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

I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was being serviced by the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, however my loan has been transferred to a different servicer and is currently not in collections, so this needs to be removed.
Product: Credit card

I was very sick in XXXX of 2015 with XXXX. It was mis-diagnosed by XXXX Physicians, so it was six weeks before I began recovery. I was late in paying off my Best Buy statement due to this illness, but the entire bill was paid, on XX/XX/XXXX for {$210.00}. I received XXXX late charges amounting to $ XXXX that I paid on XX/XX/XXXX. They have agauin charged me {$35.00} additional, and interest on the late charges, which amount to XXXX, which I paid today ( XX/XX/XXXX ) I have asked them on the phone and in a letter to remove the late fees and interest, and they refuse, stating they are justifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to experian to provide proof of verification of   XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA Act, the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the   XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  XXXX .
Product: Payday loan, title loan, or personal loan

These people are literally harassing me. Theybsent me a loan throughout the mail which i deposited. Because of XXXX the payments didnt start until XXXX, which is when i dtarted my new job AND moved into my new apartment. I needed the extra funds to help with both. Ive never qualified for any rental assistance program so i had to utilize what i had available. Because they deferred all payment until XXXXXXXX XXXX of covid my {$300.00} loan turned into a {$900.00} balance. I did not find this out until i went online to create my account profile to make my payments. I realized quickly i got screwed but i was managing so much that i really didnt have time to complain. These people started calling me EVERYDAY!!! i have never spoken to them at all regarding my account because i literally work XXXX freaking jobs. I work from XXXX monday-Saturday to pay my rent, other bills, and pay of this dang loan!!! I literally pay between $ XXXX at least every other week..even on days i make a payment THEY STILL CALL ME!!! The latest was at XXXX literally!!! Ive gotten the {$900.00} balance down to less than {$400.00} and they still call me EVERY DAY!!! IF I LOSE MY JOB FOR THEM CALLING AND LEAVING ME MESSAGES ALL DAY I AM SUING THEM DIRECTLY!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax legal, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in removing unauthorized hard inquiries from my credit report. Despite my efforts to dispute these inquiries with XXXX, they remain on my report, negatively impacting my credit score. 

I have already sent three dispute letters to XXXX, and I am looking forward to completing the following steps to resolve this issue : 1. Escalating the dispute to a XXXX supervisor or specialist 2. Providing additional documentation or proof that the inquiries were made without my consent XXXX. Requesting a manual review of my file to remove the disputed inquiries 4. Filing a complaint with the Consumer Financial Protection Bureau if necessary I believe that these inquiries are a result of identity theft or errors by the creditors. I would appreciate any guidance or support your office can provide in resolving this matter. 

Please let me know if there are any additional steps I can take or if you require any further information from me. 

Thank you for your attention to this matter. 

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

The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX  Cap One NA Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I request immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX Balance : {$18000.00} - I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date.
Product: Credit reporting or other personal consumer reports

Equifax representatives inserted fraudulent inquiry from XXXX XXXX XXXX on XX/XX/year>, though the inquiry is dated XX/XX/year>. After speaking with representative XXXX and office of consumer affairs deleting an accurate and fraudulent information from credit profile. XXXX provided confirmation number XXXX that were in reference to the four fraudulent inquiries that were removed and a confirmation number of XXXX for the updated credit report showing removal of inaccuracy. minutes after disconnecting call with XXXX another Equifax representative inserted a fraudulent inquiry from XXXX XXXX XXXX onto credit report. After several attempts contacting Equifax notifying them of occurrence representatives denied to raise dispute or investigate. representatives has lied about their identity as well as procedures and protocols for disputing an accurate unverifiable or incomplete information. Employees create their own rules and guidelines. 
Equifax representatives continuously commit fraud upon credit report. These representatives has access my credit profile without my consent/authorization or knowledge. Fraudulent activity consist of multiple frivolous disputes, falsifying documentation, failure to investigate multiple occurrences and refused to cease fraud upon profile, deletion of accounts, insertion of awed XXXX information on credit report. This intentional repeated illegal behavior has led to great hardship. This ongoing harassment is a delivered violation of consumer rights. Equifax has been provided with identity theft report that has been ignored. This lawless behavior has been reported to the CFPB on several occasions without resolution or enforcing its role as an intermediary between consumers and reporting agencies. The FCRA has strict guidelines that mandates both report and agency and bureau to uphold their due diligence. These agencies are to protect and furnish accuracy to consumers profile. Violation of these laws has penalties and Financial compensation for consumer. This fraud behavior has been going on since XXXX. Regardless of multiple attempts to escalate fraudulent behavior to superiors and opening several complaints, mischievous and fraudulent behavior still consist on a daily basis. Names of some of these representatives would be but not limited to XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; US SM BUS ADMIN ODA Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/2009 Wells Fargo received my {$830.00} mortgage payment. 
Wells Fargo subsequently sent me a {$830.00} refund check # XXXX on XX/XX/2009, drawn on Wells Fargo Bank, to me but stopped the payment on it. 
Fargo Bank kept the money and didn't apply it to my mortgage. My money disappeared.
Product: Mortgage

My mortgage is serviced through Flagstar Bank in Michigan. They purchased the loan from another lender, so they are not the loan originator. I have my escrow account with them so that they can pay my property taxes and homeowner 's insurance. In early XXXX, 2020, I reached out to them about obtaining a payoff quote. When I called they noted this was not something that could be e-mail. They needed to mail it to me. I agreed. I was not advised of anything further. I received the letter with the payoff quote and on the back of the letter, there is a paragraph noting that requesting a payoff will put a stop on my account. What is not made clear is the stop time. 1 day? 3 days? 1 week? 1 month? Longer? My property taxes were due by XX/XX/2020. I happened to login to my account on XX/XX/2020 and realized my property taxes were not showing as paid. I contact the county and they noted they did not receive any payment. I reached out to XXXX and they noted there was a freeze on my account due to the payoff request made in early XXXX, 2020. The county would not waiver on the late payment and I was required to pay a penalty of {$440.00}. I then reached out to XXXX and requested that they reimburse me for the penalties I had to pay. After several weeks and many calls to their customer service department, I was contacted by XXXX XXXX who noted that due to the holidays, people were out of the office and he requested that I allow him until after the XXXX XXXX to get back to me, but he assured me this would be taken care of. I was contacted by XXXX XXXX after the XXXX XXXX and he assured me that his team was looking into the matter and would get the matter resolved. He then provided additional contact information for others at XXXX who would be more qualified to address my situation. I reached out to them without reply. I then received an e-mail from XXXX XXXX noting she would get me a reimbursement check via XXXX. However, once I provided proof that I had paid the property taxes with the penalty, XXXX changed their mind and noted that they could reimburse me from my own escrow account, but would not reimburse the funds through the bank, despite their error. I have always had sufficient funds in the account to address the property taxes. At one point, when I had called to follow up, I was asked 'did you call us and tell us to pay your property taxes? ' I noted I had not and in my many years of having a mortgage, I have never been required to remind my own bank to pay the taxes out of my escrow account. I have contacted numerous individuals at the bank and requested a denial letter in writing indicating why they will not reimburse me. I have yet to receive a valid response. I was advised that I can file a complaint here, but no resolution was offered by XXXX beyond paying me back with my own money. 
I also specifically asked them not to reimburse me out of my escrow funds, but they issued a payment nevertheless.
Product: Payday loan, title loan, or personal loan

I didn't apply for a loan from this company and they keep calling my cell # and sending me emails. I don't want to do business with them. They have a reputation as being Scammers.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt or credit management

XXXX XXXX told me l was pre approved for cards or loans and when l applied for them l was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX  XXXX  XXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations that happened to my account
Product: Credit card

Capital One taunts its credit card as a tool to establish credit yet it does not REPORT correctly or adequately to XXXX MY good credit. 1. I have paid on my account now for 1 1/2 years and yet it is not reported. 2. They do not update my balance that decreases every month, therefore inflating a lowered credit score. 3. They do not report my correct credit limit of Credit Line : {$1400.00}. 4. They promise to increase my credit limit with good payment history and yet NOTHING. I am still at a low balance.
Product: Debt collection

They called me at XXXX on XX/XX/year> for a debt that was not mine and confirmed on the phone that they were calling for my sister in law. 

I advised them that I was not the person and would not want to be contacted further since it was not my debt. 

The agent very rudely told me that the only way to get them to stop calling me was to have her call and that they would be calling until she reaches out to them.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX