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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 

XXXX : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 

XXXX XXXX XXXX : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 
I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Checking or savings account

On XX/XX/2021 there was a charge on my checking account with Bank of America in the amount of {$1400.00} and on XX/XX/XXXX another charge in the amount of {$390.00} through a merchant that I previously used for my business. The merchant is a remittance center that I used to send international transfers in the past for products for my business. I did not authorize these XXXX charges and I was not aware of them until my bank sent me a notification saying my funds were low and thats when I viewed all transactions and noticed this issue. I immediately contacted Bank of America and started a fraudulent charge claim on XX/XX/2021 they cancelled my debit card and sent me a new one and informed me to look out for the claim status within XXXX  days. Today is XX/XX/XXXX and I got a notification that my claim has been resolved but not paid. I did not authorize those XXXX transactions on my account and the bank needs to refund the money to my account and resolve this issue.
Product: Credit reporting or other personal consumer reports

Remove hard inquiries from my credit report 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 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 Experian 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 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 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXX  TO Date of inquiry : XX/XX/XXXX Delete this account. 

14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

15. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Good morning. Experian continues to miscalculate and report my credit score. In XX/XX/XXXX my student loans were paid off but my account didn't reflect the status so I dispute and XXXX reported accurately but Experian would not update accordingly so I called Experian and they required me to send them documentation that showed the loans were paid off and account closed which I did. In XX/XX/XXXX, Experian reported the loans were paid off/closed but did not update my credit score after such a major pay-off. The only credit card that was never late was paid off and my score decreased by XXXX points effective XX/XX/XXXX. I contacted Experian to find out why my score went down and the representative simply said it's how the system calculates and there's nothing they can do. In the meantime, I've been receiving marketing emails from Experian for credit cards and the use of one of their credit building programs. Is that coincidental or a tactic? Why am I being penalized for trying to improve my credit standing by actually paying off debts?
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of accounts on my credit report by the three major credit bureaus : XXXX, XXXX, and Equifax. I believe that these reports contain accounts that do not belong to me, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to resolve this matter directly with the credit agencies, including multiple requests for debt validation, I have not received any satisfactory responses or documentation confirming the legitimacy of the disputed accounts. As a result, I am reaching out to you for assistance in rectifying this situation. 

On XX/XX/XXXX and XX/XX/XXXX dates of my communications with the credit bureaus ], I submitted requests to each of the credit agencies, asking them to validate the accounts that I believe are erroneously attributed to me. I provided all necessary information and documentation to support my claim ; however, I have not received the required debt validation reports, nor have I seen any action taken to remove these inaccurate accounts from my credit file. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I am requesting that the credit bureaus provide a wet signature or original documentation as proof of debt validation for the disputed accounts. A wet signature is crucial to verify the authenticity and accuracy of the claims against me, and I believe it is my right to request such proof under the FCRA. The absence of a wet signature or valid documentation should lead to the immediate removal of these accounts from my credit report. 

The presence of these accounts on my credit report is adversely affecting my credit score and overall financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that my rights are upheld by the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Student loan

Requested a deferement but is showing on my credit part as late payments.
Product: Credit card or prepaid card

I received a credit card from Capital One where I have never gave my authorization to open accounts. I called them immediately and cancelled the account, but result of closing account, it'll affect my credit record negatively. They have my personal information and I can't verify that they erase my information. ( I told them to delete all my information ) I also asked them to report their fraud department to investigate why and how they send me an unauthorized card. Hopefully Capital One does not sending unauthorized card randomly to capture unaware consumers. I just wanted to report that this kind of fraud could be possible and may need to investigate.
Product: Debt collection

THE COMPANY IS USING CALLER ID SPOOFING TO TRY AND MASK THE NUMBER. I HAVE TOLD THEM TO STOP CALLING ME NON STOP, THEY CALL FROM THE SAME 3 SPOOFED NUMBERS 3 OR MORE TIMES A DAY. THE FIRST FEW TIMES I MISSED CALLS AND WHEN I CALL BACK SOMEONE ANSWERS AND SAYS THEY NEVER CALLED ME SO I FINALLY ANSWERED TO GATHER INFORMATION ABOUT WHO IS CALLING ME NON STOP WHILE I AM WORK.
Product: Credit reporting or other personal consumer reports

I the consumer have the right to make sure my private information is not shared which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic information. '' These credit reporting agencies are in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report. These credit reporting agencies are reporting information regarding my payment history without my consent. I have not authorized them to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization. I am exercising my right to opt out of your reporting services per 12 CFR 1016.7 that states " A consumer may exercise the right to opt out at any time. '' The financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked from XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

During XXXX of XXXX and despite my account information being on the wire advice Bank of America misdirected a wire transfer payment from XXXX in XXXX to me/my XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX EIN : XXXX ) to an unrelated entity, XXXX XXXX XXXX I was able to correct the banks mistake by getting a check from the unrelated entity so there was never any correction at the bank. Subsequently, Bank of America forcibly closed my personal and business accounts in XXXX despite my XXXX years of business with the bank including a satisfied mortgage obligation. Then in XX/XX/XXXX, I was unable to open a personal depository account at the bank and the business account that I was able to open was forcibly closed by BofA on the very next day. More recently in XX/XX/XXXX, I was denied opening any accounts at Bank of America without explanation. Based o the earlier wire transfer mistake and the banks not accepting any new account for me, and my significant past business with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX of whom pay by wire transfer, I believe that several past wire transfer payments intended for me or my business were credited elsewhere that Bank of America now does not want to repay.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Apple Card is reporting information all of my credit files that is inaccurate. 

Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with Apple Card is showing 2 different dates. 

My XXXX credit file is showing XX/XX/year> as the date the account was opened. XXXX is showing that my account was opened on XX/XX/year> and XXXX is showing that my account was opened on XX/XX/year>. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies being reported on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due their job and facilitate this issue so I can regain my financial freedom. 

I NEVER gave my consent verbally or in written form, for my PERSONAL INFORMATION to be reported to ANY Credit Bureau.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request a re-investigation regarding inaccuracies on my credit report. I initially submitted a request for investigation on XX/XX/year>, concerning certain accounts that I believe are reported incorrectly. While I received notification that the accounts were verified, I must express my concern that the inaccuracies - Account Name : XXXX XXXX - Account Number : XXXX - Date of Report : XX/XX/year> I have thoroughly reviewed my credit report, and I believe that the information presented is not accurate. This inaccuracy is impacting my credit score and financial well-being. 

According to the Fair Credit Reporting Act, I have the right to dispute information that I believe is inaccurate, and I expect that you will conduct a thorough re-investigation of my claim. I am prepared to provide any additional documentation necessary to support my position. 

Please confirm receipt of this letter, and let me know the next steps in the re-investigation process.I will also would like an updated copy of my credit report. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

I will attach a copy of my ID and Social Security as proof of my Identity.
Product: Credit reporting or other personal consumer reports

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

I requested debt validation from Security Credit Services. The collection agency did not provide proper validation. Instead they provided a statement of account, then asked that I provided a forgery affidavit, a police report and my Identification.

The FTC guidelines don't require a copy of your ID, as that poses a risk. Under the FDCPA, debt collectors aren't specifically allowed to demand ID, when they have made an error in reporting that debt. I did provide a copy of my police report. The statement of accounts that were provided VIA the XXXX XXXX XXXX XXXX XXXX had an incorrect unit number. Also I contacted the original creditor and the middle initial that they have on file is not my middle initial. 

I'm uploading a copy of my police report again, and my ID THEFT REPORT from the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has TWO entries ( of type 'Line of Credit ' ) for a single account Name : XXXX XXXX XXXX XXXX Line of Credit - One entry shows - Wrong account # : - An old balance from 7 months ago - No payment updates since 7 mos ago - Other entry shows more recent balance - Accurate account # - Relatively recent balance - Payment dates START 7 mos ago ( see a correlation? )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/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