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

These are Wrong on my credit report I Should have no late payments to my file. I want these to be change to on time payments, and these need to be change within 30-45 days I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS! 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 




( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

My credit file has been mixed with my sister for almost 3 years, despite disputes. I have some of her student loans, credit cards, and auto loans on my account with Transunion and XXXX XXXX. In addition, her name and previous addresses come up using my social security number as well which prevents other 3rd party companies from verifying my address, identity, income, etc. 

Most recently, on XX/XX/XXXX I was unable to get a new car insurance policy due to the fact that my rate had gone up by {$670.00} because of a report from XXXX and XXXX that provided the insurance company with my sisters driving history instead of mine.
Product: Debt collection

I never gotten any bill saying i owe this debt. All my medical bills in pass were covered by Medi-cal. This debt appeared on my credit score from collection agency CA BUS BUR. And has been since 2012.
Product: Credit card

At XXXXXXXX XXXX on XX/XX/2024 US Bank called e to say that XXXX XXXX XXXXXXXX was opened when I denied an authorization. 
The person trying to open this account is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was trying to open an account using my social security number. 
US Bank cancelled the authorization : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to call me. I have no accounts there. I was not able to answer the call.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Credit card or prepaid card

I have a XXXX XXXX treatment at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX by Doctor XXXX XXXX. The crown was broke on XX/XX/XXXX. I contacted the doctor but the doctor is not longer at the office and refuse to fix the crown then I contacted the XXXX  office and they charged me {$300.00} for a new XXXX. I don't think I should pay for the new crown because it's the doctor 's fault that make my XXXX XXXX only after two years. I contact the credit card company XXXX XXXX and they refuse to dispute the charge i made on XX/XX/XXXX to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX inquiry XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts 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 accounts that are still showing on my report. 
XXXX XXXXBalance {$0.00} XXXX XXXX-Balance {$0.00} USDOEXXXX-Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Several fraudulent inquiries and accounts listed on my credit report. These accounts and inquiries were opened and reported as a result of identity theft, which occurred due to the XXXX, XXXX, and TransUnion data breaches. As a victim of these breaches, I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.
Product: Credit reporting or other personal consumer reports

TransUnion failure to follow XXXX XXXX XXXX XXXX guidelines. With overwhelming evidence, I am a victim of identity theft and fraudulent accounts were opened on my credit file. Now, TransUnion should follow the laws protecting consumers. These identity theft accounts should be blocked or deleted from my credit file, such as two accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX falsely did an inquiry for credit check without my authorization
Product: Credit reporting or other personal consumer reports

I recently disputed a XXXXXXXX XXXX XXXXXXXX with Experian. See Attached. Experian verified the account as accurate but pending. At the same time I contacted the courts regarding reporting to credit bureaus in which they do not communicate with credit reporting agencies. See Attached. I also contacted XXXX XXXX regarding this private information. See CFPB Complaint # XXXX. As a result of not having written permission to furnish my private data any and all data related to any bankruptcies were deleted from XXXX XXXX. See Attached. To knowingly report false or inaccurate information is a violation FCRA, defamation and trespass on person. Your company has severely impacted my livelihood when it comes to obtaining credit by reporting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : Equitable Acceptance Reported XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information EQUITABLE ACCEPTANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I initiated contact with a representative from Hunter Warfield to resolve a debt. I made it clear when I spoke to them that I needed to have the account completely removed from my credit if I was going to pay it ( not just showing a balance of " XXXX '' ). The representative stated that it would be and added that it should " fall off '' within 90 days. 

I asked for a letter indicating their intention to remove the account ( not just indicating the account has been " settled '' ) from my credit however they provided me a letter that did not and has not indicated that directly and I do not believe they intend on removing the account from my credit report as agreed upon. 

I called them a second time and requested they send me a letter using the words describing our agreed upon terms in " removing '' the account from my credit however they provided me with the exact same letter they did the first time.
Product: Checking or savings account

I am writing to file an official complaint regarding the mishandling of a check deposit I made on XX/XX/year>2025. 

