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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

SXXXX 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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on my credit report that shouldn't be there, I have reached out to Experian and XXXX. and asked that they remove this off my credit report and provided them with all the documents confirming my claim. they have consistently said the information came back verified through XXXX XXXX which is inaccurate because i have the documents from XXXX XXXX stating that this information isn't accurate.
Product: Debt collection

Hello, I received a text message from Unifin regarding a debt collection. Im unaware of any debt and I never received a letter and have no idea what this is in regard to.
Product: Credit reporting or other personal consumer reports

I have reached out to Trans union several time via phone about these unauthorized inquiries on my credit report. I have File a Complaint with FTC ( will provide attachment ). Trans union continues to leave this information on my consumers report. According to 15 usc 1681c-2 : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am also aware that my written permission must be given, without my permission is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the divorce settlement. I have attempted several times to contact both the credit bureau and XXXX store card and neither will knowledge this.
Product: Debt collection

The United Revenue Corp posted a {$580.00} collection on my account and I've never been to any hospitals, nor have I received any medications from a hospital. I have reached out to get this account disputed, but I haven't heard anything back yet! It has also been passed 30 day period and I need something done about this asap!!
Product: Credit reporting or other personal consumer reports

I would want to use this opportunity to convey my sincere worry and annoyance over the recent identification of bogus accounts on my credit report. These accounts are the consequence of identity theft, and even after I've made multiple attempts to notify you and address this problem, your company continues to take a very long time to respond. I'm sending you this letter to ask for your quick help getting this fixed. 
I implore you to look into these accounts as soon as possible, thoroughly, and take prompt action to get them removed from my credit report. After the investigation is finished, I anticipate receiving written confirmation of the removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been a very major reporting error as the item listed is entirely erroneous and incomplete. Kindly remove this false information and send updated credit profiles to any creditors that have received copies in the last two years for job purposes, or during the last six months for creditors.
Product: Checking or savings account

XX/XX/2023 approximately {$2100.00} was withdrawn from my Chime Bank savings and checking accounts without my authorization. XX/XX/2023 approximately {$2300.00} was withdrawn from my Chime Bank savings and checking accounts without my authorization. I filed disputes with Chime. It determined no error was found in either dispute. I appealed both matters and Chime reported the same findings in both disputes. I reappealed and Chime is currently investigating. I filed a report with the XXXX SC Sheriff 's Department on XX/XX/2023. It filed a finding XX/XX/2023 and issued a search warrant to Chime Bank. The case was turned over to the white collar crime division.
Product: Credit reporting, credit repair services, or other personal consumer reports

I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. Equifax on the other hand. No so receptive. I've made multiple disputes we with Equifax. I had a Mobile home loan opened in XXXX with XXXX XXXX XXXX XXXX. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. Equifax is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ XXXX XXXXl ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that Equifax contacts him. Equifax is requesting XXXX XXXX to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call XXXX XXXX the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.
Product: Credit card or prepaid card

I received a letter in the U S Mail which offered a {$200.00} credit with a new card application after spending {$500.00} in the first 90 days. The letter offers application by phone or online. When attempting to make the application on line no terms were offered which included the {$200.00} credit. After attempting to make the application by telephone I was told that a cell phone was needed to proceed with the application. The agent stated that there are hundreds of offers available but would not confirm the one mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made against XXXX, Tranunion, and XXXX  on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained previously about XXXX XXXX reporting a 30 days late ( in XX/XX/XXXX ) on actually day 29 ( not 30 days late ) wthe furnisher received notice of a credit dispute from a credit reporting agency, and ( 2 ) the furnisher thereafter acted in willful or negligent noncompliance with the statute.XXXX is in direct violation of federal laws. all the agencies have done asked the XXXX ( furnisher of the report ) to verify the information and XXXX verifies they are reporting correctly however that is FALSE. 
15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers of information to investigate disputed information after receiving notice of a dispute concerning the completeness or accuracy of information from a consumer reporting agency. the furnisher ( XXXX XXXX received notice of a credit dispute from a credit reporting agency, and XXXX XXXX  ( the furnisher ) thereafter acted in willful or negligent noncompliance with the statute. still reporting on day 29 instead of day 30... XXXX has willfully neglected to report correctly and therefore is in violation of 15 U.S.C. 1681s-2 ( b ). 
All there agencies named here ( XXXX, Equifax, XXXX ) pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, have failed to establish or follow reasonable procedures, and for failure to delete inaccurate information.

ee 15 U.S.C. 1681e ( b ) ( " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " ) ; 15 U.S.C. 1681i ( outlining procedures for credit reporting agencies to follow in the case of a disputed accuracy ). See also XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) ( " XXXX XXXX claims against XXXX under 15 U.S.C . 1681e ( b ) and 1681i are due for dismissal because those provisions apply only to consumer reporting agencies. " ). 
If the agencies continue to not properly investigate the late 30 days reporting incorrectly by the XXXX on XX/XX/XXXX ( late 30 days ) I am left no option but to bring a federal lawsuit for damages against each agency under Fair Credit Reporting Act ( " FCRA '' ) for injury to reputation or creditworthiness for over a {>= $1,000,000}. 
XXXX can not report alate 30 days date, when they had payment in their possession on day 30. 
XXXX continues to reprot a late 30 days in XX/XX/XXXX which is incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my written consent to furnish any inaccurate/incomplete/unverifiable information at any time.I believe my privacy was violated and this caused me the natural person substantial Financial Injury.There are several violations purposely committed according to 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC ( b ) ( 3 ) 15 USC 1692 ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I received a debt collection letter from CREDIT COLLECTION SERVICES dated XX/XX/2021. It states that I owed a debt in the amount of {$640.00} and that they were attempting to collect on it. I have no contract with CREDIT COLLECTION SERVICES and only know of them based on the correspondence that they sent to my address. I sent a letter to them on XX/XX/2021 in order to have them verify the debt that they are attempting to collect on. They have failed to respond to the correspondence I sent to them. The debt that they are attempting to collect on is secondary to a doctor visit that I had. According to the XXXX XXXX XXXX and Accountability Act ( HIPAA ) it is illegal for any form of health information to be shared with a third party without consent. CREDIT COLLECTION SERVICES has not provided the authority that allows them to contact me in reference to a debt in secondary to my medical services. I have provided copies of the correspondence sent by CREDIT COLLECTION SERVICES and the letter I sent them with this complaint.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for the unauthorized access and potential disclosure of my personal financial and credit information. Recent reports indicate that TransUnion, along with other financial institutions, may have improperly granted access to sensitive consumer data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). This constitutes a severe violation of consumer rights, privacy laws, and financial regulations. 

Details of the Complaint : Unauthorized Access : I believe my personal credit and financial data, as stored and managed by TransUnion, has been accessed or shared without my consent. 
Potential Privacy Violation : If TransUnion has disclosed my data to unauthorized parties, including those associated with DOGE or XXXX XXXX, this is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Failure to Protect Consumer Information : As a major credit reporting agency, TransUnion has a legal obligation to secure consumer data and ensure it is not accessed or misused by unauthorized entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have filled a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.Iin addition, I would like a confirmation receipt to keep me notified.
Product: Debt collection

Received written correspondence from Resurgent Capital Services dated XX/XX/XXXX, regarding collection of a non-specified debt. Responded by USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX challenging validity of collection attempt, requested under FDCPA no further communication with me or 3rd party, etc. ( documentation is provided within this complaint ). Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation being provided within complaint ) In violation of FDCPA, I received correspondence dated XX/XX/XXXX, from Resurgent alleging I had " requested '' a response. Impossible due to the statement contained in paragraph above. 

Responded to this XX/XX/XXXX communication again restating request to not further contact me or any 3rd party, etc. etc. Sent USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX. Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation is being provided with this complaint ) On XX/XX/XXXX, I accessed my deceased husband 's post office box in another city. I was shocked to discovery correspondence dated addressed to him from Resurgent regarding this attempt at collection. Not only is he deceased and was an attorney I gave no information to this company about him nor any indication that he represented me in this matter. This is a clear violation of my written requests under the FDCPA. 

Therefore I am filing this complaint.
Product: Mortgage

HI. 
Dear CFPB.You did not solve the problem.You are keeping the side of mortgage company.In spite that i send 5 email they are unable to solve problem.I can not understand that you do not know the law.Property tax/assessment value/ in CT is set on per year, and can not be change in the middle of year.They change tax in the middle of the year.They ripp me off.I am asking you, what the next..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Product: Credit reporting

I have been making numerous attempts to have Capital One validate this account that 's on my credit report. Every time I send them a letter of validation I receive generic and automated responses via postal mail. This account is reporting erroneous information and I want it removed from my credit report due to lack of validation as stated in the Fair Credit Reporting Act section 609 ( c ) ( 2 ) ( e ) and 611 ( a ) ( 5 ). Since the CRA 's along with Capital One can not validate this account it must be removed but neither parties involved are following the federal laws that are put in place.
Product: Checking or savings account

There had been fraudulent activities coming and withdrawing from my checking account for past 2 months and i made a report to the bank. When I made a report they can cover and reimburse the lost money from unauthorized activities up to 60 days which was my case. 
Few weeks has passed and the issue still hasn't resolved, i had visited the bank again. The bank says they can only cover up to 30 days of most recent activities. 
I am disagreeing their decision and I have a right to receive full reimbursement of unauthorized funds. 
The uncollected amount is close to {$10000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services incorrectly reported information to all the credit bureaus which has negatively affected my credit scores. THEY DID NOT PROCESS THE TOTAL GAP LOSS CLAIM, as identified in their letter to me dated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is a verified complaint concerning Equifax 's erroneous credit report. i : reported to Equifax, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Equifax, Equifax wrote back to me in letter date XX/XX/2019, under report number XXXX, that the bankruptcy reports were obtained from XXXX XXXX   which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Equifax, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Equifax to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Equifax and its Co Parties Agent ( s ) Principle ( s ).
Product: Mortgage

I reviewed my Consumer Reports and notice that i had two late payments on an account that I have never been late for Consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account. 

Please investigate and provide proof with statements showing these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks Had autopay set up on account and changed account in XX/XX/year> and again in XX/XX/year> that was out of my control due to banking issues and account changes. 

I paid the balance, and accounts are current and have been current to date.
Product: Vehicle loan or lease

Attempted to contact company several times and have not received a response from anyone. 
Company : XXXX XXXX was acquired by XXXX XXXX. Neither company is helping us to get a lien release for a vehicle that's been paid off for over 20 years.