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

Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to express my deep frustration and concern regarding the ongoing inaccuracies on my credit report managed by Equifax and the negative impact it has had on both my credit score and my employment opportunities as a registered nurse. 

Despite my diligent efforts to address these inaccuracies, including working with a reputable credit repair company, I have encountered serious challenges with Equifaxs dispute process. When I submitted a dispute regarding the incorrect information, Equifax stated that the information was verified. However, it is clear that no genuine verification took place. The company appears to rely on automated systems or technical scans, rather than conducting thorough investigations to confirm the accuracy of the data. This lack of proper verification is profoundly troubling. 

Moreover, Equifax has claimed that my disputes did not originate from me, which is entirely false. This claim demonstrates a lack of accountability and transparency on Equifaxs part. By failing to appropriately address legitimate disputes, Equifax is perpetuating inaccuracies that drastically lower my credit score and harm my financial standing. 

As a registered nurse, my credit score directly impacts my professional opportunities, as employers often conduct credit checks as part of the hiring process. These errors on my credit report, compounded by Equifax 's failure to investigate thoroughly, are jeopardizing my career and financial future. 

I urge the CFPB to intervene and hold Equifax accountable for ensuring that disputes are properly investigated, rather than relying on flawed automated processes. Consumers deserve a fair and transparent system to resolve inaccuracies in their credit reports without being dismissed or ignored. 

Thank you for your immediate attention to this matter. I look forward to your assistance in resolving this issue and ensuring that Equifax meets its obligations to consumers.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had checked my credit report, in regards to working on improving my credit and Ive noticed some things on my credit report were complete and accurate and some things reported I did not recognize. In XXXX I filled a dispute-in regards to these accounts and I notified them that this is not my account. After waiting 30 days they notified me that the accounts in question were accurate and verified. I did not agree with that and filed a XXXX dispute in XXXX requesting evidence to support there claim. Once again they gave me the same response without any type of evidence to support there claim. These accounts are not mine and im requesting them to be removed. I would like to know how they verified these accounts. 

The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2023 my chime account was hacked my email and phone number was changed on my account my savings was emptied my money was transferred to my checking and sent to XXXX different cash app accounts by the name of XXXX and XXXX XXXX in the amount of XXXX I have filed two disputes with chime both of which has been denied I have sent a police report along with screen shots of email and phone number that was used that did not belong to me I have been calling chime non stop trying to get my money back I filed to have the dispute reopened for the third time no one is helping me get my money back I went as far as filing a XXXX  complaint and also reaching out to a lawyer today I just want my money back
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I requested a consultation with XXXX XXXX to see if they could help me with a Probate processing matter. The lady said the payments would one {$120.00} when I didn't the application it went from {$120.00} go {$510.00} mthly. I told the lady I could not pay that to cancel all request. She agreed to do so. Then a couple of weeks later I checked my credit and it showed a new loan with Uplift. I investigated and realized it was XXXX XXXX the lady had sent me an email saying her and her manager tried to contact me that they didnt cancel and wanted to wait until they reached me by phone. I was really upset it ruined my chances of getting the house I inherited with a reverse mortgage because with this new loan my debt to income ratio is to high. I have been getting the run around with both XXXX XXXX and Uplift to remove this and they just keep putting it on me. Not a good thing because this is the house I live in and grow up in and my father passed on XX/XX/XXXX mother passed XX/XX/XXXX .... XXXX apart. I just want my credit cleared up and to move on with my life. I go to probate this Friday and still they want more stuff to prove the unauthorized account is reporting I just dont want to give then anymore stuff. Can you please help me so I dont lose my house. Uplift has been credited as far as XXXX XXXX says but Uplift wont clear my account and remove it and they want me info than with XXXX XXXX has given. They want a screen shoot of their account reporting on my credit report. That is very suspicious to me so I decided to contact you for help me revolve this matter. Thanks again XXXX XXXX
Product: Credit reporting or other personal consumer reports

Loan has been paid in full. However, XXXX XXXX XXXXXXXX is still showing the loan as outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account. My ex wife opened it in my name. XXXX and XXXX have investigated and deleted the account however Equifax will not. This is causing me to not be able to get a mortgage
Product: Checking or savings account

I called the bank with questions about some charges and they informed me that this was fraud and I would need a new debit card. The a new card was rushed. The. A week later my card was cancelled and I was told I cant gave a card for 12 months. I have never fraudulently reported fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and am filing this complaint myself without any help of a attorney or credit agent, i am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft ACCOUNTANT NAME : XXXX/XXXX   Account number:XXXX  Date opened : NOT SURE Experian Report Number : XXXX ive contacted Experian recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) Experian sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE so i called identitytheft.gov ( XXXX ) XXXX which told me that was not true so I resent my report my credit report i found inaccurate, false and fraudulent information that don't belong to me i've been battling with Identity Theft for the last 7 years i recently spoke to Experian Identity Theft department and they told me my credit file was mix up with someone else & that they would fix it! still haven't seen changes!!!
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX am a federally protected consumer and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. XXXX XXXX has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. XXXX XXXX has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later XXXX XXXX and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the Information.
Product: Debt collection

