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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$540.00} -Late/Closed Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; Experian - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; Experian- XXXX XXXX XXXX XX/XX/XXXX ; Experian - XXXX XXXX XXXX XX/XX/XXXX ; Experian - XXXX : XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian & XXXX
Product: Debt collection

ACCORDING TO THIS UNKNOW DEBT COLLECTION ACCOUNT THAT IS IDENTITY THEFT, THIS ACCOUNT HAS NO RIGHT OF REPORTING THIS UNAUTHORIZED ACCOUNT ON MY CREDIT, UNDER THE FCRA 605B ( 15 U.S.C S 1681C-2 ) THIS ACCOUNT SHOULD BE BLOCK FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS.I WANT PROOF OF THIS CONTRACT WITH MY SIGNATURE, I ASK FOR THIS COMPANY JEFFERSON CAPITAL TO DELETED THIS OFF MY CREDIT REPORT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing unauthorized inquiries on my consumer report with your agency for months now. I've sent multiple FTC reports informing the agency that they furnished my consumer report without my consent and that they're reporting unauthorized inquiries. Your agency have also been unable to provide the methods of verification or validation that proves I initiated the following inquiries. I was also stated to your agency that I was a victim of the Equifax data breach and still I was unable to get the proper help with my issues so I have to get the CFPB involved. 

1.XXXX Date of inquiry : XX/XX/2021 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 3. XXXX Date of inquiry : XX/XX/2021 4. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 5. XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 XXXX. XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX TXXXX Date of inquiry : XX/XX/2021 8. XXXX Date of inquiry : XX/XX/2021
Product: Checking or savings account

I signed up for an checking account with Bank of the West  XXXX XXXX due to a promotional offer of {$250.00} if I performed DD for three months totalling at least {$1000.00} per month. I opened the account on XX/XX/XXXX. 

After the three months had passed ( end of XX/XX/XXXX ) I received no bonus. On XX/XX/XXXX I contacted the bank and asked them when they would pay out. They said to wait till end of XXXX. End of XXXX came and went and still no bonus. Again I asked them when I would get the offer. This time they said I did not meet the requirements since my account balance was {$0.00} on a specific day XX/XX/XXXX. Note this isn't in the promotional three month period and when I asked if I had met all qualifications no indications were given by any customer service rep that I had to have a nonzero balance on a specific day after the promotional period ended. 

The bank has acted in bad faith and has unfairly taking advantage.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the XXXX  XXXX account ( Account Number : XXXX ). Despite my initial dispute, I have yet to see a resolution from your bureau, while both XXXX and XXXX have already addressed this issue by updating the account to reflect its accurate status as a closed and positive account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX  has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX  has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.
Product: Debt collection

I have a debt collection letter from MRS BPO , LLC for {$110.00} for XXXX. 

1 ) I logged into XXXX and currently have a positive balance. 
2 ) I do not recognize this debt. 
3 ) I can not actually log-in to MRS BPO , LLC. I have tried the letter ID they gave me. I have tried last name, and last 4. Nothing has worked. 
4 ) The website references a page with a signature, I think I've only received the 2nd page of a correspondence. I believe this is a badly orchestrated scam. 
5 ) Just realized they also sent it to Washington, DE not Washington , DC.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$330.00} reported XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX / XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting

They have my social security last XXXX digits XXXX wrong names listed for me had a fraud alert that I did n't put in I also had tremendous inquiries that I 've asked Equifax to remove and if they do I have to put a grad alert and I DONOT want another fraud alert on my credit they have made a mess of my life
Product: Credit reporting or other personal consumer reports

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The FOLLOWING derogatory accounts allegations are UNVERIFIED, INCORRECT, and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : *XXXX XXXX Account # XXXX account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX and Experian XXXX XXXX. Please DELETE for inaccuracies. 

*CCB/ALPCOS- Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX credit file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX and Experian XXXX file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX ( DEROGATORY ) This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) This account has been paid and on time, has never been late and should not be reporting negatively on my credit file.I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX credit XXXX. Please DELETE for inaccuracies. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXXXXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX XXXX XXXX XXXX and XXXX XXXX. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as XXXX XXXX, and XXXX XXXX, Equifax ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to respectfully handle a few reporting errors with Experian beginning XXXX of XXXX It is now XX/XX/2022 and they have yet to fix the reporting errors. They have tried to respond that the accounts are " verified '' and reporting accurately, however this is not a reporting error from the furnishers. IT IS EXPERIAN THAT IS REPORTING IT INACCURATELY. 

The XXXX accounts are listed below with explanation of what needs updated. 
Ive included all letters Ive sent them as well as a copy of both accounts credit report with the inaccurate items highlighted. 

XXXX- The account status, the payment status, Date last Active, Date of last payment are all inaccurate. 

XXXX The Payment status, last payment and XXXX year history- are incomplete and inaccurate. 

