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

XXXX XXXX XXXX is reporting that I have two collection accounts with them on my credit report. I initiated a dispute through the 3 credit bureaus on XXXX XXXX, 2017. All of them came back saying XXXX XXXX XXXX verified account. I wrote and faxed a letter directly to XXXX XXXX XXXX asking them to send me proof and verification that I owe this debt and in the amount of which I owe this debt and the information from the original creditor. The mailed back a screenshot of their computer screen which has a name similar to but does not match my name at all and that does not match my address. In addition to I asked for verification that they are allowed to collect on debt in the state of Alabama, which I checked their licensing and they are not. Furthermore, on that screenshot they list XXXX XXXX account yet they have two accounts on my credit report, one for the cable service and another for the cable equipment but they were linked to XXXX XXXX XXXX  account. I sent another letter after they sent this information with my identification and proof of address and asking that they remove the information from my credit report, as per the FCRA inaccurate information can not be reported and the name and address and phone numbers are in fact inaccurate. This has caused me much stress. Please assist if possible
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
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 XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

I am writing to formally lodge a complaint regarding Equifaxs refusal to grant me access to my personal credit report, as required by federal law, despite my provision of a valid government-issued photo ID and Social Security card for identity verification purposes. This denial not only hinders my consumer rights but also potentially violates several key federal laws. 

1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Under the FCRA, consumers are legally entitled to obtain a free annual credit report from each of the three credit reporting agencies ( CRAs ), including Equifax. This right is outlined in Section 612 ( a ) of the FCRA, which mandates that every CRA provide a free copy of the consumers file upon request, subject only to identity verification requirements. Despite my submission of legitimate identification documents, Equifax has failed to provide my credit report, effectively obstructing my lawful right to review my financial information. 

2. Breach of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5481 et seq., The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions and credit reporting agencies. Equifaxs refusal to honor my request and failure to provide a valid reason for the denial constitutes an unfair practice, especially since I have met all reasonable identification verification requirements. This denial limits my ability to manage, monitor, and safeguard my financial health and data security. 

3. Unfair Practices under the Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 ( a ), The FTCA also prohibits unfair or deceptive acts or practices affecting commerce. By blocking access to my credit report despite adequate identification, Equifax has engaged in actions that unreasonably deny me access to information that could impact my financial decision-making.

Immediate Action Requested, I respectfully request that Equifax immediately comply with federal laws and fulfill my request to access my credit file. I also request that the CFPB investigate this matter to prevent further infringements on consumer rights. If Equifax continues to obstruct my access to my credit file, I am prepared to escalate this matter, including filing complaints with the Federal Trade Commission ( FTC ) and potentially seeking further legal recourse to safeguard my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2020 I've sent a letter to Experian requesting a description of the procedure used to determine the accuracy and completeness of the information ( Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ) ) because multiple accounts on my credit file showing incorrect information. 
Experian has not honored my request and instead replied with a statement that my claim will not be investigated. 
It is a clear FCRA violation.
Product: Credit card

This account is closed been closed since XX/XX/2008 and I want this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was NOT authorized. 

BK OF AMER Date of Inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Debt collection

While I made every effort to pay my debts and fulfill my responsibilities, in this instance XXXX XXXX was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " Conns Credit Corp '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via dispute.XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative and told them I did not approve an inquiry and withdrew my application. I don't know if I will need to file a lawsuit in reference to this matter. It showed that I had an excellent score of XXXX prior to the inquiry. Now my score has dropped. I take this very seriously. I did not want this company to pull my credit report. I specifically spoke to a representative and told them this information. They said you can contact them to confirm the application has been withdrawn. I withdrew it almost immediately. The credit application ID # is XXXX with XXXX XXXX XXXX. It appears as the following on XXXX 's website/report. XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023. Also, I noticed several other duplicate inquiries from the same company multiple times on my report. I never applied for a Discover credit card. So why is this on my report several times? I can have an attorney file a complaint in court if needed. I know what inquiries I authorized, and these are not any of them. DISCOVER FINANCIAL S Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/2023. There are many other suspicious inquiries on the report which I will also file a lawsuit about/against if needed. This is very suspicious, and they need to remove this false information or possibly go to court about the matter.
Product: Bank account or service

XXXX of my prepaid debit visa gift card issued by USBank that I bought @ XXXX in XXXX had fraudulent charges in them even though the card was still in the package on the date that those charges occurred. I filed paperwork according to the bank instruction and found out the hard way the wait can take up to 90 days long. The customer service at dispute department is n't helpful either since it 's extremely hard to get a hold of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous report # XXXX against equifax and they have since removed the inquires and updated my credit file per the myequifax.com checked today. I found that things that were previously disputed that were corrected and/or deleted has reappeared due to my complaint. Please have this information to go back to the statuses it was as we have been through this battle before for 2 years. 
1.XXXX  xxxxxxxxxxxx XXXX reappeared showing open and reporting and bad rating on XX/XX/XXXX this was discharged XX/XX/XXXX and should not have been on my profile after that date. 
2.XXXX  XXXX shows a charge off this was paid and the creditors agreed to delete, and it has reappeared with inaccurate information. This was also for a medical debt and was paid. Credit rating is incorrect for the 4th time I am dealing with this. DELETE and keep it deleted 3.XXXX XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 4.XXXX  XXXX  rating is incorrect never been 60 days late remove incorrect history 5.XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 6XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 7.XXXX XXXX  # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 8. XXXX XXXX # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE These items are things that was already disputed and correct the beginning of XXXX and now has reappeared and/or incorrect. Please delete this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from XXXX XXXX XXXX  that stated they do not release any information related to my XXXX 
I then requested that XXXX, XXXX, and Experian reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the XXXX  on my credit report.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
Chapter XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BALANCED {$980.00}
Product: Payday loan, title loan, or personal loan

There was a past due balance of {$94.00} that was paid by my bank caused me to over draft on my XXXX  XXXX XXXX account, I contacted them by email since they dont have a customer service line u can talk to someone. They sent me money bank of {$35.00} for the over draft so my bank still paid that {$94.00}. They are saying its not paid but I had sent them my bank statement of the {$92.00}. And some cents that was paid. They still wont help me solve the issue. Its ridiculous that you cant speak to a live person. I need this cleared from my credit ASAP.
Product: Bank account or service

Back after XXXX/XXXX/XXXX ( XXXX ) I had received an email that I thought it was amazon.com where it looked legit saying that they wanted my name, credit card information and my social security number. Then on XXXX/XXXX/XXXX at exactly XXXX., I had received a fraud alert from Chase Bank saying that there was {$21.00} taken out at a computer software store. So the bank has blocked my credit card for security purposes. Chase Bank had disputed for unauthorized purchases that was not made from me. XXXX of the unauthorized purchases was from XXXX for the amounts of {$20.00} and {$3.00} that was made on XXXX/XXXX/XXXX. XXXX was from XXXX at a computer software store ( unkown merchant and location ) for the amount of {$21.00} that was made on XXXX/XXXX/XXXX ( {$100.00} in total ). Chase Bank had put the unauthorized transactions back into my account where the merchant also put {$56.00} back in my account. Then on XXXX/XXXX/XXXX, Chase Bank " supposedly '' written on emails. Unfortunately, I had a hard time logging on their website which was not there " normal '' Chase Bank website, but there " claims department '' website. Without any warning and and hardly no communication between the merchant, the bank and myself, Chase Bank had the audacity to reverse the credit of the amount of {$56.00} out of my bank account on XXXX/XXXX/XXXX which almost put me in the hole and in the red. I had tried to dispute the bank due to lack of communication within the merchant as well as the bank. So now Chase Bank had penalize me for their mistake for not pinpointing the " mistake '' from the beginning. This was not the Merchant 's falt, but the Chase Bank 's falt and NOT including myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen by XXXX XXXXXXXX XXXX XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX 

I have attached below my reference number for my identity theft FTC report number. 

XXXX has sold nonpublic personal information to several third parties and has furnished unknown & unauthorized debt on my credit report without my Written permission. I have asked XXXX  to provide a valid contract which is, Validation of debtthat is actual accounting, Verification of their claim against me ; that is a signed invoice, and a copy of the contract binding both parties in a letter by certified mail so that their is a witness to it having been delivered. 
However they have only provided a loan verification & truth & lending disclosure. 
I have let XXXX  know that Ive never had any business with them. They have stolen my identity and has failed to provide valid proof as stated above. 

