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

Hello, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I was checking for a car and the dealership went to different companies and for different cars I didn't approve of.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. 

These are the inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You,
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted a previous complaint with Equifax on XX/XX/XXXX, the complaint ID was XXXX and is incorrectly marked as closed. 

They responded saying they had mixed reports for my information and needed me to mail more information to them. 

I then sent them printed copies of all my information and sent them over with a printout of the report and still have not heard back from them. They also marked the case as closed when it was supposed to still be open. I have paid and checked my credit report and the problem still persists 53 days since I filed the first report. 

My issue with this is that the other credit bureaus, that had the same error on the credit report, we're able to correct it without needing me to send more information. I sent them all the same details and they all had the same information on me from their end. After sending Equifax the information they requested, they still have failed to contact me back on the status of this issue and when it would be resolved or failed to correct my statement when they said the case was closed. 

I don't think they realize that this false claim on my credit report is hurting my score by XXXX points. 
It is a very serious issue and I really hope it wasn't lost in the mail. Furthermore, both other credit bureaus were able to remove the false claim on my report without any question or difficulty. 

I believe that they used this response method ( that I needed to send more information ) to get out of actually fixing the error and then claim that they resolved the issue in order to get out of getting in trouble with CFPB. 

It has been well over 30 days since I filed the initial report and sent the mail of my " needed extra information '' in priority shipment. The other reports all got the false inquiry removed on XX/XX/XXXX exactly one month after submitting my complaint. 

I still can't apply for any credit or anything else that needs credit approval until this false derogatory remark gets removed. 

If you could please help me with getting this moved along and actually resolved that would be a huge blessing.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX typeSingle family XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX Resident XXXX family THESE XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion are reporting an account from XXXXXXXX XXXX XXXX ON MY credit file this account and balance do not belong to me I would like this account removed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To : You Mon XX/XX/XXXX XXXX XXXX  Thank you. I look forward to hearing from you. 
Thank you. I appreciate your help. 
I look forward to your response. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the Executive Office of Customer Advocacy and leadership members at XXXX. To ensure your concerns are handled, I've forwarded your email to me within the Executive Office of Customer Advocacy at XXXX. 



After our investigation, we found that this account and balance do not belong to you. You were a victim of the XXXX XXXX XXXX XXXX, and this account was established due to that breach. We will request that the XXXX major credit bureaus delete this record. 



If you have any questions or want additional information, please call me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXXXXXX XXXX to XXXX XXXXXXXX ( ET ). 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : You XXXX  XXXX XXXX You Your Inquiry to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Veteran, and I was about to close my mortgage with the lender upcoming week. 
Lender told me on XX/XX/XXXX, that They weren't successful in getting my credit score only from Equifax. They said that the account is locked.

As of XX/XX/XXXX, I checked online and called the customer service to see the reason why my account is locked automatically without me knowing. 
Got on the automatic voice call, and the voicecall told me that they can't verify my address through questions. However, I have only moved three times in California, and I tried every single address, they said it's not valid. So following their instruction, I faxed, and mailed priority with my ID documentation ( passport, Social Security number card, pay stubs with SSN, W-2 with SSN ) and sent my address verification ( utility bill with correct address, w-2 form with  correct address ). 
The voice told us to wait 10-15 days. we did. 
after 7 days, we got a letter through mail that the documents we provided was incorrect or is hard to achieve. Didn't quite understand because we've sent everything possible even private document that was high-res photocopied. 
we called the supervisor and the customer service again, first time, the representative heard what our problem was, and hung up on me. 
second time I called, the representative said the same thing. to send over fax and mail. 
we faxed again about 5 times last week. Still nothing. 
This is going to be problem in future no matter what, because simply, the company can't even verify who I am, but they automatically locked me out because of their breach at XXXX.
Product: Debt collection

On XX/XX/XXXX, I wrote to XXXX XXXX XXXX XXXX, and explained in detail why their invoice needed to be significantly adjusted. They did not respond. 
When their parent hospital called, they said they had not received the letter, so on XX/XX/XXXX, I wrote them a letter, and attached the original letter I had sent. 
They did not respond. In XXXX of XXXX, I receive a bill from a collection agency. I sent them a copy of all the correspondence. They did not respond. And now, as of XX/XX/XXXX, the collection agency has reported this as an unpaid debt to at least one of the credit bureaus. 

