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

Ive been contacting Equifax for years about this XXXX XXXX XXXX  XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Equifax that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Equifax refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Equifax correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.
Product: Credit card or prepaid card

I had fraudulent unauthorized transactions that were made on my account totaling about roughly XXXX and XXXX is refusing to dispute and refund me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted an Affidavit to update my personal information : My name is : XXXX XXXX - DOB : XX/XX/1971 - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX PL XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX - All other numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I AM CURRENTLY RECEIVING BWC : All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX, XXXX XXXX, XXXX XXXX FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED : XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX
Product: Debt collection

Diversified Consultants has been calling me since XX/XX/XXXX. On XX/XX/XXXX, I sent a letter stating that I do not have any knowledge of any debt outstanding, requested that they provide identifying information for the alleged debt, and demanded that only contact me via mail and cease contacting me by phone. 

That letter was received on XX/XX/XXXX and from XX/XX/XXXX through XX/XX/XXXX I have received 3 more calls from Diversified Consultants in violation of the cease and desist letter. I have not received any written communication from Diversified Consultants, either before or after the cease and desist letter I sent.
Product: Credit reporting or other personal consumer reports

Fraudulent activity on my personal checking account resulting in closure of account and multiple stopped payment one from Synchrony bank of payment exceeding XXXX XXXX XXXX XXXX XXXX Synchrony didnt reach out prior to closing all my credit cards and placing a hit on my credit with the reason of you made a dishonored payment. I would like this removed from credit. I received letter in mail from all the retailers from Synchrony saying my accounts were closed in attempt to settle with Synchrony I paid all my debt with them but was still hit with this on my credit report.
Product: Checking or savings account

I noticed this past Friday that a withdrawal of most of the funds in my savings account was performed without my consent. 
The funds from my savings account went directly into a Citibank checking account. After speaking to my own bank to rectify the situation, I contacted Citibank directly who mentioned that indeed an account was open with my information and has since been closed. They then offered a free XXXX credit check service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about XXXX XXXX XXXX account. They responded with a copy of a bill or lease agreement with handwriting thats not my handwriting and they dont have a copy of the identification of the individual that signed the lease. This is a fraud account and XXXX NEEDS TO PROVIDE PHOTO IDENTIFICATION OF THE PERSON WHO SIGNED THE LEASE and if they cant the account needs to be removed and blocked
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items To : Equifax. 

Account : XXXX XXXXXXXXXXXX XXXX late payment is erroneous. 

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( XXXX ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX XXXX  ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( XXXX  ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days and you must delete the item from my file immediately.
Product: Debt collection

Mortgage with bank of america was first reported delinquent  XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds  XXXX / XXXX / XXXX .   This  3rd  party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.
Product: Credit card

The monthly {$20.00} late fee since XX/XX/XXXX until XX/XX/XXXX is RIDICULOUS!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove this illegal account off of my credit report. I have tried disputing sever times and now it doesnt even let me dispute it. I want this illegal account removed from my credit report immediately. 

15 US 6802, 18 USC 899, 15 USC 1605 15 USC 1692 6, HRJ 192 73 C, 18 USC 894 15 USC 1681B ( 2 )
Product: Student loan

My mother and I took out a student loan through XXXX years ago and it was eventually taken over by American Education Services or AES. My mom makes payments to the loan every month and has been making the payments the same way for the past XXXX or 6 years. Recently AES took over another loan of mine that I had through XXXX with my father, it was a much smaller loan compared to the one I am complaining about. They took this XXXX loan over XX/XX/XXXX and when they did that part of the payments that my mom was making to our larger loan was being applied to my smaller loan. This was an error on AES part. My mom filed a complaint through you already and AES also sent a letter apologizing to her for the error that they made and informed her that they requested for the derogatory information be removed from her credit report and that her credit would be fixed within 60 days. Her credit is now fixed with her score rising back to where it was prior to this happening, however, my score suffered as well and was never fixed. I filed a dispute through credit karma and the dispute was completed saying they removed the derogatory information from my report however, when I pull up my score it was never corrected. Also, when I pull the payment history it says 30 days past due XX/XX/2015 which is incorrect. Any help getting my credit score fixed from this would be a great help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  several certified letters concerning the false, bogus info they are sending to the  XXXX  credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially.  XXXX  has violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork from  XXXX . I spoke to  XXXX   (  Customer Service  ) e xt.  XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX  he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a   XXXX   ( Customer Service  )  told me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was signed  XXXX  She  also told me my last payment was  XXXX .  XXXX  is reporting false info which against the law. This is the reason they not replying to my certified letters!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A section 2 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, 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 ) ( I ) 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX  account # ending XXXX XXXX ( XXXX XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # ending XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX
Product: Checking or savings account

I was a victim of a fraudulent inspection from dealership and inspection station and have the right to return the vehicle I put in claim and Wells Fargo still havent gave me provisional credit or refund for the fraud issue and I feel like they been stealing from me to with my bank account always low for no reason Everytime I deposit something then I be negative the next day the dealership did deceptive trade practices pertaining to me
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXXXXXX XXXX XXXXXXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion XXXX XXXX XXXXXXXX ; whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. The account number on XXXX is not the same as the account number reported to Transunion and XXXX. The original balance and limit reported to XXXX is not the same as the balance reported on Transunion and XXXX. The last payment date on TransUnion and XXXX is different from XXXX too. Those inaccurate reports are violating my rights as a consumer in the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXXXXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXXXXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXXXXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXXXXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether the account is verified or not ; it has become a compliance issue ; which XXXX XXXXXXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXXXXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXXXXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXXXXXX XXXX continues to falsely verify as accurate. This has to stop at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

A collection agency is attempting to collect a debt for alleged tenant damages that were pre-existing. Despite providing evidence that the damages occurred prior to the tenancy, the collection agency has reported the inaccurate debt to the credit bureaus, negatively impacting my credit score. I have disputed this debt with the collection agency and the credit bureaus, but the collection agency remains unresponsive and continues collection efforts. 

XXXX : XX/XX/XXXX : Moved into the rental property and documented pre-existing damages. 
XX/XX/XXXX : Moved out of the rental property. 
XX/XX/XXXX : Received initial contact from the collection agency. 
XX/XX/XXXX : Sent a formal dispute letter with evidence to the collection agency. 
[ XX/XX/XXXX ] : Discovered the inaccurate collection account on my credit report. 
[ Approx XX/XX/XXXX ] : Filed disputes with the credit bureaus. 
[ Approx. XX/XX/XXXX ] : Sent a follow-up letter to the collection agency informing them of the credit bureau disputes and demanding they cease collection efforts. 

Actions Taken : Documented pre-existing damages at the beginning of the tenancy. 
Disputed the debt with the collection agency in writing, providing evidence. 
Disputed the inaccurate information with the credit bureaus. 
Sent a follow-up letter to the collection agency reiterating the dispute and demanding they cease collection efforts.