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

This information is incorrect reporting on my consumer report and should be removed immediately. They have not provided me with a forward flow agreement or a chain of assignment. Experian has been sued for not properly investigating information on all disputes. They have neither corrected or removed disputed the evidence I provided causing on going harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumer. 
I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX Bank, they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

The CFPB 's findings indicate that many companies has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I want PORTFOLIO RECOVERY removed for my credit report. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed off dispute letter to TRANSUNION on XX/XX/2022 did not receive a respond within the 30 day period thus violating law 15 U.S. Code 1681i. Also company has violated my rights under 15 U.S. Code 1681i ( a ) 2. I am demanding proof of this agency to show my consent to furnish the accounts listed below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a request to The 3 Consumer Reporting Agencies reporting inaccuracies listed on my COnsumer Report. In XX/XX/XXXX, XXXX acknowledged the errors and deleted the inaccurate accounts from my consumer report. 

Incompliance with the FCRA 611 ( a ) ( 5 ) ( d ), Consumer reporting agencies use a ACDV ( automated consumer dispute verification ) system, there is a feature designed to provide consistency in consumer reports across the various reporting agencies. The XXXXXXXX XXXX XXXX feature was designed to have any changes, deletion be communicated to the various reporting agencies. I requested that Experian and XXXX review the deletions processed by XXXX and update my consumer report with said information. Not sending the XXXX XXXX XXXX is in itself a violation. I attached the initial credit report from XX/XX/XXXX and the modified consumer report from XX/XX/XXXX showing the deletions. 

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

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX docket # XXXX case # 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 reporting or other personal consumer reports

Kindly ensure the elimination of these erroneous accounts from my credit report as per FCRA 605B. It is imperative that these inaccuracies are addressed without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating the credit score causing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all three credit bureaus and  XXXX  for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's  XXXX  report back to the incorrect reporting and then started reporting his account under my son 's credit reporting ( son is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers our credit score  XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's credit score to be lower by  XXXX  basis points. We know this because when  XXXX  was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how Equifax and  XXXX  can lower my credit score by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over two weeks I contacted my credit card company HSBC to see what is my best options. And the HSBC Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your XXXX credit report regarding your HSBC BANK XXXX. My score decreased XXXX point because I contacted HSBC about the purchase I made for a service I never received and I wasnt reimbursed.
Product: Checking or savings account

XXXX XXXX I deposited my check in my account after I was told my account wasnt closed XX/XX/XXXX found out account was closed and under investigation and funds wont be released until XX/XX/XXXX. 
XX/XX/225 dollars was available to take out XX/XX/XXXX funds were available to take out was told over the phone I could get my funds.come and Im told my check will be mailed to me and my check hasnt been verified yet.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Waypoint Resource Group is attempting to collect on behalf of XXXX XXXX, XXXX. I reached out to Waypoint Resource Group and requested that the collection agency send a copy of the original contract which verifies I owe the debt. I also requested a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. To date, I have received no response. 

An amount of {$520.00} is not owed to XXXX XXXX. Waypoint Resource Group has not provided any documentation which proves the debt belongs to me. Thus, I am requesting this entry be removed from my credit report immediately. This debt is erroneous.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

CARE Credit credit card. Used only for XXXX/XXXX  etc. offices : When I was at XXXX XXXX office and was told that I needed XXXX XXXXXXXX in both XXXX  and had to pay before XXXX date, the XXXX  staff explained to me that if I could not pay the XXXX in cash I could apply for Care Credit credit card and if I paid all of the Promotion ( s ) on time I would not be charged any fees or interest charges. The first month bill I was sent to my home there was a so call card Security fee {$39.00} & no interest charges for that month. I then proceeded to call the XXXX # I was told that I could not request to remove the charge $ I then asked for a supervisor and instead of being transferred to one, very rude. I took the bill to the doctors office and XXXX XXXX staff ) who opened the account for me told me she would call the bank. XXXX call me back and she said she talked to a supervisor and not to worry. That never happened. I have charges every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked transunion and XXXX to verify this account because there is inaccuracies. Also, this account does not belong to me and Transunion and XXXX responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account with a balance of {$350.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right and 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 constructions
Product: Credit reporting or other personal consumer reports

I'm unaware of these inquiries, and the company made them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated on each and every one of these accounts! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and 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. My legal rights have been violated. 
FCRA RIGHTS HAVE BEEN VIOLATED UNLESS REMOVED I WILL BE SEEKING DAMAGES FOR THESE WILLFUL VIOLATIONS Paid Account / Late Payments Account Name : XXXX Account Number : XXXX Please investigate every piece of information is correct. If the late payments arent reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Account Name : XXXXXXXX XXXX Account Number : XXXX Please investigate every piece of information is correct. If not please remove it from my credit report. 


Account Name XXXX XXXX XXXX  Account Number XXXX Please investigate every piece of information is correct. If not please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Credit karma refuses to explain the policy of its net worth tool I want to link my home address to my mortgage with usda XXXX XXXXXXXX XXXX XXXX XXXX is reporting to XXXX and XXXX  Credit karma will not let me link my mortgage to my address because XXXX does not have the account on the credit report. 
XXXX XXXX XXXX  isn't reporting to XXXX because they don't have a contract. 
With XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing . In   XXXX   XXXX   XXXX   XXXX   I was d enied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in  XXXX   XXXX . Still no notification at this time nor to this date  (   XXXX   XXXX  ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til  XXXX   XXXX , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!
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. these are the accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was alerted to a loan being opened in my name when Michela started sending me invoices. I called immediately to discuss as I have no student debt and am XXXX XXXX XXXX, not a student, do not have college age children and am not supporting anyone in college. I filed a police report in XXXX XXXXk XXXX where I live. I have called XXXX 5 times and sent two emails. I am able to talk to a general operator but in order to resolve the fraud I need to get transferred to the Resolutions Team where you leave your number for a call back. I have never received a call back. NOT ONCE. I have asked to wait for an available Resolutions Team member but they say that is not an option. Meanwhile I am getting bill after bill as the account is past due. I have sent them my Identity theft.gov mailings and and trying to resolve this in all ways I can but they have been unresponsive to date.
Product: Vehicle loan or lease

CANCELLATION OF DEBIT PAID OFF THROUGH IRS, BRENCH OF STATUTORY OBLIGATIONS IS OF SIGNIFICANT CONCERN. NON COMPLIANCE WITH AFOREMENTIONED LEGISLATION UNDERMINES CONSUMER RIGHTS COMPROMISES THE INTEGRITY OF COMMERCE, AND POTENTIALLY INCURS SERIOUS LEGAL CONSEQUENCES. 

As outlined in Title 15, Section 1640, violations can lead to statutory damages, actual damages, and even the recovery of court and attorney fees. 

SUBSEQUENT EXAMINATION OF CONSUMER PROTECTION LAWS REVEALED THAT THIS MANDATE IS IN CONTRAVENTION OF THE REGULATIONS SET FOURTH IN THE CONSUMER LEASING ACT ( Title 15, Sections 1667-1667e ) of the United States Code . According to these legal provisions, consumers are not obligated to tender a down payment to secure credit.
Product: Credit reporting or other personal consumer reports

I placed a dispute on XXXX regarding fraudulent items found on my report. I sent them my FTC reports along with ID and proof of address as requested. Upon following up I was told that I do not qualify for my items to be immediately removed based on internal policies. Credit reporting agencies must block information from a consumer 's credit report if the consumer provides an identity theft report. This is in accordance with the Fair Credit Reporting Act ( FCRA ) I should have been provided with a clear explanation regarding why my dispute does not meet law requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to send a complaint about these three companies, EQUIFAX, XXXX and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Repetitive payment history continues to be displayed as inaccurately reporting on numerous accounts I have reached out to XXXX  with no deletion There's ( 3 ) days ( 2 ) 60 days, then a closed account after payment. I would think this would be a good reason to dispute because it's inaccurate. You can only be 60 days, 90 days, or 180 days late once in a row I want all XXXX XXXX  accounts removed from all three credit bureaus immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item since XX/XX/2022. They never responded or fixed this issue. Due to 15 USC 1681c-2 this issue need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OF XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am being affected by fraudulent activity on my credit report to which I filed a Federal Trade Commission Identity theft report to remove this fraudulent activity from my reports. I keep getting ignored and this fraudulent information is still on my report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the failure of the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which governs the process of disputing inaccurate information on credit reports. Despite my attempts to dispute inaccurate information on my credit report, the credit bureaus did not conduct a proper reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 5 ). They also failed to provide me with any sufficient documentation or detailed explanation regarding the results of the reinvestigation or the reasons for maintaining the disputed entries. This lack of transparency and failure to fulfill their legal obligations left me without the necessary information to understand or address the inaccuracies. As a result, I am filing this complaint to seek assistance in ensuring that the credit bureaus adhere to their responsibilities under the FCRA and provide the required information and proper resolution to my credit report disputes. 

the following accounts are inaccurate and fraudulent ( XXXX XXXX XXXX ) Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX ( XXXX  ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my earlier complaint dated XX/XX/XXXX, to remove the erroneous information in my credit report. the items still linger in my account despite my request. 

Please block or remove these items because the address is not my current address, the account is inaccurate and fraudulent. Im seeking Litigation. the inquiry is unauthorized and fraudulent. Please delete them at once. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have sent a Cease and Desist letter to FCO - Fair Collections & Outsourcing, but they have refused to comply with Federal guidelines by ignoring my request to resolve this matter. Additionally, FCO is operating as a collection agency without being legally bonded or insured to collect in Texas, which is a violation. Moreover, they are also in violation of the Fair Debt Collection Practices Act, including but not limited to Section XXXX. Please have FCO Fair Collections & Outsourcing cease all collection activities. This is my last attempt to complain outside of court.