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

XXXX writing your agency because these companies are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency.

these negative inaccurate accounts have already been deleted and i would like it to stay that way, i have kids and need good credit. 


XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 




XXXX XXXX XXXX - XXXX - Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 



XXXX XXXX XXXX - XXXX - Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Me and my wife tried to cancel a dispute that was submitted to equifax on XX/XX/XXXX. When we called the customer service department on XX/XX/XXXXa woman taking my information was very rude to me and said that my dispute could not be canceled. Because she could not verify my identity, after I answered her questions all correctly as they were asked. The reason why I wanted to cancel was that the dispute that I submitted was researched by me further and I found that the creditor was right and I was incorrect about a payment that I had missed on XX/XX/XXXX. However that was not the only reason why I wanted to cancel, you see me and my wife just recently got kinship care of our Grandson and we have to provide a bigger home for him. We were told by our mortgage loan officer that if we have a dispute on our report then it could hurt our chances of getting a mortgage. When we explained our urgency about this to equifax they said that we still could not cancel the dispute. I ask to speak with the supervisor ( Brian ) and he was just as rude and playing games with me such as saying when were you born in XX/XX/XXXX? I explained how important it was for us to get this canceled and he still would not work with me. Then I was blocked from the status page and could not find anyway to file a grievance online with them. I was treated horribly as well as my wife. Can you please help me with this issue? People should not have to go through something like this when it is their choice to cancel a dispute. And yes it is noted on my report that a reinvestigation was in progress after we ask them not to.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

MOHELA engages in call deflection which is what they call their deliberate strategy to make sure it is difficult to speak to a real human being. They design their system to trap you in doom loops and force you to wait on hold for hours before speaking to someone. If you do end up speaking to someone, they often give false and misleading information with no written records of the conversation to prove that you were just following their bad advice.
Product: Debt collection

Received medical treatment at XXXX XXXX Medical Center in XXXX, Idaho. Used a Veterans Administration Patient Card. Assumed VA paid the bill. Now getting served with papers from Medical Recovery Services with 20 days to respond. Papers are dated XXXX. XXXX, 2016 brought to my door on XXXX XXXX, 2016 at XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report the following inquiry continues to be reporting improperly and in correct. PLEASE DELETE AND REMOVE XXXX XXXX DATE : XX/XX/2023
Product: Checking or savings account

I had an account back in XXXX  with chase. I deposit a check and then later closed my account.
Product: Credit card

Hello, I applied for the Best Buy credit card issue by Citibank a couple weeks ago.

My credit score is decent in the low 700s no negative items.

Citibank declined my application and the only reason they give me was that I have collections on my credit report which is not true but they approved me for account call progressive leasing which is not what I want. 
Last week my wife applied for the Best Buy card her credit is very good in the XXXX no negative items either, she was declined with the same reason and approved for the same program progressive leasing. 
We both had in the past rough times but who hasn't, I'm talking about 10, 15 years ago maybe more. 
We have been approved for XXXX, XXXX, XXXX and XXXX. 
We don't have a lot of debt the only big item is our home. 
XXXX car loan with XXXX payments left. 
We open a business this year. 
We still have our jobs. 
I don't know if Best Buy or Citibank prefer approve consumers with a leasing program maybe because they make more money that way but I don't think is right. 
I am bring this to your attention to see if another consumer are having the same issue. 
thank you for your time.
Product: Credit card or prepaid card

I don't really like how this page is designed, they don't give me many options. My complaint is specifically with Wells Fargo, I just discovered that they are stealing money from me, not only through credit but also through debit. 
A few days ago, I owed XXXX dollars, I paid XXXX, I only owed XXXX, because now I have a debt of XXXX. I also had problems with some airlines, unsuccessfully requesting their help, and nothing. 
I want a complete review of my account and if this matter is not with you then I ask you to direct me to the appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND THIS ACCOUNT ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THAT FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT AS SOON AS XXXX XX/XX/year>. AND I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND UTILITY BILL.

POSIBLE.

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to pull all three of my annual credit reports on XXXX, they all yielded errors. When I tried to pull Equifax and XXXX, their site said an internal error had occurred and to try again later. 

XXXX  said something to the effect of " a condition exists that prohibits us from giving you your credit file online ''.

When I retried a week layer ( as is permitted under the new law to due with COVID-19 ), the website continues to tell me that i've already retrieved my annual credit reports " for this year '' and to come back next year.

There's a number of problems with that. As there is no way to contact XXXX ( other than to give feedback -- they say not to give phone/email/personal info, as they have no way of responding and will not respond ), I see no choice but to file a complaint with the CFPB.

Please assist me in sorting out the problems with XXXX.

Why does their system not let me retry when there was an error on THEIR side? I understand that the XXXX  situation was perhaps out  of their control ... but the problem with XXXX  and Equifax was *clearly* state to be an " internal '' error and to retry later. ( What does " later '' mean, if not right away or 7 days later? ) They do not appear to be aware of this issue with pulling credit reports. Ostensibly, they're still under the impression that I can only get them once per annum, but ( a )  that's not correct and ( b ) law permits me to get it weekly.
Product: Debt collection

I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with I have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion about the identity theft & their response is the information has been verified. This dates back to XX/XX/2022 2022
Product: Debt collection

Dont no this creditor or had any communication with this company information is wrong put a bill on my credit that I never had fraudulent information on my Experian credit report XXXX XXXX {$510.00} asked company to remove it fraudulent information XXXX XXXXXXXX XXXX do not exist anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX XXXX on XX/XX/XXXX22. 
I followed up with a phone call on XX/XX/XXXX22 to attempt to speak to someone regarding late fees due to COVID and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that XXXX XXXX does not have interest in addressing the COVID late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Despite numerous deletions addressing the improper use of my credit report through dispute resolutions and other measures spanning from 2020 to the present, the persisting issue raises concerns under 12 CFR 1022.3 Definitions, where " Identity theft '' is defined as a fraud committed or attempted using someone else 's identifying information without authority. Any addition to my report without written consent could be deemed a form of Identity theft. This not only poses a threat to my consumer identity but also detrimentally impacts my creditworthiness, causing adverse consequences that extend to various aspects of my life. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies must carry out their significant responsibilities with equity, impartiality, and a regard for the consumer 's privacy rights. The entities in question, namely XXXX, XXXX, and Experian, function as consumer reporting agencies, with me being the concerned Consumer. I hold the right to ensure the confidentiality of my personal information, as supported by 15 USC 6801, which articulates Congress 's stance on financial institutions ' obligation to uphold customer privacy. 

Under 15 USC 1681 section 604 a section 2, it is specified that a consumer reporting agency may only furnish a consumer report based on the explicit written instructions of the related consumer. I wish to assert that neither the financial institution ( Furnisher of information to credit agencies ) nor the Consumer reporting agencies XXXX, XXXX, and Experian possess my consent for such information sharing, verbal, non-verbal, written, implied, or otherwise. All forms of consent to XXXX, XXXX, Experian, and ( Furnisher of information to credit agencies ) are hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of the nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) failed to apprise me of my right to exercise this nondisclosure option. Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a report without the consumer 's permission. The inclusion of such adverse information without my consent violates the law. 
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, furnishing inaccurate information to a consumer reporting agency is strictly prohibited. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies like XXXX, XXXX, and Experian to maintain reasonable procedures to avoid violations. It is evident that these agencies are not adhering to reasonable procedures. 

Finally, in accordance with 12 CFR 1016.7, I assert my right to opt out of your reporting services at any time.
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 USC 1681. 

XXXX, XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
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 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
Product: Debt collection

I was issued wage garnishment on XX/XX/XXXX by Crown Asset Mgmt LLC for 25 % of my wages on a debt that isn't mine. When I tried to contact the company, they didn't even have any of my current info, I had to give it to them to get the info on my debt. Then I was told that I was supposedly served court documents in XXXX at an address that I was no longer residing at. I have been at my current address for 3 years. They could not tell me who they served the court documents to. I never once received any letters, or phone calls. No attempts to contact me directly at all. This debt has never shown up on my credit. By the time I found out about the garnishment, it had already gone through, and they have started taking the 25 % starting XX/XX/XXXX. How is this legal and how can I stop this and get my money back?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not duplicate complaint and I represent myself by myself. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX XXXX Auto Loans XXXX XXXX XXXX XXXX  Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Loans XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans XXXX XXXX XXXX XXXX Auto Dealers, XXXX XXXX XXXX XXXX Auto Loans XXXX XXXX XXXX  Auto Financing XX/XX/ Please remove fraudulent items from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a car loan from USAA in 2016. I requested and was informed that I'd be enrolled in USAAs automatic payment withdrawal program. A few months pass by and I was informed by USAA that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to USAA and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this matter.