I have sent XXXX letters since XXXX of XXXX This is a violation of FCRA and these accounts need to be corrected immediately.
Product: Credit reporting or other personal consumer reports

( 1 ) Fair and accurate credit reporting is essential to the financial system, according to the FCRA. Inaccurate credit reports cut banking efficiency, and unjust credit reporting undermines public confidence, which is vital to banking. 

Thus, FCRA violations reduce banking efficiency. I control what goes on my consumer report, so this violates my privacy. Identity theft occurs when accounts are reported without my written approval. 

This violates 15 USC 1681b ( 2 ) and 1681c-2. This makes the credit reporting agency liable for negligence and willful noncompliance under 15 U.S. Code 1681n, which permits {$1000.00} per violation for accounts listed without my written agreement.
Product: Credit card or prepaid card

applied for a XXXX XXXX XXXX through Chase. Was told due to bankruptcy 7 years ago, I was denied. Asked to speak to someone to further investigate. Was told bankruptcy again and I called XXXX due to the fact it was 7 years ago. I have a credit card and have charged and paid current over {$300000.00} dollars and my credit is very good. Then was told that it was due to me naming Chase in my bankruptcy 7 years ago. I have my home mortgage through Chase and asked my branch manager where I bank to help and was told Credit Cards is  like their own company and She couldn't help. The great depression of XXXX was caused by the banks, not me. Can Banks be vengeful when issuing Credit?
Product: Vehicle loan or lease

Between XX/XX/XXXX and XX/XX/XXXX I entered into XXXX different financial contracts with some Suncoast credit Union XXXX being a auto finance loan for my business, XXXX being a commercial credit card for my business the other being a revolving loan for my business, I entered all three contracts under the belief that I understood the nature of these contracts. Upon further investigation, I found out that there were certain financial aspects of the said contracts that I did not fully understand because certain financial aspects of said contracts were hidden. Number XXXX full disclosure, I was not actually told that my signature was going to create the credit for these contracts. Number XXXX, I did not understand that the bank brought fourth nothing of value to the table, which means they had no equal consideration. Upon Discovering this information I sent Suncoast credit Union XXXX different affidavits to resend each contract. These affidavits were fully ignored. I have now sent an affidavit of final notice as they have committed fraud in more than XXXX way under the uniform, commercial codes, and statues. They are in dishonor and I ask for the CFPB to help me have them uphold their legal obligations under the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern, I'm writing to dispute the following information XXXX XXXX XXXX reported a New Account to your TransUnion credit file. Source : Trans Union Company : XXXX XXXX XXXXXXXX Address : XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Business Type : XXXX Balance : {$1300.00} supplied BY TRANS UNION currently reported. I do not owe this bill. Trans Union denied access to my personal information from me. Trans Union will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.
Product: Checking or savings account

I am a victim of scam to purchase a puppy where I paid {$300.00} for a puppy and I never received the puppy. I used XXXX through 5th Third for the transaction and XXXX and XXXX are stating that they can not refund the money because they can not get the money from the person the money was sent to. XXXX  had returned the funds and then without notice to withdrew the funds from my account. My case number with XXXX is Case XXXX. 

On XX/XX/XXXX I was in contact with XXXXXXXX XXXX  on XXXX who stated they were in XXXX and had these cute little puppies. They had sent pictures. I picked a puppy and sent them a {$300.00} deposit. Once I started to ask if my friend that lives in XXXX could come see the puppy, things went a different way and I realized that I had been scammed. I immediately called my bank and told them that I had been scammed. The opened a case. After 10 days they had returned the {$300.00} to me. On XX/XX/XXXX the withdrew the money from me with no notification. When I called they stated that XXXX could not get the money from the scammer so since I approved the transaction they had to withdraw the money from me. 

I then tried to contact the scammer and it was a XXXX number and also their XXXX  page has been closed. They did text me but of course no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the ftc violation sent to capital one and XXXX  still showing up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax started reporting inquiries that I hadn't authorized from multiple entities. I reached out to equifax multiple times via phone to remove these inquiries and got no help. I, also, furnished them the information that was asked of me to get these inquiries removed. Upon calling them after this, I was told they would not be able to help. I recently sent a certified mail to Equifax regarding these inquiries and stated the US Code that mandates that all unauthorized inquiries be removed, to include the inquiries at hand. The certified mail receipt shows that the mail arrived at XXXX  XXXX  in XXXX GA XXXX XXXX XXXX.
Product: Debt collection

" A Quote From Original Doc '' I recently received communication from Cravwford & von Keller LLC on the behalf of an alleged debt from XXXX XXXX XXXX XXXX attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. Further more pursuant 15 U.S.C 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. You have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. Further More You are attempting to collect an alleged debt where the so called original creditor has falsely represented the character and other Violations under 15 U.S.C 1692 e that you are implementing yourself in..
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have been trying to freeze my credit due to the XXXX breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.