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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It XXXX Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Acct : XXXX Late Payments : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I HAVE BEEN VIOLATED. THIS IS A CLEAR VIOLATION OF MY CONSUMER RIGHTS. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

You and your inaccurate reporting have damaged my livelihood.

This is a clear violation of my consumer rights and under law you have a responsibility of ; 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instruction of furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; by definition consumer report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

consumer : ( c ) The term consumer means an individual. 

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

In conclusion, I have provided you with the law which prohibits XXXX XXXX from inaccurate reporting of the listed account. You have now been put on notice that you are reporting inaccurate information. The information and account is, in fact, inaccurate. 

By the provisions of the Fair Credit Reporting Act, Please remove ALL LATE PAYMENTS FROM MY XXXX XXXX  ACCOUNT. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on two accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) and ( XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Ga XXXX To Whom It May Concern : I am writing for help about a credit debt that Bock & Scott had  sheriff delivered to me around 2010. I have went on their website saw where it said I owe {$12000.00}. I have contract them via telephone and mail ; asking about this matter but no response. I would like to know how they come up with this dollar amount with the list of the breakdown. Also I need a something showing me with my name of the account number that you have listed on the letter that I received. 

Thank you. 

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

On XX/XX/2023 I sent NMAC ( Nissan Motor Acceptance Corp ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXXXXXX XXXX. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been LONGER THANK 5 years to the day since the car was turned in back to them. They received the letter and signed for it but I have heard absolutely no response from them at all and they refuse to transfer me to that department claiming that department doesn't have phones! Ha! I was assured by Nissan motors acceptance corporation that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!
Product: Credit reporting or other personal consumer reports

After numerous attempts to have this fraudulent account removed from my credit reports I still haven't had this fraudulent account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, had violated my rights 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 a account without my written instructions.

15 usc 1666B : a creditor may not treat payment on a credit card account Under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2024 to the credit bureaus requesting that the XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

Equifax, On my latest credit report - there are 3 hard credit inquiries due to identity theft that are fraud and need to be removed immediately - they are : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : My complaint with them detailed out FTC Identity Theft report drivers license social security card proof of address these 3 fraudulent inquiries need to be removed at once.
Product: Credit reporting or other personal consumer reports

A XXXX account appeared on my credit reports for all XXXX reporting agencies in XXXX of 2018. I filed a police report and followed all of the instructions XXXX and the credit agencies requested. It still shows on my report to this day. It was opened, from what XXXX says, in XXXX, which I have never lived in, and is with a company I have never had an account with ( XXXX ) In short they refuse to do anything. I have been trying for three years to fix this and finally found out about this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights. 

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.
Product: Credit card or prepaid card

I have tried to get this handled multiple times through cfpb and wells fargo directly. The last complaint letter from Wells Fargo specifically stated to start a police report in any jurisdiction, which I have done. I emailed & faxed them the details on this, but have not yet heard back from them in regards to the fraud complaint / case. I will be re-attaching all of the details from my previous cases and appeals with Wells Fargo. This has been going on since XX/XX/2018. 

I will not re-detail all of the information on the case here, but it is all in the attachments. In summary : ( 1 ) I disputed the charges as fraud ( 2 ) I followed all the directions provided to me by the credit card company ( 3 ) I have opened the police report as required by the credit card company ( 4 ) I still have not received a satisfactory response / credit to my account to void out all of the fraud charges ( 5 ) This has been severely hurting my own credit at this time due to Wells Fargo 's negligence.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a collection account on my credit report, which I believe is the result of fraudulent activity. The account in question is listed under the name XXXX XXXX and associated with the account number XXXX. 
Date opened XXXX XXXX I did not authorize, open, or incur any debt related to this account. I have no knowledge of the transaction or any relationship with XXXX XXXX. Therefore, I believe that this account is the result of identity theft or fraud. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the fraudulent collection account from my credit report as soon as possible. To support my dispute, I have attached the following documents : A copy of the police report I filed regarding the fraudulent activity. 
Proof of my identity ( e.g., government-issued identification and utility bill ). 
Any additional documents or correspondence related to this dispute, if applicable. 
I respectfully request that you conduct a thorough investigation into this matter and provide me with written confirmation of the removal of this account from my credit report. As per the FCRA, I understand that you are required to resolve disputes within 30 days of receiving this letter. 

