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

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Debt collection

Good morning, I have loan with Goldman Sachs Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship Golden Sachs turned my case to Lawyer XXXX XXXX XXXX, XXXX. XXXX filed my case into District court. While court is handling case lawyer XXXX & XXXX kept bullying, lies and has been harassing me which affects my job and health. I have been XXXX XXXX XXXX and XXXX XXXX. Due to covid hard ship, being as a single mother this is placed additional stress on me. I tried to make financial arrangements with Gold Sachs, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX  XXXX  XXXX  # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just need help all the way around nobody believes me that stuff is not me
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES were not authorized. Please remove it immediately I understand that Hipaa does allow for limited information. and I didnt give anyone permission to run my credit. Please provide a copy of my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Experian refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Experian Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 of 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

I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft. I have inaccurate debts on my credit that I have never heard of or signed for. I have spent the past 2 weeks tracking down this debt as to everyone keeps saying they dont have it but when I dispute it it some hows magically keep reappearing. Please remove this debt from my account as it is not mines and it is effecting my credit.
Product: Mortgage

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i reached out to XXXX, XXXX  and Equifax regarding some unauthorized inquiries that i found on my report that they are publishing. I submitted an FTC Report and an identity theft affidavit which i got notarized. These unauthorized inquires are still showing on my report and they haven't been blocked or removed even after i said they are unauthorized and un permissible by me.
Product: Debt collection

I received a form XXXX XXXX identified as credit card debt. The dollar amount listed on the form as amount of debt discharged is {$1900.00}. The date of discharge is listed as XX/XX/XXXX. 
However, my last payment on this credit card was XX/XX/XXXX ( per my XXXX credit report ), and I have always lived in California. 
I called the issuer of the XXXX ( Discover Bank ) and requested that the XXXX be corrected ( deleted ). I called Discover Bank today ( XXXX ) at XXXX PST. The phone number that I called was XXXX. I asked for the telephone representatives name twice to be sure of it, and she confirmed that her name was XXXX. After I provided my personal information, XXXX  said that Discover Bank would not correct/delete the XXXX because, although my last payment was made in XXXX, Discover Bank used a 7 year statute of limitations calculation before discharging the debt through the form XXXX. 
I explained to XXXX  that I live in California, which currently has a 4 year statute of limitation to collect on credit card debt. However, XXXX still refused to correct/delete the XXXX because she said that I still owed Discover Card the money in XXXX, before the XXXX was issued. 
Since Discover Card is refusing to correct/delete the XXXX that was issued to me ( and the IRS ), I am asking that you please contact them on my behalf to force them to correct/delete the XXXX so that it is no longer being wrongly reported as XXXX canceled debt income on my ( IRS ) income tax records.
Product: Debt collection

Macy 's and affiliate collection agency has called 120 times over a 20 day period.
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. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the accounts below otherwise remove them from my file : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy.Please correct the account, or inaccurate information, from my file immediately XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMG money claims that I have set up payment allotments with my bank!!! I have asked them for the paperwork regarding this bank, they have yet to give me that information. My identity was stolen in 2022 and I have paperwork to show that it was stolen. They have yet to delete this loan off my credit. I have got my lawyer involved and its becoming very frustrating. I have heard so many bad things about this company putting items on people credit that dont belong but I will not allow them to get away with this! I am demanding proper paperwork and also for them to delete this off my credit because it doesnt belong to me!
Product: Debt collection

I recently reviewed my credit report and noticed a collection account for a medical debt of {$220.00}. I do not believe this account is being reported accurately. I do not recognize this account Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. I disputed this account with XXXX XXXX, but they have not corrected or removed the inaccurate information. I am requesting that this matter be investigated and properly addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied once for a pre approval & it denied me n gave me 2 hard pulls when they said it wouldn't affect my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute was sent out to experian disputing account : XXXX XXXX XXXX on XX/XX/2022. 
IT has been over 30 days and has just came back verified XX/XX/2022 without this company supplying any information or providing full and complete investigation
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding the continued reporting of bankruptcy information by XXXX XXXX XXXX, Experian, XXXX and XXXXXXXX XXXX XXXX in violation of applicable federal laws and my privacy rights. 

