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

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from your CBCinnovis/XXXX XXXX  being reported to his XXXX and XXXX   credit reports. This inquiry was made XX/XX/2018 and was done without his consent. A formal dispute was provided to CBCinnovis/XXXX XXXX XX/XX/2018. While the item was supposed to have been removed as fraudulent the data is still being reported to the XXXX   credit report as of XX/XX/2018 ; this is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$0.00} ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX  from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to file a complaint regarding ChexSystems reporting fraudulent inquiries on my consumer report. These unauthorized inquiries, which are the result of identity theft, have negatively impacted my ability to open a bank account. Despite my attempts to address this issue with ChexSystems, the fraudulent inquiries remain unresolved. I am seeking your assistance to ensure that ChexSystems investigates and removes these inaccurate entries in compliance with applicable consumer protection laws. 

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 XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX, I was charged {$90.00} in fees but after speaking with the mortgage company twice, no one can tell me what they are for except to say that it is late fees from XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX, I have been charged {$340.00} in fees and can not figure out what these fees are for. My statement shows only " fees '' - no explanation as to what the fee is for.
Product: Debt collection

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Copy of signed HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

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

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Today I received a call from EOS-CCA, a collection agency regarding a student loan in my daughter 's name. I am not a party to this transaction. I filed a complaint regarding XXXX XXXX XXXX continued calls ( XXXX calls to me ) after I informed them I am not a party to the transaction and to stop calling me - see complaint # XXXX. 

In XXXX response they stated the turned the transaction/collection back over to the bank, now I am getting calls from this company! 

I told them the same thing, and asked them to stop calling me which they said they would. 

My problem with these tactics is that the bank/lender is shopping this around to new collection agencies and we start anew each time and I get harassed over and over. 

Should the bank be responsible to notify the collection firm that I am NOT the debtor and not to contact me. Likewise, is the bank responsible for my ongoing harassment as they are providing my contact information to these firms and I have NO relationship with this bank. 
SincerelyXXXX XXXX
Product: Debt collection

In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to XXXX derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.
Product: Credit card or prepaid card

After waitng on my much needed unemployment money i called way2go card and informed them i wanted a change of address and a new card since i moved last year. We went through all steps she confirmed my new address and my card was on its way to me with my money on it.But thats not what happend the agent poorly didnt save my new address and sent it to wrong address where someone was able to use my card and take my money leaving me more stressed and behind bills..I became aware only because i paid XXXX for expedite shipping which was 2 days when a week went by i was concerned and called way2go finding out someone used the card and that they sent it to wrong address.i followed all protocol with paperwork even after calling day by day being on hold for hrs to be disrespected by agents and them not helping me in anyway.Evenn after admitting it was there fault.
Product: Debt collection

Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I request that you provide proof of the charge-off status for these accounts. In the absence of such evidence, I insist on the immediate removal of these accounts from my credit report. Despite my attempts to clarify the validity of these debts with XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), they have failed to provide any documentation confirming the legitimacy of the reported charges. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.
Product: Consumer Loan

I am being charged a late fee o f $ 700+ d ollars by a loan servicing company by the name  of ACIMA whi ch was formerly known as   XXXX   XXXX  . I signed legal documents authorizing this company to take out automatic payments every other week of the amount of {$100.00}. However when it was time for the 90 day buyout option for my furniture I was misinformed by a representative and charged a late fee. No where on my contract does it say I was to call this loan servicing company authorizing a final payment I already signed a legal document for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted experian, XXXX and XXXX regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.
Product: Debt collection

XXXX XXXX XXXX refuses to send me an itemized statement and bill. I have requested this in writing multiple times since XX/XX/2018. I have made payments to this account. They will not respond.
Product: Debt collection

XXXX your own addition to the last complaint you stated each purchase of your debt was done on or about XX/XX/XXXX yet I mailed XXXX a certified copy of the court and its on my credit report right now that I was arrested on XX/XX/XXXX and XXXX on XX/XX/XXXX XXXX your own report your lying on. The fact that you probperly contactact me.. your own reports state the time and my credit record shows my XXXX dates .. your violating the fair credit act.. I mailed a certify copy of the dispusition of the court to show when I was arrested yet you choose to ignore the facts. Its not my fault u assumed responsibilty of a debt and then didnt take proper actions to ensure it. Its your error now remove it from my report your causing me hardship
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX
Product: Checking or savings account

Hi, So i Recently made deposit of large amount of checks from state of california it was a back pay for my job as an IXXXX XXXX for me XXXX this program for family 's with XXXX  family member and a family member can provide the support i was approved to provide in home care for my son since my application date was XX/XX/XXXX  and it took so long to get approved the state sent me all back pay from the time i applied i then went to the bank and deposited the amount into my bank account it was fine i went and made some small purchases and everything was going well. Until I decided to pay off my husband car loan on XX/XX/XXXX around XXXX XXXX  we went to the XXXX  XXXX XXXX and tried to pay off the loan the transaction didnt went trough, After that my card was keep getting declined so the next morning janurayy XXXX around XXXX XXXX  i called the bank and asked them why my transactions getting declined the tier one support transferred my call to Fraud department. 
This is where the story begin a very rude lady starting all the questions i all ready answered to the tier one agent whom i was on a call with for 30 minutes i asked the Fraud department lady why she is asking me same questions all over again she should have all information from tier one who connected us she got mad and Said okay bye have a good day and hang up on me. 
Few minutes later around XXXX XXXX  up on checking my account online I noticed i cant login and access anything where i was able to login and access everything before calling the bank so i called again and someone from fraud department asked some questions from checks I deposited and told me that your account is frozen due to check deposits and we will investigate this it will take two weeks i told them several time that those checks are from state of California and you can call the issuer if you have any questions from me i can answer but no my account is still frozen and no one is taking care if it. 
I am attaching receipt from the days of deposit and also some email screen shot from the sender of checks the confirms it is coming from a legitimate state office. 
PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

CFPB I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( a ) ( 1 ) ( A ). Equifax failed to re- investigate my dispute and did not delete inaccurate information from my credit report. These practices are consistent with violations highlighted in the CFPBs lawsuit against Equifax.

attached is a copy of my dispute letter to Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the XXXX credit bureaus as well as USAA SVG BK challenging the factual, accurate, and compliant reporting of this account XXXX  times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB complaint ( XXXX ). Equifax response was " FACTUAL RECORD OF FILE ACCESS '' for each inquiry I have disputed. I simply asked Equifax to send me the documents that they used to verify the accuracy of the disputed item ( s ). It's the business record ( the document ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s ). The company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit. 

I have attached again my letter to Equifax that was dated XX/XX/2022. As you can see in the highlighted areas i asked them to verify the accuracy of my inquiries and to give me a copy. 


Please help me to have Equifax to show me the documents that they used to verify these inquiries. If they fail to do so, i want these inquiry 's to be deleted from my credit report and be sent a new report to my home address.
Product: Credit reporting

I contacted Transunion to request they remove all of the hard inquiries to my credit report since I did not request them. They refused. 
Below is the list of hard inquiries. Some of the hard inquires were on my credit report multiple times. 

XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX AND XXXX