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

I am filing a complaint against Equifax/XXXX  XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. I disputed the XXXX XXXX account for XXXX violations on XX/XX/year>. 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. XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because XXXX, XXXX, and Transunion are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I went to an XXXX XXXX in XXXX, NC. I chose this particular facility because I knew that it would be covered 100 % by my medical insurance. When I spoke about the services I'd be receiving, they told me that my insurance would cover ALL of it and I would not have to pay for anything. Around XX/XX/XXXX, I received a bill from XXXX XXXX that stated I owed {$790.00} for service that was rendered on XX/XX/XXXX ... .I did not go to this or any other XXXX XXXX facility on this day, as I was at work from XXXX. When I called the facility in XXXX, I asked them why I was sent a bill, the person I spoke with stated that I didn't owe anything. A month later, I received another bill for the same amount of {$790.00}. Once again I called and asked why I owed anything since I was told that my medical insurance company covered everything. Once again, I was told I didn't owe anything. Around XXXX of XXXX, I received a bill from Bull City Financial ... a collection company. I was placed in collections for {$790.00} that I don't owe to begin with.
Product: Credit reporting

Good morning, I review my credit information and notice that there is a name reported as mine and it does n't belongs to my person. My full and legal name is XXXX XXXX XXXX. The name that appear is XXXX XXXX XXXX and is an error, maybe someone try to use my information. I will really appreciated any help in the matter. 
Thank you very much for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I obtained a car loan thro ugh Santander Consumer c ompany on   XXXX   XXXX   XXXX     a  XXXX   XXXX  My fist payment was due on   XXXX   XXXX   XXXX   I made my  1 st.  Payment on   XXXX   XXXX   XXXX   2. Payment on   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX    5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   Santander took my  XXXX  payment that was intended for  XXXX  Payment and only credited me for the principle payment of {$22.00} and put the rest towards my interest. Then they charged me a late payment and affected my credit with another lender that I was trying to refinance the loan with for a lower rate, saying that I had a late payment of 15 days and the account was placed into collection.  Santander  should be charged with predator lender practices .This affected me from obtaining a different loan at a lower rate. My rate with  Santander  is  XXXX  % and the rate I was offered prior to the lender contacting Sandtander was  XXXX  % which would have save me greatly over the term of the load. I believe that this was intentionally done to keep me oppressed under this high interest rate loan.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Balance : {$1000.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Was sent a letter from RADIUS GLOBAL SOLUTIONS stating that I owed an Alleged amount of {$850.00} dated XXXX with XXXX XXXX XXXX, I currently have XXXX XXXX XXXX And they have no mention of this debt. This debt is not mine and is fraudulent in nature.
Product: Debt collection

this is a garnishment from XXXX that was resolved as a fraud account i never received any court notice or judgment against unit now which is XXXX the judgment was filed XX/XX/XXXX the issue or matter was with wachovia bank which is now wells fargo bank and have no debt information in my name or associated with my social the debt collector asset acceptance has close my bank account for a debt that is XXXX years old and is past the statue of limitation which in a fraud case is 3 years in the state of maryland the debt was not on my credit report or history
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. The account is involved in litigation and should not appear on my report. 
XXXX Account Number : XXXX The following account is involved in a litigation and should not appear on my credit report. Please remove it at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card on my account that is not mines XXXX XXXX and Penn credit which is XXXX I was incarcerated from XX/XX/XXXX and I did not get out of jail until XX/XX/XXXX and I have proof of address and my court paperwork I want those things remove
Product: Credit reporting or other personal consumer reports

The addresses and names are not my correct information. Per FCRA 15 USC 1681 credit reporting agencies must report correct and accurate information. 

I have asked several times for XXXX to update my correct name and address on my credit profile.
Product: Credit reporting or other personal consumer reports

I've recently come across some negative charge off accounts on my credit report that I was unaware of, and I find it hard to believe that these accounts were posted without my knowledge. Thus, I'm reaching out, because I need your help in removing these four misleading and incorrect accounts promptly. 

Let me tell you that I never had any outstanding balances on these accounts. Moreso, I never authorized anyone to include these items in my credit report. These entries don't even reflect my current financial status or situation. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX I trust XXXX you can assist me in the removal of these incorrect items and have them corrected right away.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On [ Date ], I sent a letter to XXXX notifying them of the reinsertion of Inquiry : XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On [ Date ], I sent a letter to Equifax notifying them of the reinsertion of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX and Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX and Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX and Equifax they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Checking or savings account

I opened this bank account 21 years ago in XXXX and have never been charged any fees for the account since I always maintained the required minimum balance. 

Late last year, Bank of America started charging me a $ XXXX fee which I did not opt into and I've received no additional services in return. 

Here are the dates : XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00}
Product: Credit reporting or other personal consumer reports

INACCURATE REPORTING AND PLEASE SEND ME INFORMATION REQUSTED BELOW. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/XXXX, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act

, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 1681 U S C i ( 7 ) Method of verification-DES
CRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't owe anything to the following accounts : XXXX XXXX and XXXX XXXX  XXXX. They should have confirmed these from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the accounts automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Received a phone call today, just recently added this phone number to my name. 
Did not answer the call and no voice message was left, however as it showed on caller I.D . to be a local number I called the number back. The message stated this was XXXX XXXX and is a debit collector and attempting to recover a debit. How ironic, because I filed Chapter XXXX Bankruptcy last year and they were on the list of creditors. They did not attend the meeting of creditors in XXXX of 2019, and the Bankruptcy was Discharged in XXXX of 2019. When a woman came on the line she informed me the call was being recorded, good I told her because there is no reason for them to be calling me. Told her my Name, I completed Bankruptcy and they are making a mistake calling me and to NOT call my number again. 

This is a terrible organization, they even attempted to garnishee my wages even though they would told several times I was filing Chapter XXXX Bankruptcy. They even mailed my employer at the time the order to garnishee my wages. 

They need to held accountable for their actions, and maybe the call to me was in error. I will keep records of any further contact from them.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REPORTING XXXX  ON MY CREDIT FILE THAT DOES NOT BELONGS TO ME THIS CARD IS DO TO IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the item was never mine, they never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I need the Item removed now! 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX  shows a XXXX, this account has been on my report for seven years
Product: Credit reporting or other personal consumer reports

Here 's the extracted text from the images : -- - I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 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, XXXXXXXX XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.