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

I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around 621 and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX Experian 's, And XXXX 'S failure to remove fraudulent accounts from my credit report, despite providing evidence of the fraud. These accounts were opened in my name without authorization, and despite repeated attempts to rectify the situation, XXXX has not taken appropriate action. This situation is adversely impacting my credit score and financial well-being. I request the Consumer Financial Protection Bureaus assistance in resolving this matter promptly.
Product: Credit reporting

I attempted to obtain an annual credit report from Experian on line at www.annualcreditreport.com. After submitting the form, the submission was rejected with this error : A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX After getting this message, I backtracked to find the Annual Credit Report Request form. It displays as a PDFin the browser, but you ca n't fill it out there. You have to download it. I saved the file to my desktop, but instead of saving to a PDF format extension, the file is saved in a bizarre format - manualRequestForm.action. This file ca n't be loaded into a PDF browser. I renamed the file extension to PDF. 

My observation is that these steps all result in discouraging people from filing for a free report. The Web site provided no explanation as to why " A condition exists that prevents Experian from being able to accept your request at this time. '' It does n't say try again later. It just provides a mailing address. 

How many people just wo n't bother mailing in the request? Those who try may find it impossible to download the Annual Credit Report Request form. Then you have to wait three weeks or more to get a hard copy. 

In the time when businesses know everything about how users work with their Web sites, when organizations tune their sites to make them easy and frustration proof, this site seems to take the opposite approach and looks to discourage the very constituency it is charged with serving from getting the reports they are entitled to by law.
Product: Money transfer, virtual currency, or money service

I received an automated all from XXXX stating my credit card was billed for Paypal {$290.00}. + and if I didn't agreed to call another 800 so fast I couldn't even hear. 

I called the XXXX-number back and a foreign man answered. I asked what is this he said your Paypal is billing your credit card $ XXXX.+ and I said no the XXXX your not. This if Fraud I didn't authorize that! Where are you calling from? He then hung up. I don't even have an active Paypal account but have several credit cards so I don't know which one they were evening talking about and haven't used Paypal in a long time.
Product: Credit reporting or other personal consumer reports

Received confirmation from XXXX ( PROVIDER OF PUBLIC RECORDS INFORMATION ) that the XXXX  XXXX on my credit report hasn't been verified by XXXX and XXXX. XXXX has filed disputes with XXXX, XXXX AND EQUIFAX that public record XXXX needs to be remove due bankruptcy isn't in the XXXX system and not valid.
Product: Credit card

upon me receiving my full credit reports I've noticed a lot of things that aren't mine and have no knowledge of. I see that my personal information is constantly being sold and brought between numerous lenders and other parties. 
15 USC 1681 1 Accounts were opened without my knowledge. Accounts was sold and brought numerous lenders 15 USC 1692 G my information wasnt protected. I feel unsafe that my personal information was sold and brought by a parties I have no contract with nor knowledge of 18 USC 894
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 6028 states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish my account without my written instructions.

I did not apply for any loan from this institution. I would like for this fraud/unauthorized account be removed from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I asked to postpone my payment and the company is charging cso fee of {$550.00} on top of the fees already included in the payment. Nowhere in the contract does it say they are allowed to charge a cso fee for moving a payment nor does it say anything about a forward payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been made in my name without my consent or authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report. 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX - Amount : {$270.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank of America is not properly assisting with a recent dispute for a purchase of products and services paid thru XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit 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 XXXX XXXXXXXX & XXXX XXXX XXXX XX/XX/XXXX {$6200.00} This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my deep concern and distress regarding the negative items on my credit report, which have significantly impacted my ability to secure stable housing and maintain a positive outlook on life. 

Over the past few years, I have struggled to overcome the challenges associated with these negative marks on my credit report. Despite my efforts to improve my financial situation, these derogatory items have made it nearly impossible for me to find suitable housing. Every time I apply for an apartment or a rental home, I am met with rejection due to my credit score, which is heavily burdened by these past issues. 

This situation has taken a toll on my XXXX  health. The constant XXXX  and fear of not having a stable place to live have left me feeling increasingly depressed. I feel as though I am trapped in a cycle where no matter how hard I try, I can not escape the shadow of my past financial mistakes. The rejection letters and denials have left me feeling hopeless and defeated. 

What is most disheartening is that I am trying to rebuild my life. I have taken steps to improve my financial habits, and I am committed to working hard to regain control of my finances. However, the weight of these negative items continues to hold me back, making it difficult to move forward and achieve the stability I so desperately need. 

I am requesting your assistance in addressing these issues. I believe that some of the items on my credit report may be inaccurate or outdated, and I am seeking your help to investigate these matters. It is my hope that, with your support, I can begin to see a path forward that includes the opportunity for fair and equal access to housing. 

Thank you for your time and attention to this matter. I am grateful for any assistance you can provide. 