I have done everything in my power to get this resolved in a fair way. Now I must escalate this matter in order to safeguard my credit report. As stated in the original correspondence, I will pay the amount that should have been charged, as soon as I receive a corrected invoice. Or the amount can be adjusted to XXXX Either way, my credit report must be corrected immediately, with all credit bureaus.
Product: Credit reporting or other personal consumer reports

i called the company to see if they could help me remove report they told me the dont have my name or any of my information to assist me XXXX is the one who gave me the numbers to the companies and they told me that they should not have did that because they are the ones that would be able to remove inquires
Product: Checking or savings account

THE BANK SAYS THAT I DEPOSITED A CHECK FOR A LARGE AMOUNT HOWEVER THE AMOUNT IS NOT MINE AND I DID NOT AUTHORIZE THE CHECK TO BE CASHED OR ANYTHING. I ASKED FOR THE BANK TO MATCH MY SIGNATURE HOWEVER THEY WOULD NOT MATCH IT AND STILL SHOWS THAT I OWE THAT AMOUNT. 
I DID NOT AUTHORIZE THE AMOUNT OF THE CHECK. PLEASE HAVE THIS REMOVED FROM MY CREDIT TO BE ABLE TO OPEN MY CHECKING ACCOUNT..
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I was told by XXXX a supervisor At EXPERION. that I will not be helped. Because they have nots in my file. Have a nice life and hang up on me. ( They are not happy because every month they have fraudulent attempt to lower my score ). And I catch it every time. Attachments show the lies EXPERION tell so at this time they are cleverly displaying that they were not remove therefore see generated score factor. Why why why me lord.
Product: Credit reporting or other personal consumer reports

Hello I am reaching out due to an inaccuracy on my credit report for account XXXX. It is showing this account has been charged off as of XX/XX/2020. They received a tax write off and I should not have this debt reporting on my credit profile. According to the Internal Revenue Service ( IRS ) guidelines, if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, reporting the cancelled amount as income.I have disputed this with the bureaus and they have not helped me remove this from my credit profile. I did ask for them to send me any forms or any documentation that they have the right to report this as a debt. None has been given.
Product: Checking or savings account

On XX/XX/XXXX, I opened both a CitiBank Savings and Checking account funding them with a combined amount of {$15000.00} to qualify for a {$300.00} bonus. Service fee to be waived as long as I kept {$10000.00} in my combined accounts. For the past 5 1/2 months I made no deposits nor withdrawals from these accounts. Yet, Citibank took an unauthorized service fee from me in XXXX, which I called about, and they returned the money without explaining why it was taken given I maintained my balance above the amount which would waive fees. However, being concerned that this unauthorized fee grab may have caused me not to be eligible for the promotion anymore ( ie. My balances technically dipped below the {$15000.00} ), I called Citibank and they confirmed that I was qualified and that a {$300.00} credit would appear within my qualified date which was 60 days ( XX/XX/XXXX ) after I opened the accounts on XX/XX/XXXX. When 90 days came and went ( XX/XX/XXXX ), I called Citibank and was told now that the money would appear within the next 30 days AND the amount would be {$250.00}, not {$300.00}. I objected to this and the Citibank rep insisted that I was wrong. After reading other bank customer complaints on these same issues, I feel it is important that CFPB investigate what appears to be a pattern and practice of Bonus Offer fraud by this major bank.
Product: Debt collection

I closed my two XXXX  accounts on febraury XXXX after going back and fourth for a few months with the service representatives about closing my accounts. I contacted the client service manager about the what was going on ; She finally closed my accounts out for me and the balance was at XXXX she stated on XX/XX/2023. Then I got charged XXXX from the 401k department on XX/XX/2023. So I emailed the client service manager back and asked about the charge. She said that I would have to contact the 401k department about the charge. So I called them on XX/XX/2023 and asked could I be refunded my XXXX because I was no longer with XXXX ; I dont want to do services with XXXX because of the horrible customer service. The customer service representative said that he would email me the paperwork to terminate the 401k in two days. I got an email on XX/XX/2023 and it said that I had to pay the XXXX to terminate the 401k. I emailed the customer service agent back and said I dont want your services anymore. I just want the service terminated I dont need a 401k from you all. The customer service representative sent me an email today saying that he couldnt help me with anything that I was asking for. They are refusing to terminate my services because they want to keep charging me the XXXX every month. Today I also received an email from a debt collection called Brennan and Clark from XXXX XXXX Illinois they sent me an email saying that I owe XXXX  XXXX. I dont owe XXXX  anything because my balance was cleared when I closed my accounts on XX/XX/2023. I called them today which XX/XX/XXXX and asked the customer service representative about the email I received today on XXXX XXXX from the debt collection agency Brennan and Clark from XXXX XXXX, Illinois and the service representative said that she couldnt help me because it had already been sent to a collection agency. XXXX sent my account to collection in order to tarnish my credit report because I reported them in for overcharging me. What they are doing is wrong and I want nothing to do with XXXX  services. I feel as though I am being discriminated against by XXXX because I spoke up about the unfair treatment I have been receiving from the awful this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00}
Product: Checking or savings account

