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

I am writing to express my extreme frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failure to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax x consistently responds within XXXX hrs stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ) 15 U S C 1681i. Which mandates reasonable investigation of disputes. Equifaxs actions also contravenes the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ).
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 


XXXX XXXX XXXX XXXX {$10000.00} XXXX  XXXX {$7900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts listed on the attached Credit Report has violated my federally protected consumer rights to privacy, and confidentiality under XXXX XXXX XXXX. 

ALL ACCOUNTS LISTED ON THE ATTACHED DOCUMENT HAVE VIOLATED MY RIGHTS. 

XXXX XXXX XXXX section XXXX A : states ; I have a right to privacy. 

XXXX XXXX XXXX section XXXX A XXXX : states, a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX  ( a ) ( XXXX ) : states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report by more by XXXX  years. 

XXXX XXXX XXXX XXXX ( A ) ( XXXX ) : states, a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has any reason to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I received a payoff for my account for {$220.00} ( see attached ). Of which I paid XXXX the day before awaiting the settling email that left balance of XXXX or less dollars to close my account. When called pay the remaining the rep stated stated I had to pay XXXX more to close out my account. Then on the same date my account was charged {$190.00} and the account is still open and another payment is schedule for XXXX. 

In addition, I never received a monthly statement, I did not enroll in online statements.
Product: Credit reporting or other personal consumer reports

This account was charged off on XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the status update is XXXX XXXX and the last payment XX/XX/XXXX, XXXXThis account charged off On XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, The status say charge off and the status update is XXXX XXXX there is no payment history on transunion and the last status update is XX/XX/XXXX XXXX XXXX it reports XXXX potenially negative months, on XXXX it reports XXXX potentially XXXX months.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX Bank XXXXAccount Number XXXX XXXX XXXX a copy of my most recent credit report
Product: Credit reporting or other personal consumer reports

Wells Fargo is reporting {$2800.00} for job not authorized. I no longer live at the house which was sold during XXXX. ( XXXX ), A saleswoman came to the house in XXXX to sell windows. I advice her that I was moving and did not need it. She pursued me to fill an application out and went over packages. After weeks she told me someone will get a hold of me to go over products and pricing. 
I called XXXX XXXX and they advised that due to XXXX there will be a delay in getting materials. I told them to disregard as I was selling the house. I was sent a Wells Fargo credit card which I destroyed. Next thing I know XXXX years later they are billing me and put it on my report. This is erroneous!! 

Due to identity theft credit cards were taken out in my name without permission : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEFI/BBVA COMPASS XXXX XXXX XXXX XXXX AL XXXX pulled my credit resulting in a hard inquiry on XX/XX/2018. No consent or written permission was given to them to pull my credit.
Product: Debt collection

This account is a medical claim for which it was paid by my health insurance. There is one for XXXX $ and one for {$850.00}. I gave company ins.company name and this account was handled by insurance. Therefore this account does not belong to me anymore and I want this off my credit report.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX : XXXX # XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Product: Debt collection

It popped up on credit report they have not once contacted me I don't know who they are and it shows I owe XXXX the only medical debt I owe I'm on a payment plan with my provider so I don't know who this third-party is
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Experian 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian, XXXX and transunion complies with federal law and provides consumers with the necessary proof of investigation. 

# XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$980.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$980.00} Highest balance - Terms XXXX  Months On record until XXXX XXXX # XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX # XXXX Account info Account name XXXX FUNDING Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX # XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus XXXX, Transunion, XXXX to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX
Product: Debt collection

The company Westlake Portfolio Management located in XXXX XXXX, CA called me multiple time from XXXX XXXX XXXX after I asked them to stop calling me and my number has been on the do not call list since 2015. I told them once before not to call me so many times and they said when I am late on a payment then the calls start and when I pay them the calls will stop. My payment was due on the XXXX of every month and the day I was late then calls would start. from XXXX XXXX XX/XX/XXXX this company called me XXXX times within 7 days. They called me over 4 times some days and these are times that I am at work, in meetings, trainings or with clients. The calls were very aggressive in terms of call volume and I have screenshots of all of the calls. The number used that the calls came from was XXXX. On XX/XX/XXXX they called me 6 times in XXXX day. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. To me this is very excessive to call someone 6 times in XXXX day. This company uses multiple numbers to make calls but this number in particular called me XXXX times within a 7 day period.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and I noticed that I've been a victim of identity theft and found that XXXX ( XXXX ) credit inquiries that I have no knowledge of. Here are the inquiries : XXXX XXXX request on XX/XX/year>, XXXX XXXX via XXXX XXXX requested on XX/XX/year>. Under 15 usc 1681c-2 ( a ) block of information resulting from identity theft _BLOCK... Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I also file an identity theft report, the report # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX XXXX XXXX  in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , severaXXXX repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXXXXXX, XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