Once the investigation is complete, please send me an updated copy of my credit report that reflects the removal of this fraudulent collection account. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

While paying my XXXXXXXX XXXX credit card monthly bill online in XXXX, I received an alert indicating that I was eligible for a credit line increase for which I decided to apply. The application was declined. I then received the above-mentioned letter from XXXX XXXX  XXXX copy enclosed ) indicating that the reason for the decision was based singularly on number of accounts with delinquency I diligently keep track of my payments and ensure that they are paid on time. This was confirmed by my XXXX Credit Report which indicates 100 % Payment Made on Time. I have enclosed a summary of my XXXX Credit report documenting this. I then contacted Equifax and spoke to a representative who indicated that, except for high balances, I had no current delinquencies. Equifax opened dispute # XXXX, and the results indicate high balances ( which I expected due to medical bills ), however no delinquencies are reported. 

I contacted XXXXXXXX XXXX XXXX customer service on XX/XX/year>, for their assistance with correcting my account t and spoke with a representative named XXXX who instructed to send my request in writing to XXXXXXXX XXXX XXXXXXXX Credit Bureau Dispute which I did in XXXX. I received a response via a letter dated XX/XX/year>, asking me to complete an included form to provide additional information assist them with researching my dispute. I returned the completed form along with the results of the Equifax dispute # XXXX ( enclosed ) confirming that all the accounts incorrectly flagged by XXXX XXXX were Paid as Agreed. 

Instead of correcting my credit record, on XX/XX/year>, XXXXXXXX XXXX XXXXXXXX Sent me another letter dated XX/XX/year>, with the same form requesting the same information that I had already provided to them back in XXXX. To date, my credit record has not been corrected by XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back from Transunion, which states you completed a fair investigation and these accounts are 100 % accurate. 

Can you please answer this one question? How did you investigate these accounts?

Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT.

Did you interview my neighbors? Did you interview my family and friends?

Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also Transunion DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate. 

Transunion has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : Account Name : XXXX Bank Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Bank of XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Funding Account Number : XXXX Delete these accounts immediately or you will be held responsible for {$1000.00} per violation. 

Send me an updated credit report with these accounts permanently deleted.
Product: Debt collection

I was staying in a weekly due to a XXXX  XXXX relationship and was stay at the XXXX XXXX on XXXX sometime in XXXX with my son. At the time I was staying there I was working for a gas station XXXX XXXX  and I was getting paid weekly so I was able to make the rent. Well the job ended and I spoke with the property manager at that time and made him aware of my situation and the day I explained to him he agreed that he was willing to work with me and that I could pay the daily rate instead of the weekly rate due to job lost. Now looking back his word didn't mean anything because he still choose to evict me with no sympathy. I tried to take it to court and the judge who ruled in his favor did not allow me to speak at all he just looked through the file and pled in the favor of the property manager and I remember the property manager laughing in my face and telling me, " I would have to find somewhere else to stay with my child. '' I than started a relationship with someone living in that same weekly just so myself and my son wouldn't be homeless and the property manager wasn't happy and told me that because I am not making the payment and I am still living on said property he was going to call the cops and have me trespassed from the property. That did not go in his favor because I continued to live there and I was assisting the guy I was living with in the weekly with his rent. I than noticed the debt was seen on my credit history report dated for XX/XX/year> for the amount of {$1100.00} and when I saw it on my credit report the amount was about {$880.00} at the most and I called the collection agency Sentry Recovery & Collections to make a payment arrangement and never got any response if I could settle the debt at a cheaper price or make payment arrangements. This debt has haunted myself and my child because I have not be able to rent with anyone in the XXXX XXXX area and have been crashing on friends and family members couches because I can't obtain my own property due to this impacting my credit report.
Product: Money transfer, virtual currency, or money service

I deposited {$35000.00} onto Coinbase on XX/XX/XXXX, which I withdrew {$25000.00} on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$7000.00} bringing my total deposit to {$17000.00}. On XX/XX/XXXX, they locked my funds for 30 days upon deeming my activity suspicious. On XXXX XXXX XXXX days after they locked my funds, I got an email saying my balance was available. When trying to sell my USD Coin and trying to transfer the funds to my bank account, an error message prompt appeared saying my account was still restricted. That same day, I opened a support case where they updated me over several days saying that they were reviewing my account. Today, on XX/XX/XXXX, they sent me another email saying they were closing my case without any information detailing why. I was still unable to withdraw my funds to my bank account, so I called them again. They said my account was blocked until XX/XX/XXXX now, and said they couldn't give me any details as to why. I realized they're probably just putting me through what seems like an infinite loop of dealing with their customer service to no success to steal my funds while using their excuse of not being able to state why they're doing what they're doing. I'm frustrated, and tired of playing nice, and I will speak with my lawyer about pursuing this if this issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My granddaughter and I  have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same social security number. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX XXXX and they told me I needed to file a complain with XXXX. This is not the first time this has happened and I would like for it to stop.
Product: Student loan

Beginning XX/XX/XXXX I began to request that XXXX XXXX   provide me the original contract of the student loan agreement, because the amount that is recorded as the balance due on this account is inaccurate and not mine. Therefore, I requested to verify the debt because according to my records, my total amount owed is {$3500.00} that was transferred from other lenders to consolidate around XXXX of XXXX. I have attached a copy of my credit report posting this accurate balance. 

I also requested the original contracted that I physically signed, however XXXX sent an electronic signature with a name that is spelled similar to my name, but is not my name ( SSN Card Attached ) and did not provide competent evidence bearing my signature ( see social security card attached ). This information is unverifiable and inaccurate. The balance incorrect, and is stating an amount that is higher than I owe. I also, contested late payments that were posting on the account due to the fact that it was placed in forbearance until this investigation was to be resolved. The itemized printout that they sent me was wrong, and as a result of other inaccurate dealings with my credit, I had to file identity theft.
Product: Credit reporting or other personal consumer reports

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items ( XXXX XXXX XXXX  ) 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of the negative item is listed below. I have disputed this multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and each time I dispute, it remains. It comes back verified with no details of how/where it was verified. It also list a new updated date and pushes the date of removal back to XX/XX/XXXX. I do not own an account with XXXX XXXX XXXX. I have disputed the misspelling of my name twice. I also noticed I started receiving bank notifications of my withdrawals/deposits with XXXX  that I dont recall signing up for alerts with Experian for my personal bank accounts. I had/have frozen my credit files with Experian, XXXX and XXXX. I have also listed fraud on all my credit files. Please delete this, as it is negatively affecting my credit history.
Product: Money transfer, virtual currency, or money service

I placed an order via Paypay and I never received the order. This order was back in XXXX XXXX 2017. I made a complaint with paypal and they did not help me with my situation. The individual who took money from me never gave me a refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

DID NOT GIVE AUTHORIZATIONS FOR COMPANY TO RUN MY CREDIT. I DID NOT APPLY TO THESE COMPANIES, HAVE NO OPEN OR CLOSE ACCOUNTS WITH THESE COMPANIES. THEY ARE DAMAGING MY CREDIT.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted experien requesting a copy of my credit report and have not received a copy, and I am unable to access my report via the online portal.
Product: Credit reporting or other personal consumer reports

Hi, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.