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

I sent a copy of the police report to Experian with actual police reports with accounts listed and they refuse to remove the fraudulent accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent letters to the XXXX about personal information being inaccurate and requested them to update on my report to keep me from being prone to identity theft.as of XX/XX/2021, i have not heard from either of them concerning my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal information ( name, SSN, address, driver 's license number ) to be released in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( which is reported a lot of times ! ) and Chapter XXXX Bankruptcy Discharged XXXX
Product: Mortgage

XXXX hello again, cfpb! thanks for helping get the recent judgment against XXXX XXXX! perhaps i can now get restitution for their deceit in stealing my property and selling it in foreclosure back on XX/XX/2012. bank of america was servicing the loan for XXXX XXXX, and i was unaware of this until it was too late. i called bank of america, sent in all my loan modification papers ( over and over ) and i was just lied to by bank of america ( on behalf of XXXX XXXX ) continuously. back then, i wrote letters, emails and called so many places to help me fight the fraudulent foreclosure, including cfpb, then secretary of state XXXX XXXX, etc. please see my old cfpb file numbers ( now closed ) of XXXX and XXXX i understand at the time that cfpb could not help me, but now that XXXX XXXX  has been brought to justice, i am hopeful to get my retirement nest egg back ( that was invested into my home that was deceitfully foreclosed upon ). in summary, i have the main letter from bank of america that shows how they were tricking me ... because the letter said that i could not qualify for a loan mod BECAUSE the XXXX mortgage holder would not agree to stay in second place. i called dozens of times to tell bank of america ( working on behalf of XXXX XXXX ), and i sent them a preliminary title report to prove that i did NOTeven half a XXXX mortgage. it didn't matter to them. they were just gaslighting me over and over again, and i had no recourse, no one to stand up for me. bank of americaXXXX XXXX just kept declining me until they could finally take my property from me. please help me get my nest egg back. thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX - # XXXX. This account is showing closed, but there are several innacurate late payments affecting my ability to purchase a home. Please delete this account ASAP. It shows I was 120 days passed due on XX/XX/2015 and the next month I was up to date. Then in XXXX I was XXXX Passed due that can not be. I was never late through any of those months
Product: Credit card

For the last 6- 8 months I have struggled with Bloomingdale 's credit card online system to access my account. They created a new system that locked me out of my account for around 6 weeks and I received late fees as a result. After submitting a complaint a few months later prior to me barely using the card, only to buy something in XXXX of their stores, my number was stolen and fraudulent charges was put on my account in XXXX. I was notified and they cancelled the card. The cancellation of the card / account stopped me from accessing my account until today, sending me XXXX replacement cards and opening a fraud investigation they never provided me with the statement that were need to complete the investigations. While I have been locked out with no access to statements, they continued to take automatic payments from my checking account on the fraudulent charges and not giving me the ability to cancel the automatic payments or refunding me the money. I was told no moneys will be refunded until the investigation was completed, there is also no documentation of the automatic payment made on the fraudulent charge except on my bank statement. I am beyond disgusted that they have continued to deny me my basic rights to my account and have continued to hold my money hostage under the circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax letters with a credit repair bureau. It included all my information in order to correct any discrepancies. To this day I still can not see my credit report for equifax. It hasnt been updated since XX/XX/2022. They insist they havent received my information even though there is proof that they had gotten it.
Product: Debt collection

I found out a year ago in XX/XX/XXXX that I owed money to XXXX XXXX XXXX in XXXX Va from XXXX of XXXX. Never was aware of this until I had my credit checked in XXXX. I was never sent any information on this at all. When I found out I reached out to the property manager and was told I could satisfy debt with the XXXX XXXX XXXX and that the amount owed would be on the website as well. I did everything I was told. ( The amount given from property manager was different from amount shown on credit report. ) I took money orders to the property manager, had them signed, received letter saying it was paid and also had the judgement satisfied the court house on XX/XX/XXXX. I have proof of both and the company will not remove this from my credit and will not return my calls to let me know why this is going on.
Product: Prepaid card