Synchronicity Bank aka Care Credit has been handling my account in an unethical manner and I need assistance as they refuse to communicate with me to find a resolution. 
I opened my care credit account because of some urgent dental work that I needed done. The account I opened was a no interest for 1-year account. In opening this account, I received no mail, email or calls. This went on for a couple of months, to the point where I took initiative and reached out to them. They treated me very poorly in this instance and I was merely trying to handle this credit responsibly and avoid any interest. Even after this call I still received no communication. 
I reached after several more months, at which point I spent several hours on the phone as this organization had apparently entered my address, email and phone number in correctly in their system. Giving me no way to respond to or pay for this bill. I had to go to great lengths to have everything sorted out as to avoid any additional payments because a good portion of my 12 months with zero interest had run out by this time. 
Once this was settled I placed them on my auto bill pay through my XXXX bank account. Even though bills werent due until the end of each month I set up my account to pay at the beginning as to further ensure that I avoided any additional fees. 
Having never experienced any issues with a merchant that I paid monthly in this manner I assumed my account was set. However, I noticed on my most recent statement that the principal wasnt decreasing. I called on a few occasions and couldnt receive assistance because of their lengthy call time waits. 
Today, I was finally able to put in the time to wait to sort this out. I was informed for the first time ever that they were charging me a late fee because I was paying my bill each month 2 days prior to them posting my statement. Essentially, I am being penalized for paying my bill too early. So, they have now assessed me several hundred dollars in late fees because I have paid each month early. 
I requested to speak to a senior supervisor as the customer care agents ( who operate out of XXXX ) were thoroughly uncaring about this unethical and refused to help me. I was refused an opportunity to speak to a supervisor and I am now reaching out to the XXXX as I need help with this extremely unfair and unethical business and their crooked practices. 
I spoke to agent XXXX XXXX ID # XXXX today and I explained that this would be my recourse given their unwillingness to do the right thing. 

I simply want this company to do the right thing and remove the incorrect late charges on my account. I believe this totals {$340.00}. I want my billing adjusted accordingly. And if this has in any way impacted my credit I want that rectified. This would include notifying credit reporting agencies and providing me with documentation that proves that this matter was a mistake on their part and that anything on my record should consequently be removed.
Product: Credit reporting or other personal consumer reports

I reviewed credit report and noticed several inquiries that i never applied for nor allowed to run my credit. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

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 XXXXXXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes antedates the report by more than seven years. 

15 U.S.C. 1681 s-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 or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/24, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byXXXXXXXX XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. And this is not a third party filing this report. I have attached several documents for your review. Please see attached. There are several inaccuracies on my consumer report being reported by the following credit reporting agencies. Experian, XXXX, and XXXX. They have not did an investigation into this matter and they are violating my consumer protection rights by these inaccurate reportings.
Product: Debt collection

As soon as I received the move out statement from the apartment complex, I began the dispute process. I sent multiple emails, with months of no response. After my XXXX follow up attempt, they finally responded and told me my account had been turned over to a collection agency. I only recieved an email from them, and immediately responded within 30 days, asking for proof of the debt owed along with other things. We vacated the apartment due to military orders and they are in direct violation of RCW 59.18.200 ( 1 ) ( b ). They did not respond back within 30 days of my letter, and instead went and reported the debt on my husbands credit and mine. They refused to give me the information to the corporate office.
Product: Credit reporting or other personal consumer reports

My credit report includes incorrect hard inquiries that were not authorized. These must be deleted under 15 USC 1681c-2.
Product: Credit card or prepaid card

Company is guilty of discriminatory and predatory behavior towards me. They have violated federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2.   XXXX Account # XXXX 3.XXXX XXXX XXXX  XXXX Account # XXXX
Product: Debt collection

I have an account on my credit that does not belong to me. I have attached the documentation that I received from Spring Oak Capital regarding this debt. I have never had a credit card with XXXX XXXX. The name that appears on the documentation is not my name ( XXXX XXXX XXXX XXXX XXXX I have never lived in New York ( XXXX XXXX Only ). I have contacted XXXX as well and was told that my personal information was not in their system. I am requesting that this information be removed from my credit report. I have been in contact with Collection Agency with no resolution.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered the following debt collection agencies are not license to collect alleged debt in the state of Florida XXXX XXXX XXXX Account number : XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : Non listed According to Florida Collection agency laws : Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about the alleged debt, in accordance to FCCPA which Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX or after XXXX XXXX unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX aren't licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Product: Debt collection

I have recieved calls saying I owe this debt which has suspended my drivers license but have never received anything Stating this information Whatsoever. This company wo n't even allow me to make payments to them unless I put a XXXX down deposit. I just do n't see how they can get away with holding my life hostage.
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 XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : 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 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.