On XX/XX/2022 i spoke with XXXX XXXX XXXX who stated XXXX is our client. Their statement validates that they have stole me identity along with XXXX  XXXX has sold non-public personal information to XXXX XXXX  without my knowledge or written permission. XXXX XXXX XXXX continues to furnish unknown & unauthorized debt on my credit report without my Written permission. I have let them know that Ive never had any business with either XXXX nor XXXX XXXX. XXXX. 
this is a clear violation of my rights. 

XXXX XXXX XXXX XXXX XXXX. Has stole my identity and sold non-public personal information to third parties without my knowledge and written permission. 

These accounts and the credit bureaus also violated my rights under 15 USC 6802. States- NO financial institution is supposed to share my information to third party people. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

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 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

FTC identity theft report # XXXX I have also attached proper documentation to verify my identity. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Product: Checking or savings account

I opened a checking account with CHIME in XXXX XXXX also requested direct deposit so that my social security check would be deposited. 
SS told me it could take up to 2 months for this to begin. I received a loan in XXXX from XXXX in the amt of {$2000.00} which I deposited into my Chime checking. After spending money I recieved a call from chime stating they needed his credentials as they were concerned of my spending habit and asked me to identify myself and the info I provided was incorrect and after several unsuccessful attempts I was advised that unless I provided my credentials info correctly, they would close my acct. Then in XXXX they closed my account, then my first social security check was returned. Since that day I have repeatedly requested my money refund and I keep getting the same form letter from all sont at least 10rts of people they claim to be from member services and i keep getting emails that ask for selfie pic, holding up my ID and ast 4 digits of my SS # I have sent them so many of their requested documents then they request them in XXXX form. So I sent them in that form. Ive had them tell me they were going to call on XXXX different occasions. Ive tried calling on several occassions, only to get no person, i have begged and begged, im so frustrated because i am on social security XXXX and deperately need my money. I gave them an address change with proof but nothing is being accepted. I requested a manager to no avail. They claim to have sent a check in XXXX that was returned. Im just at my wits end. Please help me resolve this matter
Product: Credit reporting or other personal consumer reports

As per 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 trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company Experian. 

ACCOUNTS XXXX  {$730.00} # XXXX XXXX XXXX {$10000.00} # XXXX XXXX XXXX {$7200.00} # XXXX XXXX XXXX {$730.00} # XXXXXXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having the hardest time with Equifax. They are suppressing my credit report by putting a Block on internal Indicators that they use- please see pictures. 

They have blocked my report so that I am UNABLE to view my credit report AND potential lenders are UNABLE to view my credit report. I have called them 14 times within the last week since XX/XX/2022 to resolve this issue. I have also submitted the documents that they requested- see XXXX XXXX XXXX XXXXXXXX. They received the documents and attached them to my Equifax file within their computers. 

On the last two phone calls, I was told that they would remove the blockage and that I should be able to see my credit reports within 24hours. Equifax even gave me a XXXX XXXX XXXXXXXX for " Block Removal on Indicators ''. That confirmation code is suppose to indicate that they have removed the blockage. BUT THEY HAVE NOT REMOVED IT - see pictures. 

I was told to call in and speak to the Office of Consumer Affairs- which I did. They said they had everything they needed and they would remove the blockage. THEY HAVE NOT. I have spoken to the Dispute Department, Fraud Department... 

I have called that number every time I log in and I still have not gotten my credit report to populate and not show a blank report. THIS IS WRONG AND I WANT IT FIXED. Please help. 

That is wrong and it is suppressing me. Equifax is bullying me and hold my financial XXXX XXXX That is illegal. 
WHAT NEEDS TO HAPPEN SO THAT THIS ISSUE CAN BE RESOLVED EQUIFAX????
Product: Mortgage

In XX/XX/2017 my husband had an accident and was unable to work resulting loss of income and unable to pay bills. I sought a loan modification. The whole process took almost 8 months. I was advised not to make a mortgage payment while the bank was making a decision. I fell incredibly behind!!!!! 

I had the loan mod approved and have now made on time payments for 10 months now. I have called and asked as a good faith gesture if the bank would help me out and remove some of the negative payments on my credit report. I have called, emailed and emailed and called again. I was told to dispute with the CRAs which I have and had ZERO resolve. 
Id like Amerihome to look at my account and review as to if any can be removed.