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

I pulled my TransUnion Credit file to verify all information was correct. It wasn't. I opened a case via certified mail in reference to Hard Inquires that I had not authorized, requested and had " opted out ''. The XXXX Inquires are as follows : XXXX XXXX Banks and S & Ls XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX  XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Banks and S &  Ls XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX In a reply From TransUnion ( attached ), they state these inquires do not have to be authorized or known to me to be validated. This boggles my mind! Too many inquires can and DOES harm your overall credit rating. With that being the case, it completely throws FCRA out the window, and we the consumers are stuck with that whatever creditors want to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my recent Credit Repot from XXXX, I noticed a negative item reported by DNF Associates. On XX/XX/2023, I sent a dispute letter to XXXX to resolve this matter, and 30 days has passed with no investigation. XXXX is now in violation of federal and state law under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). As you XXXX has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against your company.
Product: Debt collection

I 'm very upset with Afni Collections. I have disputed this account on XXXX separate occasions and to date have not received any validation. I contacted Afni trying to pay the account in full if they could help me with my credit. I advised that I was in the process of purchasing a new home. The reporting Afni made has jeopardized me in purchasing a new home. I spoke to XXXX different managers at this collection agency and NONE of them would help me resolve my account and help me with my credit. I originally had an account with XXXX XXXX and XXXX XXXX that was bundled. I paid the XXXX portion and thought this was paid in full. I never received a final notice or bill from XXXX XXXX prior to them sending me to collections. I just need help and no one will take the time to help me resolve this collection. If I would have received a final notice from XXXX XXXX then I would have paid the bill before it made it to collections. 
My children are suffering in the current housing situation we are in. There is just not enough room for XXXX of us and now my rent is being raised and AFNI will not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting

They continue to report address that belongs to my twin brother not me. 
They have added a employer that is not my employer.
Product: Credit reporting or other personal consumer reports

I tried to send a letter to XXXX XXXX XXXX for a validation of debt. I used the address that XXXX has provided to all three credit reporting agencies and the letter was returned back to me for " unable to deliver - vacant '' - I then sent XXXX, XXXX, and Experian a letter with a copy of the envelope to remove this debt for violating FCRA Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR.

PLEASE know it states the following : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR All three credit reporting agencies have still not removed this account.

Ive attached the copy of the letter to each CRA, the envelope showing the return, the copy of the credit report showing the address that ecmc reported to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score on Experian and it shows 2 closed accounts that I never knew about. those are not mine. and they are affecting my credit score. I would love to have updates *FRAUD INFORMATION* XXXX XXXX Date Open : XXXX Account Type : Credit Account Status : Closed Status Updatated : XX/XX/XXXX XXXX XXXX Account Type : Charge Card Date Open : XX/XX/XXXX Account Status : Closed Status Updatated : XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX the jacker took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to resolve the issue with the merchants but i was not successful.
Product: Credit reporting or other personal consumer reports

I've been Disputing these Unknown unauthorized fraudulent identity theft inquiries for months with EQUIFAX. They continue to willfully neglect & stall my disputes. I have sent letters, faxes, photo copies & ftc reports. Yet they claim to be verified without any proof of record or receipt 1681 602 states I have a right to Privacy Sec 604 states a Consumer Reporting Agency CAN NOT furnish an account without MY WRITTEN PERMISSIBLE PURPOSE/ PERMISSION Unknown unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. I reached out to Experian to place a 90 day fraud alert on my file. They refused to initiate the alert. They wanted me to provide by certified mail a copy of my government ID and a utility bill before they would initiate the alert. I did not experience this pushback from XXXX or XXXX.
Product: Debt collection

The company listed above, states that I owe them {$170.00}. I have never had service with the listed company, so I am not sure how they are claiming that I owe this amount. This seems to be a collection company. This company seems like are just trying to collect money from random people. I am requesting help to get this resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud accounts on Experian report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a transfer was made through wise.We wrote to the support service.But they claim that the money was sent to the beneficiary 's bank.Although the recipient 's bank claims that the money did not come.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.
Product: Mortgage

For the second time Freedom Mortgage has misreported information to the credit agencies. We completed our refinance with Freedom mortgage and closed the previous loan. Freedom mortgage has reported a 30 day late notice on a loan that closed and paid in XXXX of 2016 ( XXXX ). On XXXX XXXX, 2016 my wife and I both received 30 day late notices on this " closed '' loan. Freedom mortgage has also incorrectly reported our loan balance to the credit agencies. They ( Freedom Mortgage ) have added the paid interest to the loan instead of reporting the payments made. Both these items have a negative impact to our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency EXPERIAN has violated my rights to privacy under FCRA rules By listing unverified accounts and inaccurate information on my consumer report, after being placed upon notice by me.

Iam not liable for any debt to ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor do I have any contract with XXXX XXXX XXXX, and they EXPERIAN or XXXX has yet to supply with alleged original contract as requested. 
15 USC 1681 s-2 They ARE PROHIBITED BY LAW from furnishing inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something ( 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.

They have not compiled with section 609 ( a ) 1 ( A ) & section 611 ( a ) ( 7 ) failed to provide original contract with my signature on it. And under Section 611 ( 5 ) ( A ) of the FCRA they are required to DELETE ALL INFORMATION THAT CAN NOT BE VERIFIED
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Closed Account by Capital One Dear Sir/Madam, I am writing to file a formal complaint against Capital One for incorrect reporting of a closed account. I have reviewed my credit report and discovered that Capital One is reporting an inaccurate balance and late payment history for an account that has been charged off. Specifically, the account is being reported as having a balance and showing XXXX and XXXX  days late, even though under the Fair Credit Reporting Act ( FCRA ) Section 1681, a charged-off account should not be reporting a balance or late payment statuses. 

Below are the details of the account in question : Creditor Name : Capital One Account Number : XXXX ( partial number for privacy ) Account Type : Charged-Off Account Reported Issues : The account continues to show a balance despite being charged off. 
It reports late payment statuses ( XXXX  days, XXXX days ) on a charged-off account, which is in violation of FCRA regulations. 
Under the provisions of the FCRA, once an account is charged off, it should no longer show a balance or any late payment indicators. I believe that Capital One is in violation of this rule, and as a result, this is impacting my credit report inaccurately. 

I kindly request the Consumer Financial Protection Bureau to investigate this issue and ensure that Capital One corrects this error by removing the balance and late payment reporting from the charged-off account as required by law. 

Please let me know if further information is needed from my side to assist in resolving this issue. I look forward to your prompt attention to this matter. 

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

Hello I'm a natural person introducing myself by the CORRECT name of XXXX XXXX XXXX. After today XXXX it has come to my attention for the first time ever that I have been awfully distraught knowing my PERSONAL information has been sold illegally to debt collectors and posted on my credit score. After doing research, 15 U.S.C 1692d section 1 states " a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. I have officially experienced identity theft and unlawful violations by several companies and agencies listed on my personal credit files without my consent. I have a Federal Trade Commision report that states most of the companies that have violated my consumer credit files and also violated the consumer laws under FDCPA so this can be investigated. I will be listing the following names, dates and amounts stated on my XXXX and XXXX credit reports that I do not recognize and DOES NOT have truthful information of me. I WOULD ALSO ADD THAT THERE ARE WRONG ADDRESSES ALL OVER MY CREDIT REPORT FILES THAT DEFINITELY NEED TO BE REMOVED and PHONE NUMBERS I HAVE NO KNOWLEDGE OF EVER OWNING IN MY LIFE. 

Date reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX XXXX. illegally reported an amount of {$6400.00} and added it to collections without my consent or knowledge, I do not approve this account having complete truthful information of me. 
Date Reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX illegally reported an amount of {$1800.00}. This account is not mine and I do not recognize this company or make any business with them. 
Date reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX illegally reported a balance of {$120.00} and I actually had the time of the day to reach out to this company today and I spoke with a representative by the name of XXXX and she stated to me that the collection is for XXXX ; a company that is no longer in business and is trying to illegally collect from me with incorrect information of me ( like the rest of the other companies ). I was told by XXXX to send a dispute letter to XXXX XXXX XXXX XXXX but I honestly don't have the time to send every single XXXX company that has defrauded me a letter to dispute ALL of this non sense. 
I have NOT approved any hard inquiries and soft inquiries on my credit file made by other companies and agencies. 4 inquires from XXXX XXXX XXXX XXXX I have no business or accounts open with XXXX XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  and ect. 

Please know that both of my credit reports from XXXX and XXXX DO NOT MATCH with correct information I wouldn't doubt that if I retrieve my TransUnion report it also has fraudulent information and is not complied with correct information either.
Product: Debt collection

I have two different collections from EASTERN ACCOUNT SYST on my credit report, upon further investigation they collect debts from cable companies. I have live with my parents and never had any cable internet or anything in my name. I have another collection on my account thats not mine so that's how I know this is from id theft. I have filed a police report on the matter.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XX/XX/year> hard inquiry is on my report which is false