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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX days late on payments to this non existent account. This has down extensive damage to my credit score. I am also including documentation from the bankruptcy showing that they have been XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX XXXX XXXX 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
Product: Payday loan, title loan, or personal loan

I applied on XXXX XXXX to receive the PPP loan with XXXX. The loan was approved by Sba on XXXX XXXX to receive funds. I sign documents on XXXX XXXX that my lender would be XXXX XXXX XXXX lending me {$20000.00}. Documents signed & completed on XXXX XXXX been waiting to be funded since then. The documents state 10 days to be funded. No letter or explanation on why the funds hasnt been deposited. They did send out email stating they had issues with the bank XXXX but I bank with XXXX XXXX. So I send numerous chats to XXXX see whats going on. They dont know. Send email to XXXX XXXX XXXX XXXX XXXX XXXX. No response. Sent an email to my local Sba and they provided me with XXXX XXXX information. No help because Ive already sent info to XXXX XXXX XXXX. Then they send me some identity questions on XX/XX/2021. I failed them. Never provided a reason for identity questions. Now I sent 3 different identifications in email to prove to let them know its me. These lenders dont know anything. They dont have a phone you can contact them. Where funds was supposed to be funded weeks ago & who knows whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was asked to verify the closed account on the consumer report. Transunion has violated 15 usc 1692g for validation of debts as they have not informed the consumer of who the debt belongs to. They have only sent communication stating that they have verified the information. They have not sent a signed contract to the consumer that would Validate the debt. 
Transunion is in violation of 15 usc 1681b ( 2 ) as they do not have my written consent to furnish these " Closed Account ''. 
Transunion has run me in circle for a year about these debts that I do Not Own.
Product: Vehicle loan or lease

To Whom It May Concern, I purchased my vehicle, a XXXXXXXX XXXX XXXX at the beginning of XX/XX/XXXX. I made all my payments on time or earlier than the due date until I became XXXX in XXXX. At the time, I was employed as a XXXX XXXX and was not able to work due to the worsening of the XXXX I received on XXXX XXXX in the United States XXXX XXXX. I contacted Wells Fargo numerous times and spoke to several different loan employees explaining that I was waiting for the XXXX of North Carolina to pay me my short-term XXXX pay. The last person I spoke to at Wells Fargo was rude and nasty as I was explaining my situation to her. Within a few days of this last conversation, my vehicle was repossessed leaving me with no way to go to the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX, to obtain medical care for my injuries. When I received my XXXX XXXXXXXX pay, I caught up on my payments and asked for the exact pay-off amount of the loan. The Wells Fargo lady I spoke to acted like she did not want to give me this information. I paid off my loan in full and expected my credit report to report this ; however, my credit report shows that the loan was charged off. I will find all the pertinent information if it is needed for my claim to be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # # # # # # # # # # # # XXXX, # # # # # # # # # # # XXXX, # # # # # XXXX, # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

I was unable to open up a checking account with well Fargo because the previous accounts were close by the bank and I explain to well Fargo I never applied for checking and savings account in my name and someone used my information or well Fargo has open up accounts in my name without my permission back in 2010 and I want my data removed from there system and want to have a bank account open in my name.. 

I never applied for well Fargo checking account I need have those previous account investigated thanks
Product: Credit reporting or other personal consumer reports

Barclays Bank of XXXX Delaware will not remove negative account off of my credit report. Although was instructed to call and they will remove me. This is causing my credit score to suffer tremendously.
Product: Checking or savings account

Overdrawn reimbursement of obersrft
Product: Credit card or prepaid card

BB & T has once again done the unthinkable. I have a XXXX son who has been XXXX since 1985. He is XXXX from the XXXX XXXX XXXX XXXX. He had my name of his account only if he becomes XXXX and can not do things for himself. He, XXXX XXXX is the only one who can access this account according to the XXXX BB & T. He has called because of a prior issue that came up some time ago and was assured No one had access to this account unless he passes on or becomes XXXX XXXX. BB & T took funds from his Personal account and paid My past due Credit Card bill. XXXX uses this account for medical expenses and XXXX equipment and his private use Only. I have Power of Attorney to be used only with his permission and funds to be withdrawn for His Private Purpose only. BB & T withdrew {$1100.00} from his account that once again, he was assured only he could access. This transaction was done by BB & T Recovery Department, XXXX, NC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to TEMPORARILY lift my security freeze and I receive an error message each time. 
The error message says I need to copy that page and send it in the mail with a copy of my DL, Current Address, Utility Bill, Something that has my social security number so I sent my 1099. These documents were sent since they were requested! They have received the documents so why am I still denied access and nothing was mailed to me about my pin. When I mailed the documents to EXPERIAN I mailed it as Certify Mail, and I ALSO MAILED A CERTIFIED COPY TO MYSELF. 
This was mailed XX/XX/XXXX and it's now XX/XX/XXXX. ATTACHED will be the proof! 
I have proof they received the documents requested! And proof that I received the same letter, I certify mailed both. XX/XX/XXXX. 

I NEED TO TEMPORARILY LIFT MY FREEZE AND I AM STILL BLOCKED! 
( RETALIATIONS due to previous complaints ) Experian has my correct name, DOB, SSN, Current Address, and Proof that I am here. They have always known where I lived. 
THEY HAVE MADE NO EFFORTS IN HELPING ME WITH THIS ISSUE. 
I tried again today XX/XX/XXXX to temporarily lift my security freeze and I am still being denied. RETALIATION! 
The error message that I am receiving is requesting for me to do what I have already done on XX/XX/XXXX. I DON'T NEED TO KEEP DOING THIS UNTIL Experian is CONTENT! 
My account should have NEVER BEEN BLOCKED, AND IT STARTED THIS YEAR XXXX. 
I have been at this new address since XXXX. This childish game they are playing has started in XX/XX/XXXX so if they were that interested in SECURING MY ACCOUNT THIS SHOULD HAVE STARTED in XXXX. 
My account should have been corrected or updated 2 months ago and it's a shame they are purposely not helping me? 

I am now going to gather up my complaints and give them to an attorney, I had enough!
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me and are appearing on my credit report without my authorization : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, Phone : ( XXXX ) XXXX ) - This is a collection account that I never opened, yet it appears on my report. 
It is negatively impacting my credit, and I demand its removal as it is not my debt. 

XXXX XXXX  XXXX. ( XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX ) - This account has been paid off, yet it still shows an outstanding balance. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Phone : ( XXXX ) XXXX ) - I have never had any accounts with this lender, yet it is being reported on my credit file. 

XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX, Phone : ( XXXX ) XXXX ) - Late payments are incorrectly reported, despite my payment history being on time. I have provided proof of timely payments, but the issue has not been corrected. 

XXXX XXXX  XXXX. ( XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX ) - The account was fully paid, yet the credit bureau continues to report an outstanding balance. 

There are hard inquiries on my report that I did not authorize, and they must be removed : XXXX XXXX  ( XXXX XXXX XXXX, XXXX, OR XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IN XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX Incorrect Public Records A foreclosure is listed on my credit report, but I have never had a foreclosure in my name. 
A financial judgment appears on my credit report, yet I was never notified or involved in any legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian will not allow me to dispute this item that is now " Paid '' due to constant issues with them deleting the account history status that is recorded monthly since opening account of which caused a 'LOWER '' scoring model to be used on my credit report. It is showing " Missing Status History '' Currently but has been " Paid '' on XX/XX/2023.
Product: Student loan

My complaint is, even with a payment plan amount of {$0.00} due monthly tgey still charge interest as though I missed a payment.
Product: Credit reporting or other personal consumer reports

So I have tried too get XXXX, XXXX, and Transunion to get collections off of my Credit report. Collections that are on Credit Report is a violation because it is a Certificate of Indebtness and also considered as income and it can not be reported on my Credit Report.. 

I demand deletions of these account : 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are showing inaccurate info regarding a bankruptcy. This bankruptcy should not be on my credit report. I sent letters to all 3 major credit bureaus including XXXX, Experian and XXXX and my letters we're either ignored or the results came back as verified but this can not be accurate. The response from Experian and XXXX was received XXXX2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report from all XXXX credit beuros I noticed several inconsistencies with the dates open, dates closed and reported. I have asked the companies to investigate and confirm everything is accurate and they state everything is accurate. 
XXXX5 use 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account without written instructions. 
I believe my rights have been violated and negative reports have inaccuracies. I am requesting that you investigate on my behalf and remove all negative reports from my credit report from all 3 credit reports.
Product: Bank account or service

Fifth third banks calls non stop and out side out side of XXXX daily repeated calls and sends threatening after days of being withdrawn. They charge so many fees and are not willing to remove over XXXX pre year but they will charge up to three times for XXXX item and anything over XXXX $ which is unfair. They fees are extremely high and un necessary. They have violated my rights as a consumer and almost every way possible and they have done the same thing to my best friend as well.
Product: Mortgage

Nationstar failed to provide proper notification of monthly payment increase, fialed to provide proper notification of annual escrow analysis completion, failed to provide proper notification of increase in autodraft, failed to respond to direct complaint within 30 days, failed to provide explanation of creating escrow cushion at 1/12th which deviates from the RESPA 1/6th ruling, failed to respond to direct question " if the shortage payment is made in full, will that reduce the monthly payment to the previous lower amount? ", and failed to provide a copy of the recorded conversation on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing this compliant reguarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my continuing efforts to resolve this matter directly with the reporting agency, it still remains unresolved. I request an immediate investagation and removal of these items, as it is incorrected and dose not reflect my true credit.

Inaccurate payment history Inaccurate 3 late payments Inaccurate 9 Hard inquries Inaccurate reporting of credit usage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Allied Collection Services
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified Experian, XXXX XXXX and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting
Product: Debt collection

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with LVNV Funding LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving LVNV Funding LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from LVNV Funding LLC. If LVNV Funding LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and credit collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting

I asked this company to remove inquiries dating back to 2015 that are not mine. I paid for credit monitoring services and they still refused to ever remove the inquiries. I simply want the inquiries removed so my credit report is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation that XXXX COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information TRANSUION received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 



Docket # XXXX XXXX COURT MARYLAND Bankruptcy court dont report to the credit bureau . PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint to TransUnion in regards to them violating my privacy and consent rights. Im still waiting a response from Trans Union
Product: Credit reporting, credit repair services, 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
Product: Mortgage

I established a HELOC with Chase over 10 years ago. I agreed to a XXXX fixed rate. I noticed in the last five years that the payments were different every month. I finally got someone on the phone who agreed with me and set my payments at XXXX per month. I put that amount in bill pay and life moved on. Before my XXXX XXXX XXXX XXXX XXXX  I again noticed that my payments were all over the place and I called them again to find out what the problem was. I couldnt get anyone on the phone and continued paying the above amount. In XXXX of this year I received a message from XXXX which indicated that chase had posted a negative hit on my credit report. I called Chase again and was told I would have to pay a balloon payment to get my account back on track. This balloon payment from XXXX to over XXXX in one month. I have been declared XXXX by the state of Maryland. Unfortunately this has been extremely stressful for me. I dont know what to do. Any advice would be helpful. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.