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

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX office XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$3500.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$9.00} XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$680.00} Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Account charged off FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok Trans union XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX ( XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my most recent copy of my credit report, as of XX/XX/2019 I noticed that all of my Open credit  cards accounts that are in " good standings '' have been deleted from my credit file report. The following accounts have been deleted without my permission : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX 3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX 5. ) XXXX XXXX  XXXX XXXX CO 6. ) XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX  XXXX 9. ) XXXX XXXX XXXX 10. ) XXXX XXXX  XXXX 11. ) XXXX XXXX XXXX 12. ) XXXX XXXX XXXX 13. ) XXXX XXXX XXXX 14. ) XXXX XXXX XXXX 15. ) XXXX
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, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Experian, XXXX  and XXXX  has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showinging collection agency Credit Service reporting I owe XXXX XXXX XXXX. I nevero opened or had an account for such services in Texas. I never had or did business with either of these companies
Product: Debt collection

Several weeks ago XXXX XXXX called and stated they were calling to collect a debt on one of my credit cards. I told them I was in debt consolidation. After that and up to this date ( XX/XX/18 ) this company called ( name appeared on my phone screen with their phone number of XXXX ) every day at least 5 to 10 times, each time phone rang and I answered and they immediately hung up. No person talked and the phone call was then disconnected. 

Tried to call them back at the number displayed and was told it was not a working number.
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 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  I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

DISCOVER FIN SVCS LLC acount # XXXX XX/XX/2016 {$1300.00} This account was closed and paid still in my report as a debt .... please invest immediately. Correct my report and eliminate all negative information
Product: Credit card

Every month since I opened my Apple Card account in XXXXXXXX XXXX XXXX, I receive an XXXX notification that payment is due, and every month I have responded and paid in full and on time. Yesterday was XX/XX/XXXX, and payment was due, but I did not receive any notification. I had not changed any settings. I realized it this morning ( XXXX ) and paid the card in full and asked to waive charges ( interest ) related to the several hours between when payment was due and when I paid in full - because they had neglected to send the notification that I had come to rely on. They said I should have known it was due and they have no obligation to send the notification. That may be true, but I was lulled into a sense of dependence on the notification - I feel they may have not sent them this month on purpose and maybe to many customers, perhaps because Goldman Sachs is getting out of the Apple Card business, they want to trick customers into paying a lot of interest. I wanted to bring it up with you in case you get many complaints.
Product: Prepaid card

i need my funds somebody is hacking all my information and these people is not giving my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/year> Experian Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian : I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being reported by conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor. 

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX XXXX has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. XXXX XXXX has also stated that the said account ( XXXX XXXX XXXXXXXX XXXX was deleted from my credit report but, it is still on there. I then tried to dispute it again and they say the information was verified as accurate but, provided no evidence to support that outcome.
Product: Checking or savings account

To Whom It May Concerned : A : On XX/XX/2020, I received letter notifying me that my checking account at US Bank was cleared. The letter stated that ChexSystems @ would be contacted. 
B : On XX/XX/2020, I paid XXXX XXXX XXXX a cashier check of {$140.00} to complete any penalties on my checking account. 

C : On XX/XX/2020. my application at XXXX XXXX for a new checking account was denied, because XXXX @ hasn't cleared my status. 

1. ) Therefore, could you please expediate the updating of this information on XXXX @, so I can open up a checking account ASAP. 
2, ) Could you send me the results 3, ) To Both : XXXX or XXXX 3., ) My Name Is : See attached pdf files for confirmation of payments and clearance of my accounts. 
Please expediate any other issues that you may find. 
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not do a proper investigation I demand proof that these counts are indeed accurate according to fcra compliance. 



Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
Police and fire Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Account XXXX Police and fire Account # XXXX XXXX XXXX XXXX / XXXX Account # XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

Complaint against : Wells Fargo Dealer Services XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX/XXXX/XXXX I had a bank issued Insurance on my truck right after I became sick and XXXX dropped me. Wells Fargo Dealer Services then set up vehicle insurance with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX ( see attached PDF ) that was back dated to when I lost my Insurance XXXX/XXXX/XXXX for {$110.00} a month. Never missed a payment, never had a problem. No notices nothing. 
On XXXX XXXX was able to get XXXX XXXX and at a better rate. I secured the required Insurance has stated in the agreement from the XXXX XXXX XXXX. 
The remaining payment of {$340.00} was issued on XXXX XXXX XXXX and Wells Fargo Dealer Services posted it to the Principle of loan for the truck, this was not correct the amount should go to the payment as it has been for the past 8 months. My wife XXXX and I called on XXXX XXXX XXXX and asked the amount to be posted to the payment and not the principle, now XXXX agents and XXXX supervisors agreed that the amount can be transferred and at that point we asked what was the balance needing to paid, we were told XXXX would be the difference and we paid that amount. 
XXXX XXXX XXXX my wife checked our credit report and Wells Fargo had my loan 30 days late for {$340.00} this is the credit they received from the Insurance and had agreed to post it to the payment on the account which was never done. The reasons started flying. 1st Reason : There was a lapse! A lapse in what? We never received any notification of a lapse or missed payment the insurance was back dated to the time of the loss XXXX/XXXX/XXXX, which has nothing to do with the posting of the monies in the correct manner. 2nd Reason : As told to me by XXXX a lead supervisor " The {$110.00} is a penalty payment for not having insurance and the car can not be driven '' The copy of the enclosed Insurance documents does not make that statement in fact it has something total contrary to his remark. And the 3rd reason is because we owe XXXX different amounts ranging from XXXX to XXXX. None of these reasons is a reason to not post the monies in the correct manner as promised XXXX times and that has been done the last 8 months. 
We were never late on any payment more than 30 days and the enclosure # XXXX shows the payment history. This also shows the posting time for the {$340.00} XXXX XXXX and the {$140.00} paid on XXXX XXXX as agreed the total is {$480.00} the total truck payment, minus . XXXX for which no one can seem to find. Wells Fargo reported the same amount they received on XXXX XXXX XXXX as 30 days late but that can not be since the payment is due on XXXX XXXX XXXX, which means both amounts where posted well before the due date, and wells fargo deliberately held the process to intentionally ruin my credit history and to seek double payment. The payment has posted correctly for the past 8 months but since I have no need their high insurance they created a lie and punished me for finding better insurance. 
I wish to have my payment to post correctly and the 30 days late removed from my credit report. 
Thank you for your time on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX  XXXX XXXX  date open XX/XX/2017 Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Equifax have done two investigation with the OAG child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. XXXX/Equifax has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.
Product: Checking or savings account

I had recently opened an account with chime bank and then opened a credit builder account money was taken from my checking account and put into that credit builder account but was not spent and nobody will show me where that money went and will not send me a statement showing where the money is in the credit builder one person said they were going to mail me a check for the remainder that was in my credit builder account and another person said I had no money in there I cant get a direct answer from anybody nor can I get any kind of statement showing where my money went this started on XX/XX/2022 2022