I have a new LLC and am trying to establish business credit. XXXX XXXX XXXX charged me a fee for their consultations and they directed me to open a XXXX account to help establish business credit, along with 3 other business accounts. I got an offer from XXXX that I was eligible for a secured credit card that would require a payment of {$100.00} and provided a credit line of {$100.00}. I got my card and did not see any information about the account, but soon saw that my personal credit scores dropped dramatically. I investigated and the cause was SELF pretending that I had a balance of almost {$800.00} with revolving credit charges and fees. I immediately called the company and demanded they close my SELF card which I had not activated and refund my money and their fees charged without my knowledge or authorization. They STILL HAVE NOT DONE THAT, and the account is still on all 3 of my personal credit bureau reports and is still harming my personal credit. After disputing this I expected to see the item moved to " Closed at Consumer Request '', but NOTHING has changed. I called them again and was told that the {$25.00} I initially paid for this program would NOT be returned and so far NOTHING has been done to correct this extortion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I am rewriting to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. 
I initially reached out to BANK OF AMERICA to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), BANK OF AMERICA is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, BANK OF AMERICA must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that BANK OF AMERICA will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax are doing shady practices by not allowing me to get a copy of my credit report which a consumer can not be denied per the FCRA, They have locked me out from my account and when i call to have them unlock they are telling me i am answring incorrectly when i know the responses i am giving them are accurate along with this they are adding things to my credit report while i am locked out and allowing me to be taken advantage of. I have had things pop up on to my XXXX and equifax only while my XXXX  does not report what they are showing. I am demanding a remedy for the damages they have caused me or i will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

C

redit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incom
plete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XXXX XXXX, 2022 to Transunion, XXXX  and XXXX  and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under -15 USC 1681 section 602 A. states I have the rights to privacy.

-15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation certified mail tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern this is my XXXX time filing a complaint with CFPB over the item with XXXX XXXX XXXX c/o XXXX XXXXXXXX XXXX The requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). FCRA, you are required to investigate the item mentioned if I request it, and further provide me a written report of proceedings. The FCRA, you must remove any alleged unproven negative information of which I have previously filed a complaint over the item about the error in reporting privilege ( s ) by the indicated reporting entity ( ies ). However, at a minimum reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted furnished items. Please delete this file from record on my credit report at once.
Product: Debt collection

On XXXX XXXX, 2021, XXXX XXXX XXXX XXXX charged me {$190.00} to my credit report and proceeded to send over to debt collector National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX.
Product: Mortgage

I applied for a locked 3.29 % fixed rate 30year cheloc in PNC bank with XXXX XXXX and XXXX XXXX on XX/XX//2021, but when I review our current application files, I found XXXX changed the initial application into the current one with 3.75 % variable rate 40year heloc without notifying me in advance. 4 other PNC bankers told me I can start my initial application in the beginning. But XXXX insisted on proceeding, then send a lock request after the current variable heloc is approved. By his way, in my experience I will be very passive in the end and most probably I can't get 3.29 % fixed rate 30 year heloc. I don't like his way
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent them a letter stating that I wanted to opt out already but they still won't comply. 
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), emphasizing the necessity to ensure that consumer reporting agencies exercise their responsibilities with " fairness, impartiality, and a respect for the consumers right to privacy, '' I, as the Consumer, am asserting my right to safeguard my private information. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy and protect nonpublic personal information. 
Experian, is being the consumer reporting agency, must adhere to 15 USC 1681 section 604a section 2, which specifies that they can furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' The financial institutions, recognized as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all falls under this category. However, neither these financial institution nor the consumer reporting agency, Experian, possess my consent or written authorization to furnish this information. Revoking any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, I assert my right to control the sharing of my information with XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Referring to 15 USC 6802 ( b ) ( c ), it explicitly states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies failed to inform me of this right. 
Furthermore, in accordance with the Privacy Act of 1974, governing the collection, maintenance, use, and dissemination of personal information by federal agencies, and the Fair Credit Reporting Act, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The reporting of this adverse item without my permission is a violation of both acts. 
In compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian are not maintaining reasonable procedures. 
Additionally, as per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, TRANSUNION AND XXXX XXXX reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and another personal credit card opened as XXXX XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit card or prepaid card

Numerous times I have contacted Comenity to get assistance in restoring my online access as I have been locked out. All the agents do is send me a generic link to the main page and tell me to log into my accountas if I havent already done that twenty times before. Its been two months of me attempting to contact them to restore my access and all I get is the run around. Now I have no access to my statements and keep getting late fees.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference XXXX To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXX ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report. 
XXXX. Truth in Lending Act ( TILA ) ( 15 U.S.C. XXXX ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me. 


I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA. 

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately. 

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within XXXX  days of receipt. Send all documentation to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.