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

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
XXXX Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

This is a formal complaint against Transworld Systems ( TS ) for violating the conditions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the FDCPA requires every collector to send a written validation notice stating how much money is owed within five days after first contact. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. Although I noticed on my phone that I had been called by Transworld Systems ( but never talked to anyone ), this attempt to communicate serves as first contact. However, I did NOT at any time receive a written validation notice from TS within five days, as the FDCPA requires. 

In addition, and although I questioned the validity of this debt from an ER doctor out of network for XXXX, I had made a significant payment as recently as XX/XX/2017 ( after my SS check was directly deposited ), which was before Transworld Systems became involved. Within the last several days, and being in violation of the FDCPA, TS wrongfully turned over this small debt ( {$130.00} ) to the credit agencies, creating unnecessary havoc where none should have occurred.
Product: Credit reporting or other personal consumer reports

I am currently experiencing financial stress due to inaccuracies in my report, which is limiting my opportunities.
Product: Credit reporting

We applied for a home mortgage and our application came back with serious delinquencies and other issues on both my wife 's and my Credit Score Information that was provided by Experian. They are the only agency that reported any issues, none from XXXX or XXXX. 
I went to the Experian website and entered all the information, including my SSN and then was left with a blank webpage with no options and going back in the browser deleted all the sensitive information I had just provided to Experian. They have no way to contact them by phone as every number defaults to the same voice menu. 
My complaint is that I/we have always have excellent Credit and these Experian reporting 's are not just incorrect they are a serious consumer abuse that they have the right to damage consumers confidence in the Credit reporting system and the arrogance to be out of contact when their website does not work.
Product: Debt collection

I am writing to request that you stop the wage garnishment that is currently being imposed on me. Theres nothing on my 3 credit reports ( XXXX, XXXX, and XXXX  ), showing that I owe a Portfolio Recovery Associates LLC, no outstanding bills on my current accounts and closed paid accounts. My credit reports states that all my bills are paid in a timely manner and shows closed accounts paid. I cant afford to pay any company or person for any unknown unfamiliar bills/debts. Portfolio Recovery didnt provide explanation, description, or details of who, when, what, how, and why do I owe them or what vendor or business owner, whoever it is. I believe Portfolio Recovery LLC is violating one of my rights, harassing me and trying to bully me by taking my money without giving me specific descriptive details of what year, what it was that I supposedly had purchased or bought or what business owner do I owe? 
XXXX XX/XX/XXXX I received a strange, stressful and unknown court mail that a Portfolio Recovery is garnishing my wages with no details no description no $ dollar amount, no name of who or what I supposedly bought or purchased or what bill did I not pay? There's NOTHING showing on my 3 credit bureau reports of having any outstanding purchases no outstanding bills owed to any company or business. I thought this was a scam, false, or fraudulent documents. 
XXXX XX/XX/XXXX I received another strange unknown stressful mailed court document of Portfolio Recovery to garnish from my wages an unknown amount of {$1800.00} ( a bill I have no clue or reason why ). In XXXX ( XXXX years ago ), my purse was snatched by XXXX men with all me and my kids ' credit cards, social security cards, and bank cards- maybe this is some type of identity theft from somewhere. I reported that incident to all 3 credit bureaus many years ago.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is incorrect information being reported regarding the following. 
Tradelines. According to 15 USC 1681 section 609 states the CRA can not provide incoreect or erroneous information. 

I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions According to the statutes listed the first violation is privacy my transactions should not reported or furnished without my wrutten concent. 

1. DEPTOFEDXXXX ACCT NUMBER XXXX Last Activity Transunion XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Date Open Transunion XXXX XXXX XXXX XXXX. XXXX Creditor type Transunion Miscellaneous Education XXXX XXXX XXXX XXXX. Miscellaneous Finance
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from MRS BPO , LLC ( located at XXXX XXXX XXXX XXXX, NJ XXXX ) concerning an alleged debt for XXXX XXXX under XXXX XXXX # : XXXX. I disputed the validity of the debt with XXXX XXXX XXXX via e-mail and their online dispute form. According to XXXX XXXX XXXX : " If you write us by XX/XX/year> we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX XXXX XXXX 
Although I disputed this account and have not received any response, I am seeing a collection with XXXX XXXX on my XXXX credit report. I also received no contracts to validate the alleged debt. I am submitting proof that my dispute was submitted before XX/XX/year> and so there should be no collection from XXXX XXXX on my credit repoit.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally file a complaint against Equifax and XXXX XXXX XXXX XXXX for violations of federal laws, specifically under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq. 

Issue : The account in question, a XXXX XXXX XXXX XXXX installment account, has been reported on my credit file by Equifax as " charged off '' but simultaneously reflects an outstanding balance of {$9600.00}. This reporting practice is in clear violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy in the information contained within a consumer report. 

A charge-off designates the account as a loss for the creditor, written off for profit-and-loss purposes, and no longer considered collectable. However, it is inconsistent and misleading to maintain both a " charge-off '' status and an outstanding balance simultaneously. The reported status creates an inaccurate and unfair representation of my financial position.

Additionally, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( in this case, XXXX XXXX XXXX XXXX ) have a duty to provide accurate information to credit reporting agencies. By reporting a balance on a charged-off account, XXXX XXXX XXXX XXXX has violated this statutory requirement.

