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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my credit report listing the following items I disputed. I have requested for several months Experian to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Experian has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB. Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 10 % correct. In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously notified I am a victim of identity theft, I am not a credit repair company I am a person
Product: Credit reporting

Experien credit bural never did anything about my complaint, They have me down as past name XXXX XXXX? that has never been my last name I asked them 12 times in 2 yrs to fix it and they refuse. 
They also have me down at XXXX address on XXXX in XXXX ill XXXX and XXXX I never lived their or any address on washtenaw and they refuse to take in correct address off. they also have me at a address in XXXX ill? never live in XXXX and i asked them to take it off. they got mad at me so now they block me from dispputting online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit card or prepaid card

For a couple of years I 've been able to exceed the max balance by {$2000.00} as long as the entire over limit balance is paid each statement. On either  XX/XX/XXXX  o r  XX/XX/XXXX  , I thawed my credit to apply for a personal loan with them which was declined. The main weighted reason for the decline was derogatory public information. I did n't know what this was so I checked my credit and there is a medical debt collections account for {$350.00}. Well, I had no knowledge of this debt and I 'm working to get it removed. I have received no written notice of debt and no one has contacted me regarding it  (  even from whatever the original company was  ) , it just showed up. Well, my card was over the limit ( but still within the grace period ) and they started declining charges a week later. When I called them they would n't acknowledge a grace period, would n't acknowledge a set grace limit ( which I had been told was {$2000.00} for me  XXXX .   I feel they are using the untrue collection information they obtained in the personal loan application ( through that credit pull ) and are using it against me on the credit card I have had in good standing for over 10 years.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Equifax Missing Credit File and Inconsistent Reporting Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against Equifax regarding the disappearance of my credit file and their contradictory handling of my credit history. 

As of XX/XX/year>, I discovered that Equifax had lost my credit file. I have been unable to access my report through their website, the free annual credit report service, or by speaking with their representatives. Each time I contacted Equifax, I was told that my credit file could not be located. Despite multiple requests for an internal review, Equifax was unable to retrieve my records. 

Due to the lack of resolution, I escalated the matter by filing a complaint with the CFPB. In response, Equifax stated that I have never had a credit history with them and that they can not locate my file. However, this claim is inconsistent with my prior interactions with Equifax. I have engaged in numerous disputes with them regarding fraudulent activity on my credit profile, and I have documentation to support this. 

I have attached letters from Equifax in which they claim I have never had a credit profile, alongside verification letters issued after my file went missing. These verification letters confirm that Equifax processed account verifications despite claiming that my credit file does not exist. This raises serious concerns about the accuracy and integrity of Equifaxs credit reporting practices.

Equifaxs mishandling of my credit file has caused significant harm, including the inability to monitor my credit, dispute fraudulent activity, and access financial services. I am requesting the CFPB to take immediate action to investigate Equifaxs failure to maintain accurate consumer records and to hold them accountable for these discrepancies.

I appreciate your prompt attention to this matter and look forward to your guidance on how to proceed. Please do not hesitate to contact me should you require any additional information. 

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

Transunion, XXXX XXXX XXXX XXXX are reporting several late payments that are not correct neither consumer agency can lawfully verify any late payment because it would be a violation of my privacy rights. XXXX Account # XXXX should be updated immediately. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company, and I have a copy of the return receipt and tracking numbers. 

Tracking number for 1st letter : XXXX XXXX Tracking number for 2nd letter : XXXX XXXX
Product: Credit card or prepaid card

This happened last year but im just finding out I can submit a complaint. I purchased a sneaker from a company called XXXX XXXX. They would do pre-orders on shoes. Ive been using them for quite some time but we found out they were running a scam and the owner fled the country after a warrent. This left thousands of customers without money. I disputed with both Paypal and my credit card company XXXX Paypal claims that im a " reseller ''. They started marking everyone as a reseller so they didnt have to pay people back. anyone who knows me knows I'm someone who buys shoes to wear. If I was a reseller i wouldve purcahsed multiple pairs and not one. Sadly paypal told me if I dispute with my credit card company they cant help me. After waiting 5 months for a resolution, They denied me as a reseller. I went to my credit card company after but they said they cant disput anything after 180 days so I was left without {$220.00}. It wasnt much, but I paid for an item i didnt get and neither paypal or my credit card backed me. Paypal claims to back its users but this was not the case.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have many inquiries that I have not authorized and I need help to resolve this, these are the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 700 creditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have not authorized these inquiries and I need this error to be corrected. I have already made an FTC report, and I am leaving it attached here, hoping that they can remove these inquiries that have been made without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I was unable to locate a toll free number to contact LexisNexis via their website. According to [ 15 U.S.C 1681 ] 604 ( 5 ) ( B ) Establishment and maintenance as compliance. This section addresses consumer reporting agencies and affiliates compliance with maintaining a toll-free number for consumers to contact. 

Thanks for your attention on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company that never notified me of an alleged debt reported the debt ( {$110.00} ) to the credit reporting agencies. After disputing the report, all of the reporting agencies removed the item from my credit report except for Equifax. Equifax 's investigation process is severely defective : their website is inaccessible ;  they do not answer phone calls ; their investigation took longer than 60 days and then closed with no contact with me. At no point in the several months that I have been trying to get this resolved has anyone even attempted to contact me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from  XXXX   XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parti es you are damaging my reputation and credit worthiness.  <P/> 
Under the FCR   A 15 U.S.C. 1681i, all unver ified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Charge Off : XXXX XXXX XXXX {$4000.00} Inquiries : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX, I became aware that my information was stolen and used to open up multiple fraudulent accounts in my name. I submitted the required documents to place an extended fraud alert on my credit and it appeared on XX/XX/XXXX. I pay a monthly credit monitoring fee of {$24.00} to maintain a credit lock on my credit reports to prevent further fraudulent activity. Next, on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to XXXX  regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$17.00} in mailing services to get this letter to XXXX. I received notification they received the certified packet on XX/XX/XXXX. I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that XXXX had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to XXXX on XX/XX/XXXX tracking number XXXX paying {$15.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on XXXX XXXX end or on my credit reports. Next, I submitted to Experian on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to Experian regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$19.00} in mailing services to get this letter to Experian. I received notification they received the certified packet on XX/XX/XXXX, I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that EXPERIAN had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to Experian on XX/XX/XXXX tracking number XXXX paying {$16.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on Experian 's end or on my credit reports.
Product: Debt collection

I have received at least XXXX calls from this number ( XXXX ) and they have even called my parents. They claim that I owe money on a payday loan that I took out in 2013. I have never taken out a payday loan so this is false. I asked them to send me something in the mail and I will be filing a police report for harassment. They say that their name is High Plane Asset. And that their clients are XXXX and XXXX. I looked XXXX these companies up and there is no contact information for either XXXX of them. In fact XXXX does n't even exist. At least not that I can find. 
This is a disgusting scam to try and scare people into paying them money. They have my social security number and XXXX only knows what other information they have. These people should be prosecuted!
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting

I had a bankruptcy over 7 years ago. All other reporting agencies have removed it from my report. Equifax continues to carry it. There response was that it stays on for 10 years. Nowhere have I read that a personal bankruptcy stays on for 10 years. Why are they the only ones that continue to want to ruin my life. I 've paid for my mistakes and am trying to move forward but they refuse to let my past go. 7 years is n't enough ...
Product: Checking or savings account

Wells Fargo was giving me my social security check early under a two-day you know payday early thing which then they were trying to say my money was there but it wasn't and I didn't have money to cover transactions which through all my transactions off I lost my XXXX XXXX XXXX  phone service because of that you know and then somebody cloned my card and went through {$340.00} at the ATM and also spent {$1300.00} and I filed a claim with with Wells Fargo and 2 minutes after it was filed they denied it and then I filed a complaint with the corporate and they opened it and now they're dragging their feet on giving it back under regulation e and they just denied my the fraudulent ATM charge to give me that money back they initially denied the XXXX claim and then there's you know they returned my XXXX XXXX XXXX payments and I didn't have the money when I did cuz I transferred that out of savings into checking that's why I lost XXXX XXXX XXXX  charge and I just paid my gym membership cuz I'm homeless so I can take a shower on my debit card and they just sent me a note of saying that they returned it even though I use that money for my social security to pay for that this is an ongoing pattern of behavior and I'm entitled to my money back I filed numerous complaints internally with Wells Fargo it either stonewalled played games or outright refuse to give you my money back