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

I am writing to formally dispute the inaccuracies present on my credit report with Equifax, and to demand immediate investigation and correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXi. My dispute concerns the erroneous information listed under XXXX XXXXXXXX ( who is being sued ), XXXX Bank, XXXX XXXX XXXX, and all other negative accounts on my Equifax report, which is inaccurate and has adversely impacted my credit profile. I would like to remind you of the ongoing issues with the manner in which Equifax, along with other major credit reporting agencies, has been handling consumer disputes. As you are aware, the Consumer Financial Protection Bureau ( CFPB ) ordered Equifax to pay millions, for conducting improper investigations of credit report errors. The order highlights the failure of Equifax to properly investigate disputes and the continued listing of inaccurate information on consumer credit reports. These actions clearly violate the requirements set forth under the FCRA, and I demand that you cease such practices with my credit file. Under 15 U.S.C. XXXXi, you are legally required to : XXXX. Conduct a reasonable investigation into any dispute raised by a consumer regarding the accuracy or completeness of information on their credit report. XXXX. Correct any inaccuracies within a reasonable time frame ( typically XXXX days ), and provide written notice of the results of your investigation, including a copy of my updated credit report if changes are made. In light of the CFPBs order and your apparent failure to adhere to the statutory requirements, I demand that you : * Immediately initiate a thorough and independent investigation into my dispute, ensuring that all relevant information is properly reviewed. * Correct any and all inaccuracies within my credit file, and provide written documentation of the investigation results. * Cease any practices that might undermine the integrity of the dispute process, as described in the CFPB 's legal action. Failure to comply with these provisions not only violates my rights under the FCRA but also subjects Equifax to legal liability, as outlined by the CFPB 's actions. As a consumer, I will not tolerate such negligent practices and expect immediate remediation.
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 # XXXX - BALANCE {$2200.00} Account Name : XXXX  XXXX # XXXX BALANCE {$0.00} Account Name : XXXX  # XXXX BALANCE {$0.00} Account Name : XXXX # XXXXXXXX- BALANCE {$0.00} Account Name : XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX # XXXX BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$0.00} Unauthorized inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

PLEASE SEE ATTACHMENTS. FDCPA, FCRA, GLB Act violations committed against me. XXXX is using my identity for financial gain against my knowledge and consent.
Product: Money transfer, virtual currency, or money service

I went to deposit a XXXX dollar check online at XXXX around XX/XX/XXXX. The check never went through on my end but they still took the money and have not returned it. They stole this money and will not give it back. 
I want my money back immediately and have called them many times. 

Suntrust bank is a fraud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # : XXXX This account is fraud. I did not open this account nor authorize anyone to open this account on my behalf. Please delete from my credit asap. 
This has been an ongoing issue without resolution. Please delete asap. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied for an Apple Card via XXXX wallet on XX/XX/21. I was given a {$6000.00} limit at that time. I decided not to approve it because I wasnt ready to make my purchase and didnt want to open a card needlessly. On XX/XX/21 I decided I would make the purchase and I applied again, this time via the XXXX site during the purchase. I didnt notice until it was too late, but they lowered my credit limit by {$3200.00}! There is no good reason why, either.. other than that I was making a purchase and they could see the total purchase amount. My salary and credit score did not changed in two days, why did they lower my limit so much? I tried calling and texting and explained the situation, asking that they raise it to the original offer of XXXX Their solution was to put in a credit line increase. Of course, I was denied saying my account was too new. However, the problem is that they should have given me a higher limit to begin with! Why do they lower it when making a purchase? This is super shady and I would like them to make good by raising my credit limit to the original proposal of {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently sent disputes to XXXX, the most recent dispute was sent to XXXX  on XX/XX/XXXX for collections account with Portfolio Recovery for XXXX XXXX XXXX. Collection account should be permanently deleted. Original creditor ( XXXX XXXX XXXX ) last date of delinquency was XX/XX/XXXX. Provided XXXX  with XXXX XXXX statement showing last date of payment as XX/XX/XXXX. Spoke to an XXXX  representative the week of XX/XX/XXXX, who stated XXXX  has my information showing the first date of delinquency as XX/XX/XXXX, BUT since Portfolio said the account was reported as accurate for the date of XX/XX/XXXX, XXXX  has to follow what the creditor states, regardless of the proof on file. 

This account has had its first date of delinquency changed three times from XX/XX/XXXX, to XX/XX/XXXX, to now XX/XX/XXXX, which is fraudulent activity, after I have disputed these inaccuracies showing last date of delinquency as actually XX/XX/XXXX. XXXX  and Portfolio Recovery refuse to report accurate information, which has created denials for credit applications submitted during this timeframe. 

Dispute History : XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from XXXXPortfolio Recovery had first date of delinquency as XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from XXXXPortfolio Recovery changed first date of delinquency from XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion -results received on XX/XX/XXXX from XXXXPortfolio Recovery changed first date of delinquency again from XX/XX/XXXX to XX/XX/XXXX, but reports date of last payment as XX/XX/XXXX, which is a discrepancy with the date of first delinquency. 

The Portfolio Recovery account does not have any payment history for XXXX, XXXX, nor XXXX, which is verified by statements. Portfolio Recovery can not provide proof of last payment nor first date of delinquency on this account because they have no payment information from the original creditor. Portfolio recovery keeps adjusting the date, re-aging the account, which is illegal and XXXX  supports this creditor in its illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called XXXX  they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX  been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in XXXX  not XXXX.
Product: Payday loan, title loan, or personal loan

I applied in XX/XX/XXXXafter receiving a mailer from the company. I was trying not to withdraw much, just enough to ease me between a long stretch. I am paid early inXX/XX/XXXX. and not again until XX/XX/XXXX. I guess I over-did it a bit during XX/XX/XXXX, but I was expecting help from my ex-husband who had promised. When I asked in XX/XX/XXXX., he said he could not help, so I ended up taking out the max. I have now paid them both my federal and my state refunds and still owe more than I borrowed. Every month I am charged $ 500-600 in interest and the principle keeps going up. I have paid in all the extra I am going to have this year, so I fear the principle and the interest climbing so high so fast. If they could just give me an installment loan to pay this off with, nomatter how high the interest, so that I could afford it and eventually it would be paid, instead of it just sitting there growing in spite of my paying all I can.
Product: Prepaid card

I purchased a Visa gift card from XXXX, upon opening gift card. I noticed gift card was heavily tampered with I couldnt check online the balance since card was tampered with numberings as shown in uploads. There was no magnetic strip on card, assuming the card was tampered with before purchase, I tried raising a fraud dispute with incomm but was denied for undisclosed reasons. Many people have experienced the same type of problems with this company. Sounds now I am out almost XXXX dollars and incomm has failed to help with this fraud case
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenders are unable to pull credit report due to XXXX XXXX. I have sent Identity documents via fax and through the mail on several occasions. Error Code on online Equifax account : XX/XX/XXXX.. Please help
Product: Checking or savings account

Chase Bank repeatedly places holds on my deposits for excessive amounts of time. This has only started happening in the last few months. I have had repeated paper check deposits from my employer into this account for the last XXXX  years ( approximately ) with perfect account standings and never a bad check. Most of these holds ( dated below ) have been placed for over XXXX  days unless I call to have them released. I understand a hold for a reasonable amount of time, but these are interfering with the way I do business and are unacceptable. 

XX/XX/23 Excessive hold on deposit XX/XX/23 Excessive hold on deposit XX/XX/23 Excessive hold on deposit It seems obvious to me that Chase is likely doing this to thousands of customers daily and earning massive gains on other people 's money. All three of these deposits have been large amounts ( as normal )
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX {$3000.00} XXXX XXXX  XXXX XXXX {$5900.00} XXXX XXXX  XXXX XXXX {$6000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, filed an dispute a month ago on the Inquiries : Item # XXXX XXXX XXXXXXXX XXXX Item # XXXX XXXX XXXX XXXX  XXXX there has been no changes made and by law after 30 days, the reason for deletions must be made, and according to my repairs my credit has inaccurate information on my credit report these inquiries has to go as I have FCRA right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2013, a guy approached my husband at the hospital waiting room meanwhile I was at the XXXX room, convinced him of this equipment rental for my XXXX XXXX, got my credit card and personal information from my husband and disappeared. Stressed as my husband was waiting for the outcome of my XXXX, he thought that this guy belonged to the hospital personnel and he was n't we found out later. 
The rented Item was never delivered to my house, being an equipment rental, if it would had been delivered to my house, they would have had to pick it up as well. The pickup never happened because the item was never delivered. 
Since the item was charged into my credit card by XXXX XXXX, I called XXXX XXXX XXXX XXXX and told them that I never received the item. After a thorough investigation XXXX XXXX removed the charge from my credit card account. 
A year later or more, I received a call from a Collection Agency, Credit Counsel , Inc., trying to get money from me that I never owed. According to this Collection Agency, the debt to a XXXX XXXX XXXX. I told Credit Counsel Inc., what happened again, that the item was never delivered to me. 
I also expressed to the Collection Agency, that if they had bought a debt that never existed from XXXX XXXX, they were supposed to take it against XXXX XXXX and not harass and yell at me, like they were doing every time I answered the telephone. 
I just learned from XXXX and XXXX Credit Report Agencies, the complete name of this Collection Agency that was calling me since I had a hard time trying to get their name because whenever I answered the telephone to them, they were always shouting at me and trying to intimidate me to make me pay for something that I did not owe, and do not owe. 
According to the Credit Report Agency XXXX, this Collection Agency has LEGALLY CERTIFIED that the debt belongs to me and that I did not pay it. 
My question is, how can a company LEGALLY CERTIFIES something that is not true. Moreover, try to hurt my Credit Record where I have always kept an average score of 800 or more, since I do not like to owe, and I pay all my accounts in time. 
Based on what criteria Credit Report Agencies, believe Collections Agency statements over customers statements that have never had a collection, and have never paid late. 
Why not asking for trustworthy proof before placing a collection in my account. By not requesting proof or support for their allegations, before publishing something that hurt my name and my records, the Credit Report Agencies become accomplice of these type of unscrupulous Collection Agencies.

The same way that we might have not received approval for a credit card or a loan, based on this false information published, there should be a penalty for the Credit Report Agencies and for these Collection Agencies for giving false information to vendors or providers. 
Thank you very much for your prompt attention to this matter, and looking forward to hear from you soon since I consider these false accusations in my credit reports to be damaging my image and my reputation.
Product: Debt collection

I have received numerous calls from Portfolio Recovery Services. Additionally, I received a letter regarding an alleged debt owed to XXXX XXXX XXXX. The letter included information on the back providing an email to dispute the debt or request a validation. I submitted an email on XX/XX/XXXX, requesting validation of the debt and to refrain from emailing and/or calling me regarding this matter until validation is has been provided. Since that time, I have received several more phone calls from the company. The dates and times are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I fell behind on my mortgage serviced by Wells Fargo Home Mortgage after being forced out of my home by an XXXX. I moved back into my home last year only to be very surprised my partner had not paid the mortgage. In order to correct this issue, I hired an attorney to help me apply for a loan modification. I was approved by Wells Fargo Home Mortgage in XXXX 2016 for a trial and new payment of {$520.00}. I was then asked by Wells Fargo Home Mortgage to supply information to clear my title of " recorded liens '' on or about XXXX 2016. Wells Fargo Home Mortgage provided my attorney with a preliminary title report from XXXX XXXX XXXX XXXX. My attorney has a very experienced staff that recognized the liens that Wells Fargo Home Mortgage were asking to be cleared from the title were NOT recorded and were only showing up on the preliminary title report as a possible lien. My attorney obtained lien releases directly from the XXXX County Office of the District Attorney showing the liens on my preliminary title report were in fact released and/or not the correct individual. My attorney forwarded these " lien releases '' to Wells Fargo Home Mortgage and Wells Fargo Home Mortgage has refused to accept them. My attorney then contacted XXXX XXXX XXXX to find out why the lien releases were not accepted and XXXX XXXX XXXX said Wells Fargo Home Mortgage has NEVER forwarded those lien release letters to them. Per my attorney who spoke with XXXX XXXX at XXXX XXXX XXXX, XXXX says the liens in question are NOT recorded and might be able to be released with just a lien release letter. However, Wells Fargo Home Mortgage has to be the one to forward the letters ( Attached ) to XXXX XXXX XXXX XXXX in order for them to consider removing the liens from the report. My attorney explained to me that their office has been trying to explain the situation to WFHM now for two months and we believe the problem comes from WFHM inability to accept anything except what was originally " Wrongfully '' requested by their underwriting. Which is a " recorded lien release ''. This is all part of Wells Fargo 's FRAUD they commit when dealing with people. They manipulate, block and evade correcting a situation that they can solely to impede and prevent people from getting assistance. I am told this is illegal and fraudulent to evade assisting a home owner who has requested assistance. Wells Fargo 's blatant disregard to even look at the situation is evidence of their MASSIVE FRAUD they keep doing to their account holders.
Product: Mortgage

Disputed this second loan mortgage back on XXXX that its already been cancelled when we filed bankruptcy. Im not been paying on this loan for so many years, because we are selling the house now we found out that this loan is still valid that I thought is already gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the Equifax XXXX  requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX - XXXX XXXX XXXXX Balance {$99.00} XXXX XXXX XXXXX Balance {$130000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters off to transunion, XXXX, and XXXX on XX/XX/2022, and XX/XX/2022 and have not received a response. I also understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. its been over 60 days and still no response. 






XXXX. Validate Account XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please correct/update this inaccurate information on my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on XXXX  and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it as well.