theft XXXX/2020. This is not a duplicate complaint this company continues to report resulting in valid use of the CFPB processes.
Product: Debt collection

National Credit Adjusters has been calling me almost 2X 's a day ( or every other day ) for the past 2 months. I've spoken to 2 agents. I spoke with an agent about a debt they have stated was owed to XXXX XXXX-loan company. The agent stated that they bought my information from XXXX XXXX. He couldn't tell me the year the so called debt was unpaid. I advised that I have used this agency before many times & paid my loans. They have started sending me letters & stated that they will keep reporting this as a debt on my credit. I asked how did they by my information, the agent did not know. I kept telling the agent that this is incorrect. I called the XXXX XXXX that I went through on XXXX XXXX, in XXXX, Tx & they no longer have anything on me that is passed due. I am a regular person & have also been hack around XXXX from my XXXX account. I have deleted that account & submitted a complaint about being hacked to the IC3 site along with documentations on the hacking. The agent also mentioned to me my current banking association & I informed him that the bank he mentioned was incorrect, so I hung up the phone as I realized that this might be another scammer/hacker trying to steal more personal information from me.
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 Protection 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 proce 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have notified the Cash App customer service support and filed a dispute claim on XX/XX/XXXX regarding monthly recurring charges amounting to 14 {$95.00} a month happening since XX/XX/XXXX. This charges were apparently made by the same merchant. XXXX at XXXX Illinois as cash app requested, I filed separate dispute claims for the charges made on XX/XX/XXXX XXXX for XXXX XXXX, XX/XX/XXXX. And today XX/XX/XXXX, again I was charged by a similar amount from the same company.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.