Sincerely, XXXX XXXX
Product: Debt collection

Ability Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This debt collector has called me up to 12 times a day sometimes within 20 minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( XXXX ) Method of Verification, this account is in violation, reported without valid evidence : XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section XXXX of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( XXXX ) and ( XXXX ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit card

We started receiving credit card statements from XXXX XXXX  about XX/XX/2022. I called credit card services and told them we did not open this account and to Please correct this. 
They opened an investigation and denied that this was fraud.
Product: Credit reporting 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 XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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 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 in inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 had disputed a charge off from Equifax off my report. Equifax removed/deleted from credit report but still have not sent me the investigation results of the charge off being removed. I called 3 times and those 3 times the agents tell me they will send me a copy of the investigation results and it will come to 3-5 business days and I have yet still not received anything from Equifax Ive been trying to get my investigation results for the past month regarding the charge off removed/ deleted from my report from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand late payment to be updated as on time as they should be as I was NEVER late.
Product: Debt collection

According to my calculations i went to my local XXXX around XX/XX/XXXX, the cashier encouraged me to get a credit card with XXXX. I was approved for {$200.00}. She told me to sign a paper and that was it. No explanation of monthly fees, she said if you buy something you can just pay it back later on if you do it through credit so that's were things got confusing. i thought as i used the card i would have to pay back later on. I didn't know of monthly fees until months later when a credit company called me telling me i owed {$200.00} plus dollars. I've only gotten one {$20.00} object from this store. I NEVER got my credit card in the mail and never got notice of bills in the mail. Today, i got a call from XXXX XXXX, all other times I've received calls its during my work hours. I have tried to call back after work and it always asks me to give them my account information. i cant give them that information if i do not have it. Otherwise all i can do is talk to an operator. i sneaked out of my job to talk to them today. The guy was very rude. he wouldn't even let me talk. i was tying to explain to him that i wanted to pay in payments since it was XXXX  season. I felt harassed in a way because he was nonstop telling me you have to pay now and i repeatedly told him i was going to give a payment and pay the rest every Friday. continuously he would talk over me as i tried to explain how i wanted to pay off my dues. I think this whole deal was poorly taken care of and its affected my credit the most.
Product: Debt collection

I was garnished for a debt by new century and I do n't owe the debt wssnt provided the original debt info and cause embarrassment at my employment for.garnishment and not.knowing about this debt or court to dispute the debt ..I was garnished which cause extreme financial hardship and still ca n't find what this debt was for and I do not owe this money
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked Clarity Services Inc., a part of XXXX, to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked Clarity to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by Clarity are reporting fraudulently, is not true, accurate, or legally verifiable and this violates CDIA standards.
Product: Student loan

XXXX years ago I missed a payment for my student loan. They didn't remind me or tell me that until I made up the arrears I would be charged a late fee. They never told me the whole amount owed so that I could catch up. I have been fighting with them, each time I paid what they said was the current amount owed they still said I had a late fee, even when I paid before it was due. I told them over and over again that I paid on time but they still said the payment was late. They never informed me that they were carrying the missed payment as an arrears and that all the payments after the missed payment would carry a late fee. Over and over again I asked why I was being charged a late fee ; they would never tell me. Finally, XXXX YEARS LATER one of the operators told me that I owed that payment from years before. Thus far I paid {$920.00} in late fees which did not go towards paying down the account. I believe they cheated me by way of omission. I could see if I hadn't asked over and over again about why I was being carried in arrears, but I asked them over and over again about straightening this account out but I believe they deliberately hid this from me. I took out the loan for {$7300.00} on XX/XX/99. I still owe {$6600.00}. I've paid over {$15000.00} which is more than twice what I borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian in XX/XX/2020, for an account with XXXX XXXX XXXX XXXX. On XX/XX/2020 this account was removed from my credit report with XXXX, XXXX  and Experian. In XX/XX/2020, ( I am unaware of the exact date ) XXXX XXXX XXXX XXXX reappeared on my credit report. I did not receive any letter from Experian or XXXX XXXX saying that they would be reinserting this item back unto my credit report. I called Experian to find out what happened and the representative was unhelpful. I have sent numerous letters to both Experian and XXXX and the only response I have received from both companies is that they will not be removing this account, and I can no longer dispute the account with Experian. I sent both companies a copy of my identity theft reports. I am now a victim of improper reinsertion. I did not receive any written notification from Experian or any creditor stating that this account would be reinserted within five days of insertion. This information is affecting my credit and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus have infringed my rights as a consumer, and violated multiple times on my behalf The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) : the credit bureaus have to update/modify any and all accounts reporting accurately According to 15 USC 1681b ( 1 ) : the credit bureaus have provided written permission According to 15 USC 1681 : I have the right to privacy According to 15 USC 1681s-2 : 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. 

( B ) Reporting information after notice and validation of incorrect reportings ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate