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

On XX/XX/2018 and today XX/XX/2018 I attempted to sign up to freeze credit report on the Equifax website -- under the new law that states credit file freeze is free as XX/XX/XXXX, XXXX. Each time I attempted to complete the form. I received various error messages : We are temporary unable to complete this request. 
We will send you an email varification to complete the request. 
Oops this looks like it taking longer than expected I tried completing the application online a dozen times yesterday and four times this morning. I finally gave up and called the toll-free number XXXX. XXXX the gentleman who answered the phone said he would take my information and do it over the phone.I had a difficult time understanding him so I asked where he was located assuming Georgia. He said he's in the XXXX. As a rule I never give personal information XXXX XXXX etc over the telephone. I particularly do not want to provide this information considering the Recent Equifax data breach problems. 

XXXX  and XXXX  websites were very easy to use and I completed the forms to freeze my credit report in less than 5 minutes and received immediate confirmation that my security freeze was successfully added and a freeze is not in place. 
Please look into why Equifax is making it so difficult to complete a security. Thanks so very much
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018 and XX/XX/2018, XXXX XXXX announced a major data breach. I received notice from XXXX that I am a victim of the data breach. There are 3 fraudulent and unauthorized accounts and credit inquiries on my XXXX, XXXX  and XXXX XXXX credit report that are fraudulent, unauthorized and don’t belong to me, and is the result of the XXXX   data breach and a compromise of my personal information. The following accounts are fraudulent, unauthorized and I didn’t apply for the accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and a result of the XXXX XXXX data breach. The following credit inquiries are fraudulent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing you today to inform you I was the victim of identity theft. Please let me this letter serve as a formal dispute of this account. I contact all the companies directly and was told to follow this steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved matter regarding previous CFPB complaints numbered XXXX and XXXX. Despite previous instructions provided by the consumer, your consumer reporting agency has not complied accordingly. 

I have reported identity theft against me and have attached the corresponding report for your reference. It is imperative that the inaccuracies in my consumer report be rectified immediately to reflect the accurate restricted information. 

Failure to correct these errors promptly may result in further legal action due to continued reporting of restricted information without correction. 

I kindly request your urgent attention to this matter and prompt action to rectify the discrepancies in my consumer report.
Product: Credit card or prepaid card

WELLS FARGO is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( XXXX ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( WELLS FARGO XXXX )
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accounts on my reports. please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I received a bill of {$1500.00} from XXXX XXXX XXXX, but when I requested an itemized bill, they refused to provide one. Instead, they sent me an old bill with incorrect information. I need the itemized bill because I have excess insurance on the car, and my insurance company requires it to cover the excess. Despite multiple requests for the itemized bill, I have not been successful in obtaining it. 

I eventually sent the incorrect bill to the insurance company, which caused a long delay in resolving the issue. As a result, the leasing company added a late balance to my account, negatively impacting my credit score. They attempted to send me a bill on XX/XX/2024, but it was only a total amount and not itemized. This pattern continued with all other bills I received ; they consistently refuse to provide an itemized statement.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # ending in XXXX This creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is a brand new dispute. 
XXXX XXXX is in direct violation of FCRA Section6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly ot through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative infomation without notificationand consent of the consumer. XXXX XXXX failed to Inform Principal that it would be reporting Principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX is reporting the tradeline on my credit ( s ) unlawfully regarding transactions and experiences violating principals and rights under the FCRA and could be held for Fair Debt Collection Practices Act as well because I will attest in a Court of Law that I never had an account with XXXX and I am demanding that all negative non public personal information, transactions and experiences be removed from my credit reports ( s ) immediately under the afore consumer mentioned rights and laws.
Product: Mortgage

My family was approved for the HAF Florida Department of Economic Opportunity Mortgage Assistance on XX/XX/2022. I was informed that the check was mailed to the mortgage company the same day. To date, these finds have not been applied to my mortgage. I am an educator and did not get paid over the summer, so the assistance is much needed for my family to make ends meet, especially since COVID has greatly impacted our income. Please help me ensure that our assistance funds are not being held on someones desk, while were struggling to make ends meet.
Product: Credit reporting

I have reached XXXX XXXX XXXX for the past 2 months trying to to settle the debt, I learned to have two months ago via credit report, they posted the unpaid-debt on my credit bureau 2 mts ago Despite my efforts, they continue to give me the round around and sent my account to charge off. Need help solving the issue and have the company send me an agreement/settlement in writing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and to request a thorough investigation into the failure of Equifax and Experian to handle my disputes in compliance with the Fair Credit Reporting Act ( FCRA ). Their actionsor lack thereofhave directly harmed my financial well-being and ability to access credit fairly.

