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

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX. 
I have disputed these fraudelent credit inquiries multiple times Equifax blatantly ignored my multiple dispute letters asking them to investigate and remove these inquiries. This is a violation of my rights under the Fair Credit Reporting Act, 15 U.S. Code 1679c.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was potentially affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

Nexus group put a bill for {$2300.00} on my credit for collections. This is bill is not mine and they refuse to send me a contract or information regarding this collection. This information is inaccurate and needs to be removed. Its reporting on all three credit bureaus. 

XXXX refuses to respond or show me how this collection is valid and belongs to me.
Product: Debt collection

I have received text messages and phone calls from XXXX Harris & Harris for over two years. They say in the texts it is for debt collection for XXXX XXXX ( {$5700.00} ) over XXXX XXXX XXXX. No messages are ever left on my voice mail. I dont even know where this is, nor have I to my knowledge ever crossed this tunnel. The texts are brief and include a link to click on, but I have not clicked on this link for fear of stealing my data. I have never received anything in writing. There is also a direction to enter STOP if I want to be removed from the texts, but that also makes me nervous so I have just ignored them.
Product: Credit card or prepaid card

Someone used my credit card and opened a XXXX account and purchase unauthorized stuff. Comenity Bank ( BJs Credit Card ) Investigation group is recharging me because they said that the charges came from XXXX. When I opened my XXXX account, which I haven't used in 4 years, It listed an expired credit card and no transactions for the last 180 days. 
I now see a thread someone opens an account with XXXX fraudulently uses an unauthorized credit card and Comenity automatically pays XXXX and I'm still responsible. 
The original charges were made on XX/XX/20 for {$490.00}, {$140.00}, and {$100.00} to a company called " XXXX   XXXX CA ''. When I originally called Comenity, they took the charge off my account. Those charges were put back on my account on XX/XX/20. 
How do we resolve this?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

I have been disputing all the negative accounts and fraud inquiry, Experian is not removing the items in question. I have been complaining about the same items for months now and have sent in a police report, proof of address, and social security number. Every time I get a response back with a generated letter stating the same answer. I have paid off all of my debt back in 2013 with a home loan and all accounts were paid in full and a letter was written for them to be closed. My information was used fraudgently and nothing is being done about it. I should not have anything on my credit report that is negative because everything was paid off.
Product: Credit reporting or other personal consumer reports

During my time as a victim of XXXX XXXX, my personal information was used without my consent to open accounts, make inquiries, and engage in unauthorized financial activities. These actions took place during a period of coercion and control, making it impossible for me to protect my information or finances. Specific incidents include : On XX/XX/year>, unauthorized inquiries were made by XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. On XX/XX/year>, an unauthorized inquiry was made by XXXX XXXX XXXXXXXX XXXX. Fraudulent accounts were opened, including : 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 These actions were taken without my knowledge or consent and have caused significant harm to my credit standing. I have submitted disputes under the Fair Credit Reporting Act ( FCRA ) and provided supporting documentation. I request the removal of these items from my credit report as they are the result of fraudulent activities beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX child support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX childsupport XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX/ExperianXXXX  after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there are Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus that believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They call multiple times through out the day. Have spoken to family members with out my permission who have answered my phone. Sending repeated mail. I have asked them to stop and they continue to call. I have the paperwork. This has been going on for months. At first I did not know that XXXX sold my debt. So I didn't know what it was at first. But it is at a point where I can not even answer my phone because they are calling from multiple numbers daily. The name of the company is Portfolio. They are totally stressing me out and putting me under mental anguish. At this point they should be paying me..
Product: Checking or savings account

Bank of America - issue with closing and dispersement of funds from my late mother 's checking account which is named in a " trust '' but was created under her SS #. 

I am asking for a disbursement in the " Estate Of '' vs in the name of the trust.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$590.00}
Product: Credit reporting or other personal consumer reports

In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters. 

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

I had credit card XXXX account that was buy by XXXX XXXX Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had XXXX XXXX Credit. I open credit card with XXXX XXXX up on XXXX/XXXX/2014 and charge {$660.00}. XXXX XXXX sell the same account to Portfolio Recovery I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with XXXX XXXX in XXXX, I have not received any information yet
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to request the deletion of several fraudulent hard inquiries from my TransUnion credit report. As a victim of identity theft, these inquiries were made without my knowledge or consent and have had a negative impact on my credit score.

The hard inquiries in question are as follows : XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I believe that these inquiries were made as a result of fraudulent activity, and I have taken steps to report the identity theft to the appropriate authorities. As a victim of this crime, I have the right to dispute these inquiries and have them removed from my credit report. 

Unfortunately, I was unaware of the fraudulent activity until recently, which is why I did not report it sooner. I only became aware of the issue when I received notification of the hard inquiries on my credit report. Despite my diligent efforts to monitor my credit report, these inquiries managed to slip through undetected. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or fraudulent information on their credit reports. I am exercising my rights under this act to request that these fraudulent inquiries be removed from my credit report. 

I have attached documentation supporting my claim of identity theft and I am willing to provide any additional information necessary to assist in the investigation of this matter. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. 

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

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXXConduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXXUpdate my credit profile to reflect the correct information as listed above. 
XXXXProvide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXXXXXX 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

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Issue : There are Contingency Funds, which were financed in my XXXX Loan. These Funds were supposed to made available to me. My loan was sold to a servicer. I inquired to the Loan Servicer about these Contingency Funds. And what the process was to use the remaining funds. I was told that I had to have my contractor submit an invoice for the work to be completed. I was never given any additional information on dates or restrictions. After the final draw was sent. I inquired again and then was told that I would not receive the Contingency Funds. As my loan was closed and the money was applied to the principal balance. When reviewing the document I signed. It states that there is a HUD form to be completed. Requesting the Contingency Funds. Any remaining Contingency Funds would be applied to the principal balance. I was 'never ' allotted an opportunity to use these funds. Nor was I advised of the required HUD document when I inquired about the process. I was provided inaccurate information.
Product: Debt collection

Portfolio Recovery has been calling everyday day, 2 to 7 times a day, for well over a year claiming to have bought an old debt of mine from 3 and a half years ago from XXXX XXXX. I still have an active and paid on time XXXX XXXX card. They call from different numbers throughout the day so trying to block them or report them to the do not call registry is getting me nowhere. I have run the gambit trying to get them to stop ... .Ive tried ignoring the calls, reporting the calls, answering the calls to let them know they are misinformed, answering with yelling and profanity, picking up and hanging up and worst of all finally just getting the information and trying to pay them off to go away all to no avail. They have called under " Portfolio Recovery, just XXXX, CT, XXXX Service, XXXX RI, XXXX XXXX, CT '' and on and on all most if not all are from different numbers. They've called 3 times today in 7 hours just today. Any issues I may or may not have had with XXXX XXXX over 3 years ago have long since been resolved or I wouldnt have an account with them now. These someones want to harass someone into the ground to make a buck off of them. These people need to get a real job like myself ... .a XXXX, a XXXX XXXX  working to help our sick residents and potentially not only exposing myself but my loved ones at home. Im so angry! Make them stop IMMEDIATELY! If it hasnt stopped by Monday ill be moving on to more permanent options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX ( Bank ) XX/XX/XXXX Inquiry : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiry : XXXX ( Hotel and travel ) CollecitonsXXXX XXXX XXXX Last reported XX/XX/XXXX 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. Convergent Account # 1234, 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, credit repair services, or other personal consumer reports

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below 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 XXXX XXXX XXXX XXXX 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 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 information is inaccurate.