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

I have filed mutiple complaints against Equifax for refusing to report my XXXX XXXX account number XXXX on my credit report even after requesting the information from XXXX XXXX and XXXX  sent the documents Equifax still refuse to add the documents are attached and Equifax refuse to respond to XXXX XXXX documents also attached Equifax only response to me is that the account is not on my credit report i understand that thats why XXXX  contacted Equifax and was told what to provide and they would report it but Equifax still refuse the following complaints have been filed Date. Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the documents that Equifax stated they would add the XXXX XXXX account XXXX to my credit report when XXXX sent is also attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing 2 items in dispute and XXXX and XXXX are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protections Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumebr.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these account. Actually I am not sure that the accounts are even mine though your company claims to have verified these. 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 XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

US Bank closed my online business checking account which had {$5100.00} in it. They did this without my knowledge on or about XX/XX/2023 and have not sent my funds back to me and will not tell me when or even if I will ever get them back. They simply tell me they have no timeline as to when I will get my money back. Who knows how many other peoples money they keep for as long as they want but this is absolutely unacceptable behavior.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$44000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear experian this is the 6 report and dispute I have done and yet you have not delete that inaccurate information or account on my report this si final action after this I will be sue Experian for fraud, identity theft not only are u doing a horrible job but violating all my consumer rights down below are the laws that have to be enforced when it comes to my credit report if this is a not taken care of by next week I will sue for {$300.00} million class action lawsuit for inaccurate information I have already XXXX people ready to start this class actio law suite the account I want to delete from my account is. Challenge financial devices automotive 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my Trans Union XXXX and XXXX inquiry is XXXX XXXX inquiry date XXXX XXXX phone number XXXX thank you
Product: Credit reporting or other personal consumer reports

This edict serves as my official consumer COMPLAINT regarding your injurious and unlawful reporting of information that is either or all of the following : UNTRUE, INACCURATE, INCOMPLETE, UNVERIFIABLE, INVALID, NOT compliant with the perfect and full XXXX XXXX format reporting standard, and/or NOT CERTIFIED, as is MANDATORY for lawful reporting of ANY claim of derogatory or delinquent status versus any consumer. 

You have listed a derogatory and/or delinquent student loan on my credit file, as noted below. I hereby rightfully request and DEMAND that you immediately and permanently remove and block this misinformation in full accordance with regulatory laws and reporting standards. This includes, but is NOT limited to, adherence to the following : The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ), and Mandatory compliance with perfect and XXXX XXXX XXXX format reporting. 
This notice serves as my formal request for you to : CHECK for absolute and undoubted VALIDITY of the claim ( XXXX ). 
Provide physically verifiable and CERTIFIED XXXX XXXX compliant reporting of the validated claim ( XXXX ). 
Accept my DISPUTE of any UNTRUTHS, INACCURACIES, or INCOMPLETENESSES regarding physically verifiable validity. 
Accept my challenge to any claim that fails to meet perfect XXXX XXXX compliant reporting standards. 
Any deficiencies in validity, compliance, or timeliness of your response are rightful grounds for me to DEMAND and COMPEL you to fully comply with lawful reporting obligations. Otherwise, I reserve the right to seek suitable resolution and monetary relief in a civil court of my choosing. 

In accordance with FCRA 611 ( a ) ( 7 ), you are REQUIRED to provide a document description of the precise and adequate procedure ( s ) your agency utilized in providing and obtaining this particular derogatory and/or delinquent student loan. This includes, but is not limited to : Whether the information was obtained by a third-party originator, and How it was handled and/or transferred to or by your firm.
Product: Credit reporting or other personal consumer reports

I requested documents on accounts that have signatures of all parties involved. I requested such documents via mail TWICE and by phone. I never received such documents and the companies never provided any type of follow up through mail, phone, or email. Some companies would not even give me information over the phone because I could not verify certain account details. I have already had issues with fraud before. The accounts are listed below with as much information as I could gather on them. 

XX/XX/XXXX account number XXXX XX/XX/XXXX account numberXX/XX/XXXX account number XXXX XXXX XXXX XXXX could not obtain an account number but it seems health insurance related and I have had all health insurance items covered under my insurance policies and they would also not provide documents as previously stated. 

DEPT OF ED / XXXX This item appears on my account several times and not only has it been past the seven year mark for them ( meaning they should not even appear on the report in the first place ), there is no balance associated with these accounts. 


This is all the information I was able to gather on these accounts. Again, documents were requested multiple times and never received and no kind of follow up from the companies in regards to the accounts in questions ever happened. This is against the law as they have to provide documents when reuqested to do so. 

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

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

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

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

Please remove these items from my credit report immediately as I am well within my rights.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX : {$400.00} ; XXXX XXXX  XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX  : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX : {$530.00} ; XXXX XXXX XXXX  : {$71.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to the non-compliance of XXXX credit reporting agency to remove an account that does not exist. they have failed to remove information being falsely reported SYNCB/AMAZON PLCC, XXXX XXXX, XXXX Fl.XXXX ( XXXX ) XXXX I do not have and never had an account with this company. I have placed several calls to this co. requesting they remove this inaccurate reporting. when I call they have no record of any account number associated with my name. I have never applied for an account. 
On XX/XX/19 I talked to a service rep named XXXX. XXXX started a fraud file that would take 30 days to complete. On XX/XX/19 30 days latter, I talked to another rep. named XXXX, she said it takes 60 days to complete the investigation. On XX/XX/19 I requested a supervisor named XXXX, she said she needed to start a new file, and does not know how long it will take.iam asking CFPB to please investigate this matter, help me to remove this bogus inquiry and provide me with an updated XXXX credit report. thank you
Product: Mortgage

XXXX NMLS # XXXX charged our credit card {$450.00} without our knowledge or authorization. The re-finance was never completed, we were denied, and now just lost the {$450.00} they charged us plus loss of time and stress.
Product: Debt collection

I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX/Wal-Mart opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to XXXX XXXX XXXX, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to XXXX XXXX XXXX demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX ref # XXXX, XXXX XXXX XXXX XXXX XXXX ref # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states, I have the right to privacy.

15 US C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US 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 US 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States.
Product: Credit reporting

Equifax reinserted a previously deleted collection for XXXX XXXX that was unable to verified per dispute " investigation '' results I received XXXX/XXXX/2016. I was just notified of the reinsertion via a credit monitoring alert on XXXX/XXXX/2016. However, Equifax reports the reinsertion date as XXXX/XXXX/2016. Either way, i received no notification from Equifax informing me that a previously unverified, dormant, and deleted debt has now been verified and re-entered into my credit file. Because the reinsertion has caused an exponential drop in my credit score I too would like information proving the debt is in fact valid and verified. Under FCRA sec 623 I am requesting disclosure of the " original creditors documentation '', on file that was used to validate the the data now being reported or removal of data from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still showing the current balance as {$220.00} which in turn is affecting my credit report evidenced by the fact that when I simulate my credit score and try and pay off {$220.00} the credit score changes to XXXX! See relevant Transunion page below Account Number XXXXXXXX  Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX   Monthly Payment 55 Last Payment XX/XX/2019 Status OK Loan Term 0 Loan Type Credit Card Opened XX/XX/2019 Reported XX/XX/2019 Remarks Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , NY XXXX Phone # : XXXX
Product: Debt collection

I have hard inquiries on my credit report that I did not give them permission to run my credit. 

Also four accounts on my credit reports that I know nothing about. Two accounts on my credit twice for different amounts, in dates.The other two accounts I have no knowledge of.
Product: Student loan

Sallie Mae / Navient has made multiple errors recording my payments since XXXX some were made in XXXX XXXXNavient has been extremely irresponsible responding to my requests and demands in order to verify what the actual balance of my daughter 's accounts is. I have been trying to get them to verify they have received every one of my payments for every account. I have been making these requests and later demands since XXXX. I need them to confirm first of all that they have recorded every payment I have made for two daughters with a total of 5-7 subaccounts. They have made errors with the Stafford loans numerous times. When they send me their " disbursements '' records it does not show any total of my payments made since XXXX. Many of their payments appear unfamiliar compared to my bank records. The Consolidated part of the loan is actually the earliest ( previously called XXXX XXXX  in XXXX ) and yet they claim there is still a balance for that portion of the loan. For the past two years they ignore my requests/ demands simply responding : " they have already addressed those issues '' They fail to take responsibility for the mistakes they have made such as entering one of 5 monthly payments to the wrong account, failing to demonstrate they received more than minimal monthly amount on statement when I often added {$100.00} - {$300.00} in order to get loans paid off sooner. They made several errors in XX/XX/XXXX - mixing my Consolidated with Stafford and then sending a refund through the Social Security department and then failing to confirm they received that when I endorsed the chack back to them. That same month they sent a refund to my daughter instead of entering on my account. Those problems are what lead me to warn them 6 months in advance and then cease making any further payments until they provide information I need to verify their records match my XXXX bank records.
Product: Debt collection

I have filed identity theft affadavit with the ftc on this debt.this company is still trying to collect the debt and have not provided any verification of the debt having my wet ink signature