Recently, the CFPB filed a lawsuit against Experian and Equifax for failing to conduct proper investigations into consumer disputes, engaging in " sham investigations, '' and other unlawful practices. Specifically, these credit bureaus have been accused of : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about the results of investigations effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes have been mishandled in a similar manner. 

Details of My Disputes I submitted multiple disputes to Equifax prior to the CFPB lawsuit. Specifically : On XX/XX/year>, I submitted disputes with confirmation numbers XXXX and XXXX. 
On XX/XX/year>, I submitted another dispute with confirmation number XXXX. 
Despite providing clear documentation pointing out the inaccuracies, the disputed information has remained on my report with no valid justification. 

Similarly, I submitted disputes with Experian around the same timeframe. However, I have been unable to access the dispute center without being forced to pay for a {$30.00} subscription. This paywall is an unfair and unreasonable barrier to resolving credit inaccuracies, leaving me without access to my dispute records and unable to verify if my concerns were even addressed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking you to investigate '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase lowered my credit limit. This was done even though I have XXXX accounts with them and have never been late or missed a payment. By lowering my credit limit my ratio of balance to limit will hurt my credit score through no fault of mine.
Product: Debt collection

I opened an account with XXXX Bank ( they are not even in Business anymore, they were sold to XXXX Bank years ago ) in the mid XX/XX/XXXX. I defaulted on that credit card in XX/XX/XXXX and the debt was sold to XXXX. I know this because of the statement I have now received from Convergent to collect this debt. They list XXXX as the creditor. I have not had any transactions on this account since XX/XX/XXXX. In Texas, you can not collect on a credit card after 4 years. I do not want Convergent adding themselves to my credit report 15 years after this debt was defaulted on.
Product: Credit card or prepaid card

I went to a XXXX gas station in XXXX XXXX Florida XXXX that I used charge me {$0.00} for gas when I got my card it is trying to charge me {$50.00} for gas that I never got I only got {$0.00} in gas and the pump stopped now the XXXX is keeping my {$50.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is on my credit report. Also, Self Lender and Self Financial, It is my official statement that there are unidentified person ( s ) responsible for creating these accounts. I am pursuant to clearing this matter up. These inaccurate accounts represent a complete error in reported information ( s ). Your company is in violation of 15 U. S. C. $ 1681B and 15 USC 1681eb and knowing the law your company is responsible for and must remove these inaccuracies with provided physical documentation. Please delete these inaccurate accounts under section 611 ( 5 ) ( A ) of the FCRA. Each appropriate creditor is aware of the falsified information creating grounds for immediate deletion. These inaccuracies are not present on any other bureaus which solidifies its inaccuracy and lack of validity, yet it is still actively reported on my file.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX Account Number : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.
Product: Debt collection

I paid this debt on XX/XX/2018 over the phone with a call rep. I would like for this debt to be DELETED from all credit bureaus its stopping me from getting a home and having good credit. Please DELETED this account. XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed payments to Macys and Bloomingdales. The payments were both made to Bloomingdales. I called daily to have this corrected. Then the payment was made on Macys correctly in XX/XX/XXXX or before. The Bloomingdales account showed I owed {$3700.00} which was wrong and that amount was not corrected until XX/XX/XXXX. But Bloomingdales reported to all 3 credit bureaus I was over my limit and dropped my credit score from XXXX to XXXX points. I need Bloomingdales to fix this. I was given the run around when I called customer service and was told the department that could correct this was closed due to hurricane Milton. This is unacceptable. I need this fixed as soon as possible because its their fault and Ive been dealing with this for over 30 days.
Product: Credit card or prepaid card

I received two Lowes Business Advantage credit cards in the mail from Synchrony Bank on XX/XX/2021 as well as a letter in a separate envelope welcoming me to my new credit account. The account was opened using my first name and " Construction '' in place of my last name. 

