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

I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) for their failure to address and resolve a dispute I raised concerning inaccurate information on my ARS consumer file, specifically a public record related to bankruptcy. 

On XX/XX/XXXX, I requested a copy of my ARS consumer report, and upon reviewing it, I discovered inaccuracies in the public record section. On XX/XX/XXXX, I mailed a dispute to ARS challenging the accuracy of the following information : " Court : U.S. Bankruptcy Court Bankruptcy Filing Number : XXXX Reason : I dispute the accuracy of the public record listed as 'XXXX XXXX XXXX Date : XXXX ' on my credit report. I do not recognize this record in the reported manner, and I have confirmed with XXXX XXXX XXXX, the reported furnisher, that they supply information to XXXX, not ARS. I request the permanent removal of this disputed public record from my credit report. 
I included a copy of how the item appears on my ARS report, along with a response from XXXX confirming they do not provide information to ARS. '' Despite mailing my dispute on XX/XX/XXXX, I have not received any response from ARS regarding the investigation results. Subsequently, I sent a follow-up letter to ARS on XX/XX/XXXX, requesting an updated credit report. Unfortunately, I have not received any response to date. 

Enclosed, please find copies of my dispute letter mailed to ARS on XX/XX/XXXX, the follow-up letter mailed on XX/XX/XXXX, a copy of how this bankruptcy appeared on my ARS report XXXX and the response from XXXX dated XX/XX/XXXX.
Product: Credit reporting

I have previously disputed this account with Equifax. These bureaus continue to report an account on my credit report that is indeed not mine. See attached documentation. I submitted a dispute to the company and they sent the attached documentation that reflects the patients name. This account is not mine and therefore, it should not be reflected on my report. Delete immediately.
Product: Debt collection

The united revenue corp posted a {$1300.00} collection on my account and I have not been to any hospitals or received any medication from any kind of medical institution. I have reached out to get the account disputed but I have heard nothing back! It has been passed the 30 day period! And I need something done about this ASAP!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report. Despite my repeated disputes and submission of supporting documentation, Experian consistently responds within 24 hours, stating that the disputed information is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of consumer disputes. Additionally, Experian 's actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action ( File No. 2025-CFPB-0002 ) against them for similar misconduct. 

Furthermore, Experians negligence in maintaining accurate consumer records and failing to properly investigate my disputes constitutes a violation of 15 U.S.C. 1681o, which holds them liable for civil damages due to their failure to comply with FCRA requirements. Their continued disregard for federal law has caused me undue harm, including potential denials of credit and exposure to fraudulent activity. 

Disputed Information : Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FARI collections is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or collection letters or notices about this debt. I'm sure this violates my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments - XX/XX/2021, XX/XX/2021 and XX/XX/2021 2021
Product: Student loan

On XX/XX/year>, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : XXXXXXXX XXXX  XXXX, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for XXXX  if not XXXX XXXX XXXX XXXX XXXX per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXXXXXX XXXX XXXXXXXX case XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX late closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My agency send me my salary in paypal for almost 5months now and last month XX/XX/2021 i was expecting that i get my salary again but when i checked my balance i have XXXX balance in my paypal. That's why i checked my email and its say 's that my money is been hold. Then i provide the information they asked. Then they emailed me again after a week. And it's say that i can't no longer use my paypal account and wait for 180 days to get my money. But i don't have balance in my paypal account, nothings indicate there that i have money on hold in 180 days. I am not sure if this is some mistake that i assume it has to be. I have not been able to get help from them for a month and someone tell me that i could file a report here as i feel that they not doing there job properly and it's effecting me a great deal as i used Paypal to get my salary from my work. Paypal closed my account for no reason. Please help me get my salary. My email linked to my Paypal is XXXX. please thankyou and Godbless. I hope that everything will be ok.
Product: Bank account or service

Union Bank continues with Fraud, false Banking Statements, False Alerts and has made contact with Store Merchants along with XXXX and XXXX. Union Bank of XXXX and XXXX XXXX have Violated my Privacy Bank Rights and by giving merchants my " Savings Account Number ''. After making On-Line Payments Union Bank Web-Developers and Programmers made contact to send back payments, by using my " Saving Account number. History will show continued Fraud by Union Bank employees. On-Line payments were made only using my checking account, Debit Bank Card, then Union Bank employees would make contact via phone and instructing them that the account was over drawn then having the merchant re-send the payment back using my Savings account on XXXX different transmissions. Union Bank on-line statements will show and prove that at that time, the Checking Account had sufficient amount to cover all transactions. Union Bank Programmers have committed criminal activity by posting Fraud overdraft charges on XXXX different transactions then " Blocking on-line access. Union bank has made Refunds on XXXX different complaints, the calling merchants a second and third time to send back on-line payments, evidence of statements will prove that Union Bank Programmers have violated wire transfer laws, posted false statements, then refunded on XXXX different transactions. No Savings Debit card was ever issued, only Checking account. Union Bank employees continued this criminal activity for the month of XXXX XXXX and XXXX XXXX. A positive balance was maintained with a positive amount of over {$660.00} during this time. Union Bank is located only in XXXX, and since I relocated to the State of XXXX this criminal activity started, knowing the nearest Union Bank is over XXXX XXXX miles away. XXXX Documents of Bank Statements and on-line printed statements.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I attempted to log in to my account, but they continued to send a verification code by text to my old phone number. I tried calling several numbers but each time the automated answering service kept me going around in circles and wouldn't let me talk to a live agent to correct my phone number, yet I get regular emails from Experian at least one a month. I have no problems with the other two credit reporting companies logging in to my account.
Product: Credit reporting or other personal consumer reports

This is my 2nd request I pulled my credit report and found I have several not even several lots of inquiries on my account that I never authorized. I contacted the credit bureau and they just looked at it and apparently just said she was buying a car so there hers. So I called to explain and they said I bought a car and they are connected to the same time frame I bought the car so they have to stay. I told them that I had a pre approval letter and I didnt authorize and they said I have to file complaint again. So will try this then I will file the police report if I cant get anywhere. Because my credit should have never been ran. Here are the ones in disputing I have XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Over 2 years ago I also had a preapproved letter from XXXX  XXXX and they did the same thing. I never knew it until I pulled my credit thought. I never authorized them to pull my credit I brought my letter from XXXX  XXXX down with me and showed it to them and told them so they would not have to run my credit a bunch of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXXXXXX XXXX XXXX in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in resolving significant issues I have been facing with the major credit reporting agencies that pertain to both the aftermath of the recent XXXX data breach and ongoing improper handling of my credit report details by credit reporting companies. 

**Background : ** XXXX. XXXX XXXX XXXX XXXX ** As one of the millions impacted by the XXXX XXXX XXXX, I have been experiencing manifold issues stemming from unauthorized activities on my credit report. 

2. **Improper Investigations and Reassertions : ** In alignment with the CFPBs recent lawsuit against Experian for erroneously reasserting items on consumer reports without following mandatory procedures, my credit reports currently contain accounts that should have been permanently deleted. The reporting agencies have either ignored previous disputes or incorrect behaviors like reassertion without proper notification and validation. 

**Details of the Accounts in Question : ** Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX **Attempts to Resolve : ** Over the past several months, I have pursued multiple dispute channels : 1. **Direct Requests to Credit Reporting Agencies : ** I initially approached the credit bureaus with comprehensive evidence, including personal identity proofs and prior resolutions, requesting immediate removal of these unauthorized accounts. 

2. **Violated Rights under FCRA and FDCPA : ** Despite fulfilling statutory requisites and adherence to official dispute procedures per FCRA , these agencies have failed in their duty to delete disputed data appropriately. 

Not only have some erroneous items been retained, but others have been reinstated without prior notification or adequate reinvestigation, aggravating my circumstances amid the suffering credit history from identity theft breaches. 

**Request for Assistance : ** With the Continuous distress caused by these recurring offenses, I am left with no choice but to seek the CFPB 's intervention. My measured requests are : 1. **Facilitation of Proper Investigation : ** I request your assistance in ensuring that credit agencies conduct the requisite thorough and good-faith investigations and eliminate improper data. 