Moreover, under 15 U.S.C. 1601, th
e Truth in Lending Act requires accurate disclosure of terms and obligations in credit arrangements. This misreporting may also lead to violations of TILA by failing to clearly delineate the status and financial obligations of the account.
Product: Payday loan, title loan, or personal loan

In spite of a XXXX XXXX monthly payment, this loan balance never decreased. I experienced a reduction in income and could not afford the payments so I signed up with a credit counseling agency. There was no resolve to the issue and Ive been behind ever since. This loan opened XX/XX/2018 total amount borrowed was {$3500.00}. Today the balance reported on my credit file is {$10000.00}. It has almost tripled. How can I ever pay this off. In the meantime it is killing my credit. I have disputed the information to no avail. I dont know what to do.
Product: Checking or savings account

I am a victim of the Bank of America issue with the XXXX freezing accounts I have spoken to him for the past five months and I still have not gotten help and I have nearly giving up it's so hard especially everything is going on not only did they freeze my account and whatnot also money was taken from my account from a XXXX XXXX  account and I try to make the attempt to figure out who was and with cash at the only let you message him to the inbox when you use your own account while I didn't steal any money for my own card so course it can't help me and isn't XXXX number anyways I have told Bank of America I need to get my money they have XXXX my money and I want it and they won't give me my funds either hang up on me or the transfer to different apartment at saying that we can not assist me and XXXX said that they did their part that my sponsor which is XXXX needs to do their part and I've been waiting every since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax verified a fraudulent debt with XXXX XXXX as accurate ; and is inaccurately reporting an account as a debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian all show an incorrect balance for XXXX/XXXX XXXX. This account has had a XXXX balance for more than 30 days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.
Product: Debt collection

This company ( Consumer Collection Management , Inc ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company ( XXXX ). Reporting of the debt is a violation of the FCRA.
Product: Mortgage

After several calls to Customer Services Representative on Tuesday XX/XX/XXXX sent the here included text to this company : PLEASE, Please read the letter here included that you sent to me from your Research Department. 

1. I have make all payments since XX/XX/2021 as my Bank Statement ( here included ) showed. Your Research Department letter also mentioned that since XXXX there are no payment missing. 

2. On XXXX you reduced from my XX/XX/2021 payment of {$2000.00} the amount of $ 990.11and applied it to the XXXX incorrect bill of {$3000.00}. 

XXXX. Reason was the XXXX payment was raised to {$3000.00} due to the escrow analysis. That payment that XXXX make to the XXXX XXXX XXXX XXXX office for {$3100.00}. That amount was reimbursed to XXXX by XXXX on XX/XX/2021 as your letter mentioned and files showed. 

4. XXXX billing never adjusted the XXXX bill to the real amount of XXXX. Then releasing the {$990.00} that will need to be reverted to the XX/XX/2021 payment of {$2000.00}. 

5. That amount of {$990.00} will offset the amount of {$960.00} that your letter stated that I ought for XX/XX/2021. 

6. Hopefully this time someone can made the correct things and fix this issue. 

Thank you and blessings! 
XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$480.00} XXXX XXXX  XXXX {$610.00}
Product: Credit reporting

Update to prior complaint, as I have received a written response from Experian. Prior scanned correspondence has been submitted to you regarding this, and additional scans are being provided now. A total of XXXX re-aged alleged missed payments remain on my credit report. My request for copies of my original, signed consumer disclosure statements with documented payment history for these student loans has been ignored. Experian 's response does not even address that I requested written proof of their investigation, as shown in my original handwritten and notarized letter with proof of mailing already submitted to your office. I requested these for the purpose of establishing that debt re-aging had occurred numerous times in my credit file. I requested either written verification and proof of payment history, or in the absence of this, that the accounts be deleted. It is their choice as to which way they preferred to proceed, but completely ignoring what I am legally entitled to request and see was not one of Experian 's options here. However, Experian would have you and I believe the payment history has again been erroneously " verified '' without any written proof of this and that we should all simply take their word for it. This is precisely why I felt compelled to write you once again. Please help to get my credit report corrected so that I can stop being illegally penalized and denied credit as a result of Experian 's failure to keep accurate records.
Product: Credit reporting or other personal consumer reports

am writing to follow up on my previous communication regarding discrepancies in my credit report. This is my second written request regarding the matter. 

Despite my previous inquiries, the unverified items on my credit report have not been rectified, which is in direct violation of Federal Law, specifically the Fair Credit Reporting Act ( FCRA ). As per the FCRA, you are obligated to possess a copy of the original creditor 's documentation to verify the accuracy of the information being reported. However, I have not received any documentation from you as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, including a consumer contract bearing my signature.

In response to my previous investigation request, you stated that the items in question were " verified '' to be reported correctly. I am now questioning the validity of this verification process. Who exactly verified these accounts? And based on what evidence?

Under Section 611 ( 5 ) ( A ) of the FCRA, you are mandated to promptly delete any information that can not be verified. Since you have failed to provide me with the necessary documentation to verify these items, it is imperative that they are removed from my credit report immediately.

I expect a prompt and thorough resolution to this matter. Failure to comply with the FCRA regulations will result in further action being taken.
Product: Consumer Loan

I purchased a car from XXXX XX/XX/2016. They had me finance through prime acceptance. The title to the car was never supplied. In a year and three months through 2 bonded title processes and making a complaint with the MVD, i drove around on a dealers plate, 2 90 day tags, and 3 30 day tags the company went out of business. The finance company repossessed my car three days ago stating the claims was because of 2 late payments. However, the title had never been furnished for me to get hard plates. And the car went to the auction the next day. I was told the only way I could get the car back was to make the full payment on the loan. Will from prime acceptance told me that they ship their cars out of state.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with in 24 hours ( XXXX XXXX. XXXX ) 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. The accounts are XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX