23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

American Express agreement stated that I would receive XXXX membership reward points after XXXX in purchases in 92 days ( three months ). This was a promotional program. I have not received those points. I contacted American Express Customer Service regarding the points not being applied to my account. I have not received a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to purchase a vehicle through XXXX XXXX in XXXX, Maryland ( XXXX XXXX ), and my credit was run multiple times resulting in a lower score. My credit was run on XX/XX/21, and I was given finance options, final numbers, and entered into a verbal agreement with a {$500.00} deposit on XX/XX/21 ( credit card statement attached ). When I arrived at the dealer to pickup the vehicle on XX/XX/21, my credit was run again for no reason and with no notice given to me ( I realized a week later when I checked my report ). I have since applied for another vehicle loan for a secondary vehicle, and I may not have gotten the best rate possible due to this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evidently someone somewhere had a card in my name that i knew nothing about. I had caused great negative harm to my credit report. I got a civil summons to go to court and thats when i started investigating. Now XXXX XXXX and equifax  is saying it its me. Who is going to repair my credit score? It has dropped nearly 200 points due to this. Please see attached images.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the handling of my private information by Equifax, XXXX XXXX XXXX XXXX XXXX XXXX all of which identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). I have ordered reports and spoken with representatives to handle these multiple infractions before submitting this complaint. As a consumer, I am entitled to ensure that my personal information is treated with fairness, impartiality, and respect for my right to privacy, as outlined in the aforementioned section.

According to 15 USC 6801, financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to Equifax and XXXX, and I want to make it clear that any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Referring to 15 USC 1681 section 604a ( 2 ), it is stipulated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my written consent for the disclosure of my information to these consumer reporting agencies. 
Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ).

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. Equifax and XXXX must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist. 
Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. 
I expect a prompt investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer - XXXX XXXX Employer - XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

a company named NCB management services called my cell phone and did not leave a message. I returned the call and could not make contact with a live person. Instead I was transferred numerous times by recorder messages and finally ended up at a company voice mail box. In a stern, but polite fashion I instructed who ever receives this message to remove me from their call list, and informed them that I do not have any debt with them.
Product: Credit reporting or other personal consumer reports

United auto keeps reporting my account as settled but has not started reporting with a balance and past due amount on the report. This account was settled and with an agreement to forgive the difference of the balance remaining. I keep getting reported as deliquent on an account that should no longer appear on my credit report at all. Once the settlement was signed, I refinanced with a different company to continue paying off the vehicle. United auto credit called me multiple times per day even when I was at work stating that they needed to collect the money for my payments on my truck to the point of harrassment.
Product: Mortgage

Wilmington Trust National Association, multiple loan modification denials with their XXXX XXXX XXXXXXXX XXXX for us into Bankruptcy XXXX  XXXX as of XX/XX/. 

Wilmington Trust National Association and their XXXXXXXX XXXX XXXX  XXXX and their law firm XXXX, continue to market and post the Notice Of Trustee Sales while in XXXX proceedings. ; We, believe that they are all in Violations of Federal US Laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking LitigatioXXXX. Please delete at once. 

XXXX XXXXXXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX XXXXXXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 8 months I have had constant issues with Experian merging my credit file with someone else. I spend about 2 hours a day on the phone disputing items. Yesterday XX/XX/2023 I called Experian to dispute inquires on my credit report that were fraudulent and to ask them about my credit score. So an hr after the dispute request I received and email stating my dispute results were ready. When I logged into my Experian Credit Report Experian added {$89000.00} of fraudulent debt to my report. 20 different names, 34 new address which were in various states throughout the United States and 30 new inquiries. Experian destroyed my credit. I now no longer qualify to purchase a home. I have suffered XXXX  XXXX and XXXX because of these constant issues. Now Im being told that it can take 30 days for an investigation. I called this morning XX/XX/2023 to make sure all items were being disputed correctly and was transferred to the specialized department. A man who kept talking over me stated that I needed to send in my social security card, drivers license and proof of address. I explained to him that I did. He didnt want to listen. I told him if he checked his system he would see I uploaded my documents weeks ago and sent documents via certified mail. I was placed on hold then I was told that their system has a conflict in social security numbers and names and that at this point the social security administration would have to provide something showing my social security number was issued to me along with the same documents my ID, social security card and proof of address. So now Im being told I cant dispute anything off my credit and no one can help me. I am mentally tired I spend a minimum of 1-2 hrs almost everyday trying to correct my credit with Experian.
Product: Debt collection

I have no account or contract with Portfolio Recovery or XXXX XXXX XXXX. The original creditor has been sent a copy of my theft report as well as well as this third party Portfolio Recovery. They sent me a letter removing on of the accounts on same theft report with the police report and also my attorney information The XXXX XXXX XXXX, but keep attempting to collect on a account that is not mine and when asked for a contract with a signature i am sent copies of a print screen shot of a old bill, I am requesting a copy of a Contract with a valid signature sent to me & / my attorney office. I am aware this is not validity of any debt. I am also requesting a copy of my signature with any contract with Portfolio Recovery. Payment history and accounts payments are being made from. Do Not Provide Me with screen prints on a fraudulent account. All information is to be sent to my attorney office also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 or other personal consumer reports

I went out of town for the summer. I was gone from XXXX to literally end of XXXX. I came back to my identity being stolen. There have been accounts ( personal loans, bank fraud ) put in my name ( Im working with those fianc companies to delete ) but additionally, there are inquiries from each credit bureau. XXXX has updated my report but XXXX is still holding me responsible for this fraud which I dont feel is fair. Im already going through so much with loans being in put in my name, credit cards and etc. Now this credit bureau XXXX is saying the inquires have to stay on my record. Why would I be responsible for fraud someone else committed? This isnt fair. I need answers. I already contacted the FTC and I had attached a copy of that for their review but they arent willing to help me. Please ask them to delete these inquiries they are FRAUDULENT and are not MINES.
Product: Mortgage

I had been sending weekly payments to the mortgage company which basically were one quarter of the monthly payment. The mortgage company accepted these for many months, reconciling at the end of each month and applying the funds to the mortgage. This last month they started to send the checks back and requesting a full payment. I would deposit the check and then re-schedule the payment again. After receiving all these payments and returning them, they sent a past due notice with finance charges. Today I receive a notice that they will take action to collect a debt. All the while receiving and returning my funds. 1. They are violating the law regarding no penalty for prepayment, since my weekly payments added up to an amount greater then my monthly payment and 2 ) I am being singled out by someone internally who wants to make a point. Actions to collect funds should be sent to those who default, not a citizen who has been making payments that were previusly accepted to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and i realize that i have some damages on my credit reports. i call the credit bureau and to help with the hard inquiries, name and addresses. XXXX, XXXX and Equifax fails to help so do the creditors. Also, most of the accounts are inaccurate, according to the 15 USC 1681 law, there should not be any damages on my report.is a defamation to my character. These companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4.
Product: Credit reporting or other personal consumer reports

Early Warning has a lot of incorrect information on my credit report and refuses to give me a copy of my report.
Product: Credit reporting or other personal consumer reports

I submitted a certified letter to Experian that was delivered on XX/XX/year>, requesting detailed information about how my dispute regarding accounts from XXXX and XXXX was investigated. I am attaching a copy of the letter for your reference. 

It has been 7 days since the certified letter was delivered, and I have yet to receive any response from Experian. Under the FCRA, specifically 15 U.S.C. 1681i ( a ), when a consumer requests information about how their dispute was investigated, the credit reporting agency is required to provide that information, including details of the investigation procedures. The lack of response from Experian suggests they may not have this information, raising serious concerns about the validity of these accounts, particularly since they appear to be inaccurate or unsubstantiated. 

As a consumer, I am entitled to have my rights protected, and I am extremely frustrated with Experian 's continuous failure to adhere to the law. This includes both failure to respond within the required timeframe and failure to provide the necessary information regarding how my dispute was handled. At this point, it is clear that Experian is not in compliance with the FCRA, and I ask your office to take action to resolve this matter. 

This is my second complaint regarding this matter and I am seeking an update on the status of my case. Experian must be held accountable for their violations of the law, and as a consumer, I request your immediate assistance in ensuring that my rights are upheld.
Product: Credit reporting

TRANS UNION HAS BEEN NOTIFIED ON XXXX/XXXX/15 THAT I AM A VICTIM OF IDENTITY THEFT AND THAT AN ACCOUNT WAS OPENED AT XXXX BANK THAT IS NOT MINE. THEY HAD DELETED THIS ITEM BUT IT HAS REAPPEARED ON MY CREDIT REPORTS. I HAVE SUBMITTED TO THEM A POLICE REPORT REGARDING THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report.

Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXXXXXX XXXX XXXX  verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit card or prepaid card

I applied for a credit card with Wells Fargo, but I was denied due to not having enough time as a customer ( I opened the account when I was XXXX which was 5 years ago ), too much debt in my name ( only XXXX in student loans which can not be paid off until I have finished college ). There were XXXX other reasons I was not sure about I did not understand what she explained to me on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : 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 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