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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX Re : Disputing errors on credit report I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : [ Diversified Consultants INC -  on behalf of XXXX ] I have reached out to both XXXX and now Diversified Consultants on XX/XX/XXXX more than 30 days ago in regards to providing me with a itemized bill or agreement for this account. I also initiated a dispute through XXXX and XXXX XXXX. I have no recollection of establishing an account with this provider. It has been over 6 months. I have not received any proof of establishment of this account. The first outcome was a balance decrease. from XXXX to now XXXX. The second dispute result left comments on the bottom of my credit report that states that I am disputing this account. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have a savings account and Bank of America refuses to let me withdraw my money.
Product: Debt collection

Upon reviewing my credit report, I noticed a couple of debts from ERC. In an effort to quickly remove these items off of my credit report, as I have been working diligently on increasing my credit score this year, I notified ERC in writing that the debt had not been validated. However, in an agreement to get this off of my report expeditiously, I would pay the indicated amount of $ XXXX/collection to have these XXXX collections removed from all reporting agencies ( XXXX, XXXX and XXXX ). I clearly spelled this out in the contract, that if ERC cashed the checks, see both check numbers XXXX and XXXX and accompanying letters sent to ERC, this signified agreement of the contract and that within 15 calendar days, the collections would be removed/deleted from all reporting agencies and that this would be considered closed ( see contract for further details ). ERC cashed both checks, signifying their agreement with the contract, but failed to delete both collections from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING XXXX INQUIRES THAT NEEDS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Trinity Hope Associates does the 3rd party collections for XXXX XXXX I have multiple charges for the same dates & amounts : XXXX21- date assigned XXXX21- date reported- three identical charges of {$29.00} There are two charges for {$180.00} within a month of each other
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries it's been a month since i send my dispute why they don't ressponse? please delete XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$13000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX XXXX XXXX XXXX {$490.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Incorrect payment history reported multiple accounts. 
Accounts not belonging to me repeatedly reported. 
XXXX XXXX reporting Incorrect information. 
XXXX reporting Incorrect info Data breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX theft XXXX XXXX XXXX Identity theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX not authorized by me Crimes Committed under my Identity XXXX reports XXXX XXXXXXXX XXXX  identity theft account Old Negative Accounts over 10 years reporting. 
XXXX XXXX not accurately reported XXXX XXXX paid in full and receipt submitted as proof but still reporting negative.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to resolve this issue, I have noticed that inaccurate information continues to be reported on my credit file by XXXX, Experian, and XXXX. This incorrect information remains unchanged, even after multiple disputes. The ongoing errors are not reflective of my actual financial situation and are negatively affecting my credit profile. I have attached detailed letters outlining the specific inaccuracies and providing evidence to support my claims. I kindly request that you thoroughly review the attached documentation and take immediate action to correct these errors, ensuring that my credit report is updated with accurate and truthful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all accounts that are currently being reported on my credit file.

Specifically, I am requesting the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report.

2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this.

If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had a home in XXXX, CO. and lived there with my wife. Her mother got sick and she had to move to XXXX XXXX, CO to take care of her. I stayed for a couple more years before I could transfer to a job closer to her. We rented the house for a while but when the renters left we could n't make the payments and the home was forclosed on. We filed backruptcy and the house was surrendered to the lender. 3 years later, and the bankruptcy is done, and we were looking to buy a house close to her mom in XXXX XXXX. The forclosure put us on the HUD XXXX list and we are n't eligible for a VA loan. The mortgage company has not filed a claim for the FHA loan so the 3 year waiting period to be eligible for a VA or FHA loan has n't even started yet, even though they have had the home back for all these years. We need help in getting the lender to make their claim to the HUD so we can once again be eligible to get a loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

This debt collector engaged in unjustified FDCPA activities that are prohibited. They provided this account that we did not agree on, and I didn't sign anything. They did not follow the correct 5-Step Validation method. According to the FDCPA, I am entitled to pay for these offenses, because they obviously violated and abused my rights and privileges. I demand this account be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to contest the presence of incorrect and faulty accounts on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. The accounts I am disputing are : XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5800.00} XXXXXXXX XXXX XXXX Balance Owed : {$9900.00} XXXX  XXXX XXXX Balance Owed : {$820.00}. The information in these accounts is incorrect and does not accurately represent my credit history. I request that you investigate this matter and correct any inaccuracies found. The FCRA 's section 611 mandates credit bureaus to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, 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. 

These are the accounts Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX filed a correction to my creit report to XXXX XXXX. the report is wrong because XXXX have no complaint about a late charge. This was not removed from my credit report. Also experian credit report has the same erronance report on my credit file. I would appreciate this error being resolved.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE ACCOUNTS AND ADDRESSES THAT ARE NOT MINE
Product: Checking or savings account

Someone went into a branch and opened up a account in my name
Product: Credit reporting or other personal consumer reports

company violated my right to credit, under the equal credit opportunity act, took adverse action on ID theft fraudulent account and closed. This company have admitted discrimination. 1691. Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ; ( 2 ) to make an inquiry of the applicant 's age or of whether the applicant 's income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; ( 3 ) to use any empirically derived credit system which considers age if such system is demonstrably and statistically sound in accordance with regulations of the Bureau, except that in the operation of such system the age of an elderly applicant may not be assigned a negative factor or value ; ( 4 ) to make an inquiry or to consider the age of an elderly applicant when the age of such applicant is to be used by the creditor in the extension of credit in favor of such applicant; or ( 5 ) to make an inquiry under section 1691c2 of this title, in accordance with the requirements of that section.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my credit usage and late payments to the XXXX consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( XXXX  ) under XXXX XXXX Code XXXX ( d ) ( XXXX ), which defines exclusions from the term " consumer report. '' Summary of the XXXX : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' XXXX attempting to inform you of your violations, so youre able to make the corrections XXXX presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.
Product: Credit reporting or other personal consumer reports

I opened up XXXX credits with this company in XXXX and XXXX respectively to rebuild my credit so that I can make a vehicle purchases, get loans for things needed and a home. In the last XXXX years, I have endured multiple losses of employment along with losing my car and being evicted from my home. I am currently homeless living on the streets, squatting in vacant houses, lots, public spaces, motels with a voucher and shelters upon availability. I have no family or anyone to support me due to personal reasons and circumstances. I am immensely destitute along with not having unemployment benefits or any other income resources. I have applied for multiple job positions and have gotten turned down. In addition, due to this situation of having late payments on my credit reports especially from XXXX XXXX, I am unable to get the steady employment needed to avoid filing bankruptcy again, continued homelessness and not having a vehicle to get around in. I do not have money to move to another state or money to further my education, etc. I am asking them to grant this request without any assistance excuses or lies. They are multimillionaires living the life and they can afford to grant my request along with any amount of late payments waived along with removing the late payments off my credit reports. I have filed multiple complaints against them and they continue to deny or comply with any of my requests. I have spoken nicely with them but they only seem to understand anger and frustration.
Product: Debt collection

I had an account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX The balance was XXXX ; however the status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at Financial recovery services via the phone.
Product: Credit reporting or other personal consumer reports

they gave me a fixed rate and gave me a credentials to use and ran my credit after they did there numbers that they gave me changed
Product: Checking or savings account

Situation : Ally had run a promotion ( Rules available at : https : //www.allypaybacktime.com/rules and attached in pdf form ). In short, it asked the customer to deposit up to {$100000.00} of " new money '' and Ally will pay 1 % of cash promotion on this {$100000.00} - The new funds deposited into the account ( s ) must be from outside the Ally Financial family of companies. 

I had therefore, on XX/XX/2018 I had withdrew {$120000.00} from my CD to XXXX  XXXX, then brought back the money to Ally a day later by buying two CDs, one for {$100000.00} and one for {$20000.00}. So under my example above and your own XXXX XXXX XXXX, this is {$120000.00} of NEW MONEY, of which $ XXXX should be fully applied to the promotion. ( Please see attached files for proof ) What's wrong : Ally had instead only paid me {$98.00} for the promotion. I had contacted Ally to tell them that under the way their rules were written, " new money '' clearly only means new money from a different bank ( e.g., if I had {$1.00}, I gave {$1.00} to my friend, my friend then gave the {$1.00} back to me, that {$1.00} my friend gave to me is " new money '' by their definition in their terms ). Instead Ally refused payment and arbitrarily said that the " new money '' had to bring my account above a certain watermark that was not mentioned in the actual terms. 

As you can see other people have discussed Ally 's reluctance to pay at https : XXXX and at https : XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed some UNAUTHORIZED HARD INQUIRIES.Equifax and other credit reporting agencies are obligated by the FCRA to report accurate accounting. I the consumer have advised ALL the inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer. Consumer is now requesting XXXX to provide the documentation used to determine inquiry was authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under SEC to follow certain rules. XXXX XXXX file number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I will be filling XXXX treasury omb forms to audit my consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. Please remove items listed below. 15 USC 1581 PERMISSABLE PURPOSES.
Product: Debt collection

To Capital one I have previously sent u a request to validate my debt acct # XXXX. Under the fair dabt collections practices Act fdcpa i have the right to request validation of the debt you say i owe u. I have given you 30 days to remedy the situation which is a very reasonable period i have received no reply from you. Since you are still reporting this account on my credit report you are now in violation of the fcpda and are now subject to fines of {$1000.00} which i may collect from you by filing claim in small claims court. You should be aware that reporting such invalidated info to major credit bureaus might constitute defamation of character as the negative marks on my report harm my credit and prevent me from enjoying all benefits of good credit.im sure your legal team will agree that non compliance with this request could put your company in serious legal trouble with ftc and state or federal agencies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.