I lost my job at the beginning of XX/XX/2020 due to the COVID 19. I called my credit card company Capital One. I was advised that when I made my payment by the next due date they would waive the XX/XX/2020 late charge. I made my payment of {$85.00} on XX/XX/XXXX. I advised that I was still unemployed and that I was struggling with unemployment. The rep advised to please keep them updated. I'm still struggling in XXXX and still can't find a job and still fighting with unemployment. I tried calling 2 different times and waited on hold for over 2 hours with no one picking up and then was disconnected. Today XX/XX/2020 I went online to make my payment due XX/XX/2020 and there are 2 late charges the one from XX/XX/2020 still and now the XX/XX/2020 payment. I called and spoke to a female rep and she advised there is nothing she can do. My Mom called back and spoke to a gentleman and he has waived the XX/XX/2020 late charge. My Mom asked about the XX/XX/2020 payment as still a victim of the COVID 19 and I haven't found a job yet. Per the Capital One website they say if you are a victim of COVID 19 and facing financial hardship they are their for you. Well today they made is VERY clear that they are not and their reps can lie to customers and apparently that is okay. Not cool to take advatange of the situation and they should have to update the website and indicate - Sorry we can't do anything for you! Very upset that I was treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX  - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX my brother passed away. I notified the the Bank of Hawaii on XX/XX/XXXX of his passing. on XX/XX/XXXX his XXXX went into his Personal Account and withdrew {$72000.00} out of his Personal account thru Online Banking and put it into there Joint account. On XX/XX/XXXX I notified the Bank Of Hawaii that my worst nightmare just occurred someone needed to call me. 
I explained to the Bank that she had no right to withdraw any moneys out of the account as she wasn't on the Signature Card or had XXXX XXXX XXXX  or was a XXXX of the Estate. I couldn't understand why they would allow this to occur. 
The Bank finally did a inquiry into where the money was withdraw from and show it to be from their Home in which she transferred the money for His Personal Account to their Joint Account and them onto her Personal Account. at that time the Bank asked me on XX/XX/XXXX to have a Affidavit for Collection of Personal Property of the Decedent signed and Notarized with i did the next morning and e-mailed them a copy of the Documents and also put the hard copy in the mail to them in which they received the hard copies XX/XX/XXXX. 
The Bank said the following Due to XXXX  presentment of an original and valid Affidavit for Collection of Personal Property of the Decedent, we have no further ability to deduct or retain funds. How can a Bank allow someone who has no rights, No Signature Card on File, Not the XXXX  of the Estate or the XXXX XXXX XXXX withdraw money out of the Person that Passed away.
Product: Credit card or prepaid card

Hi I applied for a credit card with unionbank and it was on hold and I called in and I verify information with the credit card underwriting rep and it was declined due to not verify information but yet I received a call from union bank and I had a active fraud alert and I Verify my information with the rep and today I received a letter saying my application was declined because I didnt verify information and I called unionbank today on XX/XX/XXXX and the lending rep was rude to me and told me I didnt answer the questions right and I explain to him there is no questions was answer to me at all ... and I would like this application XXXX to be reopen by a supervisor
Product: Debt collection

I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation.
Product: Credit reporting or other personal consumer reports

Equifax is reporting erroneous information. According to creditors, they are reporting late or missed payments, collections, liens, etc. I have called customer service over the past 2 years and have not had any success in being able to review the report. I would like to have any and all negative reporting removed from their reporting. This includes any inquiries as they are showing as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an excellent payment history with my payment accounts, credit cards etc. It started last year that XXXX XXXX  said they received information from XXXX  that I have sever delinquencies. I reached out to XXXX  and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and Synchrony bank closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.