Dear Consumer Financial Protection Bureau : JP Morgan Chase Business Banking has been charging for ACH services ( XXXX/month ) that we were not signed up for. When I looked into the unrecognized charges for the ACH service I clicked the ACH section of the site. It was clear that we were not signed up : ACH Collections Enrollment Please note ( see screen grab attached ) : " We can't enroll you quite yet. Please call XXXX to finish enrolling. If you've been our customer for less than 6 months, please provide at least 2 months of checking account statements from  your previous bank '' When I talked with Chase they refunded 4 months of charges " as a courtesy '' but would not refund beyond that. They have been charging me for a service never available to me to use as I have never been enrolled in their ACH service. It's not even accessible as to access it through the online banking site. 

I can see a total 27 charges online which is a far as the system allows. ( See screen grab attached ) I assume there are many more predating these. This appears to be similar to XXXX XXXX fraudulently signing up/charging for services without the customer 's request or consent. 

This may be an isolated incident but it may be widespread.
Product: Credit reporting or other personal consumer reports

I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA. Kindly remove the Inquiry from my Experian and XXXX report that is dated for XX/XX/2023. This was not authorized. 

XXXX XXXX- XX/XX/2023 If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. 

Thank You,
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Around XX/XX/XXXX XXXX I received my first credit card from XXXX XXXX. However, for whatever reason that occurred, my account and credit card were terminated several weeks later due to an identity theft that resulted in the hijacker making unauthorized payments to my account without my knowledge. 

As a result, XXXX XXXX forced me to pay {$640.00} which was a result of the hijacker intercepting my credit card and XXXX XXXX account and I had to refuse to accept the payment due to my financial hardship and lack of money to pay. A year and a half later, Radius Global Solutions sent me a letter informing me of the balance that I have to quote-on-quote " pay ''. This situation has resulted in difficulties for me to search for a new house to move into. The reference number is XXXX. 


Additionally, my middle initial on the card and account oes not start with an XXXX, but with a XXXX
Product: Debt collection

I have sent 2 certified letters to HUNTER WARFIELD they have refused to acknowledge these letter for them to Only to ( VALIDATED ) this so called debt I Dont need a verification done I demand this debt to be VALIDATED by XX/XX/2018 received this Certified letter on XX/XX/2018 Tracking number # XXXX this company is demand they VALIDATED this debt they claim I owe. They have refused to VALIDATED this so called debt I will be filling a lawsuit against this company if debt not VALIDATED within the time allowed. Send results by email only @ XXXX UCC 1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

A relative was denied credit and one of the reporting sources was a company called XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXX. I keep a close watch on my credit reports, and I had never heard of this company. Assuming they have credit information on me I went to see if I could get my credit report in the usual way, through XXXX. This company is not even mentioned there. 

There is a process to get a report directly from them, but it is much more invasive and complicated. Reading online, I see many people complain that this company 's credit scores are hundreds of points below the average at the other three reporting agencies. They also report difficulties getting straight answers on what constitutes a " good '' score, and even what contributes to their scoring. 

I am very upset that I can not examine what information they have about me through the usual reporting process at XXXX. I think an investigation of this company is warranted.
Product: Vehicle loan or lease

On XX/XX/XXXX, I found out there were two hard inquiries from Mazda and another from Mazda XXXX. I called Mazda XXXX in sales department. The representative informed me there was an application with my driver license for get a car. This application was from XXXX broker with phone number XXXX. I also got a call from Mazda credit department that if I attempted to buy a car and I said no and please dispute two hard inquiries to credit bureau and she said she cant do that. Apparently, someone is using my identity and license to buy a car but Mazda wasnt helping me with solving issue.