2. **Corrective Measures and Consumer Protection Measures : ** Hold credit entities accountable for procedural lapses, ensuring enhanced protections against similar future occurrences. 

Enclosed are all relevant documents, including previous notifications, credit reports featuring the contested entries, and recorded correspondences with the involved credit agencies. 

I am hopeful for your vital guidance and direct engagement with this ongoing infringement upon my consumer rights. Timely closure to such media is paramount for my financial recovery and continuance. 

Thank you for considering my plea for assistance. I eagerly await your positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

After formal letters and calls to the three credit reporting agencies of XXXX XXXX and Transunion they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!
Product: Credit reporting or other personal consumer reports

The following account REGIONAL ACCEPTANCE acct # XXXX was charged off as of XX/XX/. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately XXXX years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Product: Credit card

US BANK has sever offer online, but I opened credit card with them, I finish the requirement but they did not give me back the bonus. 
Now there are XXXX accounts has offer I should get but I did not, it is all like spending XXXX in 3 month and get XXXX back. check on there website page online XXXX ). and page ( XXXX ). I 've chatted with customer service phone team, they did submit request for it, but they told me they need the fine print? It is absolutely public and everybody could access to that link and see the offer at the first place. 
{$100.00} New Cardmember Bonus after you apply online and spend {$500.00} in the first 90 days of account opening. 
And the marketing team give me back a saying that I should get XXXX rewards, but that is actually regarding to the checking offer. My summer checking offer package. Code is XXXX. After I mentioned that, they do not reply me as they do not have other excuse, yet they deny the deal and offer they should give to me. 
They obviously listed everything online loud and clear, I feel frustrated about their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Product: Payday loan, title loan, or personal loan

Over the phone, I had tried to get Advance Financial to stop taking automatic payments from my account ( ACH ), I was advised by a phone representative that they could not do that since they don't have payment locations in this state. I subsequently learned this was incorrect and customers can ask lenders to stop ACH ( and debit ) withdrawals. 

At least 3 days prior to a payment date of XX/XX/19, I contacted Advance Financial and advised them that I was unable to have a withdrawal from my account of {$350.00}. The representative agreed to honor my request. Yet on XX/XX/19, {$350.00} was taken via debit card from Advance Financial from my account. When I contacted them I was advised that sometimes they can not accomodate requests if someone did not meet a prior payment arrangement. I had in fact once been 3 days late and they also made a debit card withdrawal. When I told the representative that I could not feed my kids they said there was nothing they could do. I need the {$350.00} back so I can feed my kids. 

Advance Financial is a predatory lender that does not honor requests regarding payments and lies to their customers about the ability to stop ACH payments.
Product: Debt collection

I previously reached out to CONSUMER COLLECTION MANAGEMENT requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that CONSUMER COLLECTION MANAGEMENT has reported a collection account with a balance of {$4400.00} on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, CONSUMER COLLECTION MANANAGEMENT must remove all reporting of the account on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2020 i sent out dispute letters to Transunion and XXXX  disputing a few errors, but main issue is a XXXX car loan that is not mine. I never received a response back from either one of them in the mail showing me any verification proving that car loan belong to me. 

XXXX XXXX XXXX Account # XXXX the rest of the items on the letters we're also not verified and proven to be mine. 

i will attach proof of the letters sent out, received by the credit bureau 's and signed for by Transunion and XXXX. 

Can you please help me get this error off my credit file because it is hindering me financially. Thank you very much for your help and your time.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account was not reporting accurately. I have XXXX delinquent payments reporting that were in fact paid on time. The Consumer reporting agency needs to report with complete accuracy. 
Also as part of the XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. 
According to the CARES Act ( Section 4021 ), an accommodation is made due to COVID-19, the account must continue to be reported as current if it was current at the time of the accommodation. 
Please update these dates as current and paid on time : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am also requesting you send verifiable proof showing I had late payments with records. 
If this information can not be verified I am asking you to update the reports as paid on time. 
Thank you for your prompt action.