As I did not apply for these cards, I called Synchrony Bank at XXXX and opened a fraud case. They informed me that an individual using a lot of my personal information opened the account on XX/XX/2021 and made a number of charges immediately. Synchrony informed me that they have closed the account and will be having their fraud investigators contact me in 7-10 days.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXXXXXX - XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Wells Fargo account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX to purchase a ring on XXXX XXXX. The Ring did not arrive by XXXX XXXX can cancelled the ring .XXXX was the company selling the ring. XXXX XXXX shipped the ring on XXXX XXXX. I did not receive the ring till XXXX. I returned the ring as it was cancelled. The Ring was shipped via XXXX I have the return packaging. XXXX realized it made a mistake as it's driver forced my XXXX XXXX XXXX to sign saying it was a XXXX Gift and your dad would be mad. XXXX XXXX XXXX can not sign contracts. The Ring was returned to XXXX XXXX and then XXXX charged me .No ring .Just a bill. I complained for 4 months. I had a XXXX on XXXX XXXX. My minor child was traumatized. I am permanently XXXX. Affirm did nothing to investigate.I have documented evidence in a letter that XXXX  lied and XXXX XXXX lied to the California Attorney General saying they shipped the Ring on XXXX XXXX. The XXXX  box shows the date XXXX later. I complained to you the FDIC., And multiple agencies in the XXXX govt. No one did anything .bNiw fast forward. My credit has been ruined for almost 4 years and XXXXXXXX XXXX  XXXX New Jersey was one of the companies that underwrites the XXXX loan. They said that they have nothing to do with the XXXX loan but just recently I had a loan cancelled by XXXX because of an internal review by XXXX XXXX XXXX The XXXX loan went on my credit report after a XXXX article about single sale financing. I want the XXXX loan removed from my credit report and I want XXXX XXXX to stop hiding behind underwriting status when they know a bank or lender screws up like XXXX but then be an internal reviewer for Upgrade you can not have it both ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before back in XX/XX/XXXX about Kia Motors Finance. After I filed that complaint the company took the negative marks off and even the debt itself like they said they were. Well they putt is back on in XX/XX/XXXX and this time they put that it was 30-59 days late in XX/XX/XXXX and them 60-89 days late in XX/XX/XXXX on my XXXX report. On the XXXX report they have reported closed and charged off as bad debt. On XXXX, they reported closed deragatory charge off. 
Those late payments and bad remarks have caused my credit score to go down over 150 points. I spent over three years to get my credit score over 800 and now it is XXXX. I am hurt because credit is everything and you cant do nothing without it. 
I had to once again put my home improvement project on hold because of the bad hard hit to my credit by Kia Motors Finance. 
When I reached out to them they told me that because the payment was due on the XX/XX/XXXX of the month and I paid it on the 1st cause them to report 30-59 day and 60-89 days late on my credit and that is so wrong and messed up on so many levels. I did not ask for my car to be stolen or anything to this nature but Kia Motors Finance is making it their priority to hurt my credit and I have been sticking to the payment plan that they gave me. I started with XXXX and now the balance is XXXX but they still feel the need to hurt my credit while I sticking to the payment plan. 
I know everything has policies and procedures but my car being stolen out of my driveway was very unexpected and i didnt have XXXX laying around to pay in full. That is why I put myself on a payment plan with them. Every time I call them its new information given to me and new things they keep telling me that I never knew in the beginning. 
The car was stolen in XX/XX/XXXX and I am still dealing with this and its like Im still getting punished for something that was beyond my control. 
Now when I ask them why did they put it back on my credit after they took it off and they could not tell me why. I am really sick of this. The next payment of XXXX is due on the XXXX. I am not trying to get out of paying. I just want them to report what is correct and have a little XXXX for people that this happens to cause we dont ask for this to happen to us at all.