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

I have disputed a listed bankruptcy on my consumer credit report with Experian that is missing most of the information and listing incorrect information. Experian has not conducted any investigation per the FCRA to obtain first-hand knowledge of the record. They have advised me that their source of information is the bankruptcy court. However, I have a letter from the bankruptcy court that states that they do not provide this information to any credit reporting bureau. This just further shows that Experian is not conducting investigations per the FCRA. They are instead " parroting '' information from some third party such as XXXX which is 1. Not first-hand knowledge by Experian and 2. Not verifiable information due to the bankruptcy courts only providing the last 4  of any debtor 's social security number. It is impossible to pinpoint this case on any individual without the full social security number. 3. The record on my consumer credit report is missing the Plaintiff 's information, the dollar amount of the alleged discharge, and the proper reporting of the court, city XXXX county, and state that is required per the FCRA and USC Chapter 11 provisions.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. Details of Disputed Inquiries : XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. Protection Against Identity Theft : Section XXXXA mandates the removal of unauthorized inquiries potentially related to identity theft. Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint once again without any influences from 3rd parties and/or agencies. Please see the attached documents and identification as it contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect phone number reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report and noticed a suspicious accounts on my report. I have tried disputing this information already and I got no action. The accounts are not mine and are negatively impacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX dealership in XXXX on XX/XX/2021. I repeatedly asked and demanded the representative to not shotgun my credit. He disregarded my request and shotgunned my credit to all of his lenders. He was never given written consent to do this and he can not prove any written signature from me stating that I gave him permission to run my credit multiple times. I have repeatedly tried to take this information off of my Transunion report but Transunion refuses to cooperate with me. 

Transunion has actually not cooperated with any of my requests in regards to my credit report. They have stayed their company policy exceeds the federal law & Fair credit reporting act. I have demanded these inquiries off but they refuse to cooperate with me. I understand that i am the consumer & they refuse to work fairly with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right and I did not Equifax the written pre mission to furnish these accounts. 

Accounts listed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
Product: Debt collection

I received several alerts through XXXX XXXX XXXX a credit monitoring service back in early XX/XX/XXXX. XXXX credit alert notified me and advised me that a new account had been added to my credit reports from IC Systems. The only thing that IC systems listed was their name & address. However, the account information read N/A. If I had not of received an alert from the credit bureau ( s ), I would have never become aware of IC Systems adding a collection account to my credit. One year prior, I had also found out from the credit bureaus that IC systems had been pulling my credit reports and leaving credit pulling inquiries on my credit reports. In XXXX, I reached out to IC Systems certified mail regarding the Illegal and unauthorized credit pulling inquiries. However, the company never responded. In XX/XX/XXXX ; I reached out to IC Systems twice Certified Mail with dispute letters regarding the account that they had added. However, after IC systems signed & received my dispute letters sent certified mail, the company failed to respond. Instead, they intentionally and deliberately updated the same account with the credit bureaus. IC Systems even updated the same account 3 times with XXXX within a one month time span. While their illegal, unethical deceptive practices, continued, I contacted the collection agency certified mail. However, no resolution or attempts to resolve their illegal tactics was ever performed. IC Systems failed to notify me prior to adding their account on my credit reports, and once I found out about their added account from XXXX credit alert, the company then purposely updated and added the disputed account 3 times back to back on my XXXX as a knowingly spiteful method as they continued to fail at responding to my dispute letters. Recently around XX/XX/XXXX ; I received a letter in the mail from IC Systems dated for XX/XX/XXXX. The letter which was sent way after the legal limit of the 5 days of receipt that the FTC and FDCPA outlines, was a balance letter that requested payment with a copy of a bill. After IC Systems has been pulling my credit for a whole year, failed to respond to my dispute regarding more information on their unauthorized credit pulls, the company then waits a whole year to illegally add an account numerous times to my consumer credit reports all while failing to notify me. This is illegal. Their actions are deceptive. They have now finally sent a payment letter due to numerous FTC complaints filed against IC systems for their failure to respond back to multiple dispute letters received by them certified mail, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX mailed XXXX XX/XX/XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. They have still failed at acknowledging any of my disputes. FTC XXXX # 's XXXX & XXXX.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX  showing on Transunion and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and XXXX 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; Transunion, XXXX, and XXXX is XXXX inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; Transunion, XXXX, and XXXX is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; XXXX is reporting inaccurate lates 4XXXX XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; Transunion , XXXX XXXX and XXXX is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; Transunion, XXXX, and XXXX is reporting inaccurate lates The following address information is not mine : 1. 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 wish to bring to your attention that, as outlined in my complaint dated XX/XX/XXXX, I have noted the non-compliance with the law ( FCRA 605b ) regarding the removal of fraudulent entries associated with FTC fraud reports # XXXX, XXXX, and XXXX. In my previous communication, I explicitly conveyed that the failure to remove these specified items, inaccurately reported due to identity theft, would compel me to involve legal representation for appropriate action. It is my sincere intention to avoid legal proceedings, and I emphasize the importance of adherence to the law. In this subsequent complaint, I have once again attached my latest FTC reports for reference : # XXXX, XXXX, and XXXX. I reiterate my request for the immediate removal of the fraudulent items, which were opened without my consent or knowledge. 
-- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXXXXXX XXXX XXXX {$460.00} XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.XXXX XXXXT XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX  Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was recently owned by another company and i had it removed from my report, so the original creditor had to sell it to another company and the have now also added it to my report without my permission. This was my original complaint to the last company that responded and deleted : YOUR COMPLAINT Submitted to the CFPB on XX/XX/2022 In accordance with the Fair Credit Reporting act XXXX XXXX, ( Original creditor XXXX XXXX  ) Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

And this is the last companies response : Company 's Response Company responded on XX/XX/2022 Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collections Collection XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

So therfore : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX Original creditor : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I have a loan with One Main Financial in XXXX Oregon. My payments were set on auto pay, and my payments were being regularly taken every 2 weeks. I noticed recently that One Main had not taken their payment from my bank account when they were supposed to. I tried several times to contact them and left phone messages. I finally got through and they claimed they were trying to call me, and I asked what number they were trying to call and they told my my current number. If they had indeed called me I would have answered or returned any missed calls. Their number is programmed into my phone so I would know it was them. The problem they said, was that they had a copy of the voided check instead of a voided check, and that they could not take any payments from me because of that. The truth is that they had been taking the payment right along every 2 weeks for some time although they did n't have the actual voided check. During the time lapsed that they did not take my payment, they slapped me with a {$98.00} late fee. This is highly illegal and unethical.
Product: Mortgage

I was laid off and notified my lender that it would take 3 weeks before I got paid from my new job. My lenderw wellsfargo did work with me but my HOA would not. I had previous been in a loand modification and was able to catch up on my payments, but my HOA who I had problems with would not take any payments, but They did take funds from my lender wells fargo. I reached out to the lender for help a, I faxed over the documentation on th enotice of default from the HOA XXXX XXXX the collection company is XXXX  XXXX XXXX. 

WellsFargo still does not have a clue about the payment that was made on my behalf. I notified them in XXXX when I got my notice. It was filed on XX/XX/XXXX and the first 90 days ended XX/XX/XXXX. The problem is that Wells fargio is in second lien postion and I was advise to reach out to the lender, but they do not have a clue of what's going on and I'm getting research and no results. Time is of the essence and my contact from the office of the exective offfice is nice but still does not have a clue. 

I was advised by an attorney to reach out to my lender and I have with very little to no help. The property will be foreclosed on within a very short period of time. Once I find the sale date, if I'm not helped by the lender, I will take my mortgage money and protect my property since they are not. This is horrible way to do do business. My account is XXXX my representative is XXXX XXXX, XXXX ext XXXX. This is bad business the lender is willing to allow their lien position to be compromised to second position instead of doing what it take too help provide a resolution. It shows a lack of understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit card payment not late XXXX XXXX FCRA Violation auto loans not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am an XXXX citizen and had an account with SunTrust. I had no problem with SunTrust. Unfortunately Truist took it over. Now I can't make any XXXX payments. Bank has not bothered to inform me about this. I have contacted them several times but the issue has not been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts listed on my credit report that aren't mine. Please have them removed. Thank you.
Product: Debt collection

Account XXXX This letter is to confirm that the account referenced below has been satisfied in full. No further balance is due on this account. 

Reference Number : XXXX Creditor : XXXX XXXX Date : XXXX This communication is from a debt collector. The purpose of this notice is to collect a debt and any information obtained will be used for that purpose. 

If you have any questions, please contact our office at XXXX between the hours of XXXX XXXX. to XXXX XXXX Tuesday through Thurday and XXXX XXXX. to XXXX XXXX. Friday through Monday Pacific Standard Time. You can also reply to this message at XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Credit card or prepaid card

In XX/XX/2020 a cc was opened in my name and Ive tried to have it removed. So now Im here, please remove this immediately
Product: Student loan

Upon entering my repayment period, upon graduation in XX/XX/2011, I was unemployed and needed to reduce my payments to their lowest possible amount. I was repeatedly advised to choose forbearance rather than IBR despite being eligible for the latter and despite the fact that the latter would result in a $ 0 monthly payment and the former resulting in accruing more interest.
Product: Credit reporting or other personal consumer reports

LexisNexis continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed as this would be identity theft and my address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX any other address is not correct and will cause issues with my credit applications and me receiving my mail. LexisNexis is required to report accurate information or this is a violation of my consumer protection rights known as the FCRA.
Product: Vehicle loan or lease

Creditor is reporting incorrect information and balance on all three credit reports. Balance after repossession is inadequate. I never got a receipt telling me for how much they have sold the car. Only got my balance increased and reported incorrect.