Recently, I received a notification from the bankruptcy court stating that it does not report information to any third-party agencies. The court also confirmed that under the Privacy Act of 1974 ( 5 U.S.C. 552a ), I have the right to opt out of any authorization that such third parties might claim to have. Additionally, the court clarified that they do not lend authorization for the dissemination of this information.

Pursuant to federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Uniform Commercial Code ( UCC ) provisions, I assert the following : Improper Reporting : Bankruptcy records must be reported accurately and only by authorized entities. Since the bankruptcy court explicitly states that they do not authorize such reporting, the continued presence of this information on my credit report constitutes a violation of my rights. 

Violation of Privacy Rights : Under the Privacy Act of 1974, I have opted out of any authorization for the sharing of this information. Any entity claiming otherwise is acting without lawful consent. 

Timely Removal Requirement : Under applicable laws, any inaccurate or unauthorized information must be corrected or removed within a reasonable timeframe. The notification from the court requires the removal of this bankruptcy information within four ( 4 ) days, and failure to do so constitutes further non-compliance.

I request that the CFPB investigate this matter immediately and take the necessary actions to ensure the removal of the inaccurate bankruptcy information from my credit report.

Furthermore, I demand that all reporting agencies cease any unauthorized dissemination of my personal data in violation of my rights. 

I have attached copies of the notification from the bankruptcy court and any relevant supporting documents for your review. Please acknowledge receipt of this complaint and provide updates on the investigation. 

Reference No : XXXXXXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative items with the three major credit bureaus for over a year now and have yet to receive any results. XXXX, XXXX, or Experian have yet to provide me with any answers and I have erroneous items on my credit. So far, I have seen no progress nor have the bureaus been of any help. How is it possible that after over a year of disputes, they haven't received a single complaint of mine? There are serious inaccurate items reporting that must be removed.
Product: Debt collection

In response to my complaint to CFPB Complaint number XXXX, Toyota shows that they have removed the account from my credit report instead of updating the Credit Filing Rating Status to " GOOD ''. They refused to show me dates that show my wife, XXXX XXXX ( joint account SSN XXXX ) and I were late in which we were not and I showed them the many descrepancies they had on both of our credit reports showing the wrong last date of payment and they show XXXX XXXX day late payments instead of XXXX that is reported on all XXXX of my wife and my credit reports. All we wanted was our report to show a " GOOD '' rating and instead it looks as if Toyota took the account completely off our credits reports as if the account never existed. We just wanted both of our accounts to reflect a positive rating. Toyota account XXXX and my spouses ( XXXX XXXX ) CFPB Complaint number is # XXXX. It is a joint account and we both are trying to get this accouterments with Toyota cleared and our credit rating in GOOD standing.
Product: Mortgage

I sold my home on XX/XX/XXXX. My loan with Freedom Mortgage was paid off in full on November 5, 2019. I have not received my escrow refund of {$2100.00} yet, and it has been almost three months. I have tried resolving this issue with the company several times. 

I was initially told that my mail was being returned undeliverable. I contacted my local post office and was told that this was not true. I received mail every day to the same address Freedom Mortgage had on file without issue. Freedom Mortgage never provided me with any proof that a check was ever mailed out or returned undeliverable. 

I then provided Freedom Mortgage with a different address to send the check to and I was told that I would receive it within 7-10 business days. I have not received anything. I spoke with a supervisor again today ( XX/XX/XXXX ) and was told that it still had not been mailed out but it would be and they would try to put a tracking number on the package. 

Each time I call I receive a different answer as to when I should be receiving my refund. The customer service representatives have been extremely rude and unhelpful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized inquiries on my credit report. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent inquiries permanently removed from my credit report.

The following inquiries were not authorized by me and should be immediately blocked and deleted : XXXX. XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/year>
Product: Credit card or prepaid card

I paid XX/XX/XXXX XXXX and something on my credit card and then they took it back off my limit tried saying it was returned or refunded or canceled and my bank verification says it was paid settled then I reached out to the credit card support and they was rude was hanging up on me and calling me lier 's and just trying to keep my money in my credit rude I even sent XX/XX/XXXX proof from the bank