I deposited a check for {>= $1,000,000} from my lawyer 's account at XXXX of your ATMs late at night, as the branch was closed. The ATM indicated that half of the funds, {$5500.00}, would be available on XX/XX/XXXX, and the remaining balance on XX/XX/XXXX. 

However, upon checking my account on XX/XX/XXXX, I found no funds were made available. When I contacted customer service, I was given inconsistent information and was informed that half the funds would now be available only on XX/XX/XXXX, and the rest on XX/XX/XXXX.
Product: Debt collection

I happened to look at my credit reports and Notice a company called XXXX XXXX had a collection on my account at least until XX/XX/XXXX, the date i received my first credit report from XXXX. 

Soon After i assume the Medical Account was sold/transferred to XXXX XXXX XXXX. 

I also have my XXXX report showing : DATE ASSIGNED is XX/XX/XXXX. 

I never received a notice. I never received a call. No communication was made. 
i have tried to contact them and they have not responded in any manner. 
I have also tried to contact them on their website on XX/XX/XXXX and I have yet to receive any notification, verification, and/or validation that i have asked for from the company.
Product: Credit reporting or other personal consumer reports

This account is not mine and I never had a contract with this company
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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX 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

I began an application for a mortgage with XXXX XXXX Bank. They utilized XXXX XXXX - XXXX OR ( XXXX ) for credit analysis. XXXX sent me their analysis which showed that Experian, on XXXX/XXXX/2015, reported adverse information about my credit, including : Ratio of Balance to limit on Bank Revolving or other Rev Accts too highToo many accounts with balancesToo Many accounts recently openedWhen I attempt to call Experian, or access their identified website, there is absolutely no means to inquire about the info or file a dispute. 
How should I proceed?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I send in disputes letters to experian, XXXX, and XXXX. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account Bank XXXX XXXX # XXXX, Account Bank XXXX XXXX Account XXXX XXXX, Account XXXX Bank XXXX XXXX XXXX XXXX, Account XXXX Bank # XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX 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
Product: Debt collection

Commonwealth Financial attempting to collect on a debt that is not mine. This company reported that this account was opened on XX/XX/2019 and reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I attempted to report fraud and a scam to Capitol One which they refused to acknowledge and investigate despite my offering to provide the fraudster 's SSN and passport information. The initial payment to my account by this unauthorized user on my account occurred on XX/XX/XXXX XXXX XXXX and was not identified by Capitol One as fraudulent and reversed until XX/XX/XXXX, which was 37 days later even though it was from a Capitol One, National Association Account ending in XXXX. During this period of 37 days, Capitol One provided XXXX indications that there was any problem with this payment. 
On XX/XX/XXXXXXXXXXXX XXXX Capitol One closed this account and two other accounts that I had with them that had been satisfactorily maintained since they were opened in XX/XX/XXXX and XX/XX/XXXXXXXX 
I paid off all of the personal charges on my account over the next several months and then they began reporting me as delinquent. 
Capitol One filed a suit for collection against me, XXXX XXXX XXXX Case Number XXXX, XXXX XX/XX/XXXX. I requested it be dismissed since Capitol One had aided and abetted in the fraud perpetrated on me and my mom provided additional information to the mediator since I am XXXX. Rather than respond Capitol One requested and was granted on XX/XX/XXXX, an order of dismissal without prejudice. The outstanding fraudulent balance which has increased to {$18000.00} and all of the months of late payments remain on my credit report even though Capitol One is no longer reporting any information to the three credit bureaus. I wish to have all negative information removed if Capitol One refuses to do a fraud investigation.
Product: Credit card

There were multiple transactions on my credit card throughout the end of XXXX up to mid XXXX. I called them in at least XXXX times about this. The first time was Friday XX/XX/XXXX, another time on XX/XX/XXXX, and I also tried disputing the charges online. They keep saying that there's a " system error '' and that it's being worked on. But at the end of the day, almost XXXX weeks have passed, and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also credit cards inquiries from XXXX card, XXXX  XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft
Product: Debt collection

XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX  Account # XXXX, XXXX  XXXX Account # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.