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

I opened this dispute in XX/XX/year>, but it was not reviewed properly or thoroughly by the credit agency. None of my supporting documents or the complaint were considered when updating my credit report. Instead, they simply forwarded my complaint to the bank for their review and response. The agency needs to review the documents I submitted and update my credit report accordingly. 

I am exercising my right under the Fair Credit Reporting Act, Section 611 ( 1 ) ( A ), to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is currently reporting inaccurately : I had a forbearance plan with Planet Home Lending from XX/XX/year> through XX/XX/year> and then a modification trial payment plan for the XX/XX/year>, and it is listed on my monthly statements that have been provided. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate with the provided supporting documents. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to delete all information that are inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 
Please send me an updated credit report within 30 days of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My was broken into and all my personal belongings were stolen. Now someone has been attempting to open accounts in my name. These are inquires that I did not do.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my Credit Report and saw that there was a Fraudulent Collection Account reporting on my XXXX and Equifax Credit reports. This Collection account is being reported by XXXX XXXX XXXX in the amount of {$1600.00}. I filed an FTC Identity Theft Report in which I attached to this CFPB Report. 

XXXX XXXX XXXX Account Opened on XX/XX/2024 Amount : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for Equifax 25 for XXXX and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( Equifax ), 25 ( XXXX ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information  can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called Equifax to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Checking or savings account

Around XX/XX/23 I notified BMO that my daughter 's charges were being debited form my account. The disputed amounts ( sent to BMO ) totaled a few XXXX dollars. I contacted several people but the problem is not fixed. 

It was further complicated by some unrelated problems with a business credit card at BMO.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
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. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item 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. Please update this account : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

m writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : 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 XXXXXX/XX/XXXX
Product: Credit card

I consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED 2 COMPLAINTS PRIOR TO THIS ONE. I AM A VICTIM OF THE INQUIRY ISSUE WITH TRANSUNION. AND ASLO IDENTITY THEFT. OVER THE PAST 4 YEARS MY CREDIT PROFILE AS BEEN A LIVING NIGHTMARE. FROM SOMEONE USING MY IDENTITY IN A DIFFERENT STATE TO NOW I HAVE SEVERAL UNAUTHORIZED INQUIRIES THAT I DID NOT REQUEST I HAVE SENT CERTIFIED DOCUMENTATION TO EACH COMPANY ASKING FOR PROOF OF INQUIRY AS OF TODAY NO RESPONSE FROM MY CERTIFIED LETTERS TO THE FOLLOWING CREDITORERS :   XXXX   XXXX   XXXX   XX/XX/XXXX  - XX/XX/XXXX   XXXX  -- - XX/XX/XXXX    XXXX   XXXX   -- - XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX
Product: Debt collection

OCWEN bank claimed to represent a bank that folded and could n't provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting

Incorrect information of my credit report and fraudulent accounts open in my name.
Product: Mortgage

I was told by ditech corporation in XXXX that lf I ordered an appraisal and I have 80 % loan to equity my mortgage servicer would be able to remove the pmi on my loan. I did as requested and they sent an appraiser 5 months later. The appraisal came back away 79 % loan to value, below the threshold and the company refuses to remove the pmi. Further I called XXXX XXXX, the agency that owns my loan and they told me I netf 78 % equity but ditech claims I need 75 %. They are acting in bad faith.
Product: Checking or savings account

I noticed that I was being charged over draft fees with Navy Federal Computer automated service moving my money without my knowledge then charging me over draft fees to bring my account back positive.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have noticed a number of hard inquiries on my consumer credit report that I do not recognize nor have I authorized. I am disputing these inquiries and requesting these be removed immediately. I have filed an FTC report ( attached ) and need this expedited as it is impacting both my personal and business financial capabilities. I have listed additional disputes on the FTC report that are specific to four creditors and fraudulent, unauthorized charges. Details are below for reference : In XX/XX/year> I noticed fraudulent activity on my personal credit card with Bank of America. The amount of the fraudulent charges applied to my account totaled {$31000.00}. I disputed the unauthorized activity in the following months with the bank and requested verification of this transaction, however, this was done over the phone and not in writing. The card was closed in late XXXX, early XXXX. The debt eventually was deemed a Charge Off by the creditor after 120+ days of non-payment as I disputed the balance. 

In XX/XX/year> I noticed additional fraudulent activity on my personal credit card with XXXX. The amount of the fraudulent charges applied to my account was {$15000.00}, I believe my entire credit limit at the time. Due to having a previous balance, this charge exceeded my existing balance by double causing my monthly payments to be unattainable. I disputed the unauthorized activity with the bank and requested verification of the transactions, to no avail. The bank stated the charge was authorized but failed to provide any supporting documentation or evidence. The card was eventually closed also in late XXXX, early XXXX. 

In XX/XX/year> I noticed fraudulent activity on my personal credit card with XXXX. The amount of the fraudulent charges was {$5700.00}. The dispute for this account did not start until XX/XX/year>. The charges put this card over its available limit, and I was unable to make even the minimum monthly payments. I disputed this also with the creditor asking to verify the nature of these unauthorized charges, and no verification was ever provided. The card was subsequently closed due to non-payment. 

And again in XX/XX/year> I first noticed fraudulent activity on my personal credit card with XXXX XXXX totaling {$4900.00}. XXXX XXXX is my primary bank where all of my business and savings accounts are and so I could not afford for this account to be compromised. With all of the mounting debts above I unfortunately was not able to continue the payments on this card causing it to be closed after 4 months of continuous non-payment.
Product: Debt collection

On XXXX  I did a dispute with i.c. systems through the cfpb report no. XXXX they have removed the debt from my consumer report i.c. systems continues to harass me over an alleged debt that is not mines. I.c systems willfully reinserted this account to my consumer report on XX/XX/XXXX this item has been resolved on XXXX  it is illegal to reinsert a negative item on my consumer report i.c. systems has not sent me any validation of the alleged account or contacted me about reinserting this account back on my consumer report. This has brought my score down tremendously and I am suffering from this item being on my consumer reports. This is considered double jeopardy and it is illegal.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent proceeding ( File No. XXXX ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identifying information may have been mishandled by Equifax during the Equifax leaks of XXXX to XXXX of 2017. Upon submitting an inquiry through their official website, Equifax was unable to deny mishandling my personal information or credit history.
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( a ) ( 6 ) ( III ) I disputed this unauthorized identity theft account XX/XX/year> and for this reason. XXXXXXXX XXXX claim they completed this investigation in two days which was from XX/XX/year> to XX/XX/year>. I am requesting a full description of your procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did XXXX XXXX XXXX regarding this fraudulent? How did you come to this determination? Proof of a photo identification driving license, identification card, or other government issued cards that was presented at the time this fraudulent account was open. 

XXXX XXXX XXXX
Product: Debt collection

My personal information was breached in 2015 and has resulted in it being posted on the XXXX XXXX XXXX XXXX List. Several credit cards were taken out in my name with XXXX XXXX XXXX and XXXX XXXX XXXX. I have contacted the original and current debt owners ( Portfolio Recovery ), ( XXXX XXXX XXXX ) and reported it as fraud but they refuse to remove from my credit report and keep selling the debt to new creditors.
Product: Checking or savings account

I overdraft my account on by one transaction on Sunday XXXX for about {$300.00}, I came into the branch ( XXXX ) ATM to pay it back plus a one of {$35.00} fee. I had been charged 3 fees by Rockland trust. which is not what I should had been charged. I deposit {$390.00}, which in real life that would had brought my account in good standing, however I was unable to pay the extra unwarranted fees which triggered another fee for negative balance fee of {$35.00}. They claim I swiped my card two times after the overdraft which is not the case. They placed transactions in a non chronological order to make more profit off my one fee that was owed. Out of the 4 fees which total {$140.00} 2 fees were refunded, and I am owed one more fee for this matter. 

On XX/XX/XXXX hit me another retroactive uncollected charge And on XX/XX/XXXX they just decided to go retroactive and hit me with another uncollected charge I am owed 3, {$35.00} fees for a total for {$100.00}. 


Thanks XXXX
Product: Debt collection

I receive XXXX to 3 calls daily for months from Pioneer Debt collectors, who appear to be pursuing another party with the same last name. Different first, middle names, but not me, and not my phone number. I have NO debts. Their constant harassment must stop.
Product: Payday loan

I went to ACE Cash Express, and for the loan amount it quadrupled. I am a XXXX vet with XXXX, and I am a dislocated worker when I made arrangements to pay the account got moved to a debt collector. I am dealing with someone named national credit.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681c ( a ) ( 4 ), accounts that have been closed and have no bearing on my creditworthiness should not remain on my credit report beyond the allowed time frame. The following accounts meet these criteria and should be removed : XXXX XXXX XXXX {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Refuse to update my Credit file to XXXX  XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX  XXXX they stated we receive but will not update also XXXX XXXX will not update my file also to XXXX XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy
Product: Vehicle loan or lease

Voluntarily surrendered a vehicle XXXX XXXX XXXX XXXX XXXX  I paid a balance up front but was never provided any additional details on a remaining balance. I was just recently informed that they have been reporting late payments for over 5 years but wont provide any details to me Ive attempted to reach supervisors XXXX have had no luck getting any information.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report under 15 USC 16c-2. The inquiries were not authorized by me, and they're damaging my credit. I request the removal of these inquiries. Thank you!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding inaccurate information on my Experian credit report. On XXXX XXXX XXXX, I contacted Experian to dispute the following discrepancies, but as of the current date, I have not received a response from them. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information : The following account was never late : Creditor : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$210.00} Not My Account : The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Original Creditor : XXXX
Product: Debt collection

Upon checking my credit report on XXXX i noticed a debt collection on my account i dont know who this company is nor have i signed any contract with them
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
Product: Payday loan, title loan, or personal loan

I have a personal loan with Avant. I have agreed to a scheduled once monthly automatic payment on the XXXX of each month. For XXXX, the XXXX was on a weekend, so the payment moved to the XXXX or XXXX. That payment bounced back from my bank, so I scheduled a payment for Monday XX/XX/XXXX. Today, XX/XX/XXXX, that scheduled payment AND an unauthorized automatic payment were taken out of my account, causing my account to overdraft. After being notified by my bank, I reached out to Avant to have one of the payments refunded and asked why payment that was scheduled for the XXXX was taken out a day early. The representative was not able to explain why the payment was taken out a day early, and advised that it would take 2 to 3 weeks for the refund to hit my account. This is a {$780.00} refund owed to me, and that is a massive amount of money for my family. This is their error, and a delay that long is unacceptable. I asked to speak to a supervisor repeatedly, and was repeatedly told a supervisor was not available to hear from me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without proper reinvestigation, as required by law.

I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts.

Written documentation of the verification methods used.

Immediate correction or deletion of any unverifiable or inaccurate information.

Experian 's neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress. 

Thank you for your attention to this matter