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

Disputes for identity theft on a XXXX XXXX credit card account ( account number unknown ) opened in XX/XX/XXXX on my EQUIFAX credit report via US Mail were sent in mid-XXXX and early-XXXX but were not responded to. Disputes online in mid-XXXX, late-XXXX, and early-XXXX were completed but ruled against my favor without any additional information or verification of the debt being legitimate. The account was opened before I reached the age of XXXX and was the result of identity theft that was discovered when I began university in the Fall of XXXX. I have repeatedly demanded the credit bureau remove the account from my report due to this fact, using FCRA 605B as the legal precedent in my demand. I submitted my disputed with the FTC Identity Theft Affidavit in all cases. They have refused to take action on the account as legally required.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I have no acknowledge as to why or how these student loans are on my report let allow reporting as collections.I am reaching out again seeking the deletion of these items from my report i am a victim of identity theft and I did not make these accounts. i ask that these accounts be removed and my privacy to stop being violated. as a human I know things happen but i am here to inform you that my privacy is my right and I have been taken advantage of. As a human being I am protected under 15 USC 1681 ( a ) you are in violation of my right to privacy. the following is infringed upon my rights and misleading by all reporting different dates and lenders.

XXXX  Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX  XXXX  Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00} transunion Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX : # XXXX Balance {$4200.00}. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to fulfill properly investigate my disputes regarding inaccuracies in my credit report. Leaving inaccurate or unverifiable accounts unresolved. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate removal the disputed accounts, as Experian inaction violate federal law and my rights as a consumer. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681 ( i ), which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions mat also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX2020, my PNC Bank Credit card was stolen. I instantly made out a police report. The police came to my home and gave a police report # XXXX. PNC Bank will not send me the fraudulent transaction from XX/XX/XXXX2020 to current -Last XXXX # XXXX. The officer need that information to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a personal loan with  One Main Financial  in early  2017 . I reviewed my credit reports earlier and noticed tha t One Main lis ted   XXXX  s eparate accounts on my  XXXX  and   XXXX   credit report s. One  of the account listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wa nt  XXXX   accounts listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, XXXX and Experian, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XXXX of 2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, XXXX and Experian remedy these errors
Product: Credit reporting or other personal consumer reports

Recently I've viewed my credit report & noticed inaccurate information reporting. I reached out to all XXXX credit bureaus, XXXX, Equifax XXXX XXXX to correct the inaccurate information reporting nothing was done & I did this twice & no updates of any kind. Today I decided to escalate it with making 2 complaint .1 with the FTC & a other one with the CFPB. This matter can't continue. NEED HELP SOLVING THIS ISSUE.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

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

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

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

15 U.S.C 1681s-2 ( A ) ( 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.
Product: Debt collection

Debt collection compnay is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     I was contacted by them via Phone, and also throug h US M ail. They are trying to collect a debt for {$15.00} plus {$30.00} Returned Chec k Services    Charge f or a total amount of {$45.00}. When contacted by phone I would not give them any personal information. I also received in the mail a debt collection letter from this company. The debt is for the online  XXXX   XXXX   XXXX . I contacted  XXXX   XXXX  by phone and I do not have any debts due, and they told me they do not use a  XXXX  party services to collect their debts.
Product: Credit card

on XX/XX/2023 I was driving, and I got a ride request through XXXX. once I reached to the pickup spot two person, I picked up they rob my phone and run away the phone was unlocked. In phone my all kind of information was there. Using my identity, they open credit card on my name and used money and also transferred money through XXXX and send. 
money by apple XXXX and parched item using my credit card from my phone in XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. 

To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. 

In my letter I requested the following : 1 ) Update my current address 2 ) Remove my previous address 3 ) Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights under 15 USC 1681 Section 602 states I have the right 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 Under 15 USCS 1666b a creditor may not treat a Payment on a Credit Card Account under an Open End Consumer Credit plan as late for an Purpose.
Product: Vehicle loan or lease

I have an auto loan with Bridgecrest. I have set up a bill payment through my bank to pay my monthly amount. I have not had a problem with this until XXXX. My XXXX payment was showing it was not received. On my statement, which I provided to Bridgecrest, it shows the payment cleared my bank on XX/XX/XXXX. I contacted Bridgecrest multiple times and have spoken to 5 different people in the customer relations department and I keep hearing the same thing ; we are working on looking for the payment. On XX/XX/XXXX, my bank, XXXX XXXX XXXX XXXX, provided Bridgecrest with a copy of the check that showed their bank, XXXX XXXX, received the payment on XX/XX/XXXX. This has been going on for 7 weeks now and nothing is being done to rectify the problem. I have asked to have my account credited this amount since I have proven the payment was made, and they can continue to research where the money went, but they will not credit me since they can not find the money. 
Since this all started, I have received numerous calls harassing me about this delinquent payment, saying I will be sent to collections and this will be posted on my credit report. I also received a letter that was titled Notice of XXXX to XXXX and XXXX to Repossess. This is absolutely frustrating! I have great credit, have never been delinquent on any loans or any types of payments, yet even though I paid this monthly payment, I am being threatened by Bridgecrest of tarnishing my credit and repossessing my car. Also, since this all began, my bank made another payment to Brdigecrest that cleared on XX/XX/XXXX. This payment was done the exact same way as all my other payments, including the XXXX payment they can not seem to find. 
I do not know what else to do at this point. I can not speak to anyone higher up in the company. The rep refuses toilet me speak to her superiors and tells me there is no one higher than her to speak to about this. Please help me. I am feeling stuck and there is nothing I can do to fix this problem. This company is messing with my credit and my sanity at this point, and I don't know what I can do.
Product: Debt collection

I have noticed this Factoring Company named XXXX XXXX XXXX is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with Capital one for this amount of monies I have had a capital one card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.
Product: Credit reporting or other personal consumer reports

I sent Experian disputes on 2 specific accounts on my credit report. The first letter I asked for an investigation, the second letter I asked for a reinvestigation because it was verified as accurate when it wasn't. Lastly I sent letters each stating that after 2 investigation attempts by Experian they neglected to remove accounts from XXXX and XXXX XXXX even though the are reporting as chargeoff every month, when there should be no active payment history. Experian is now ignoring my requests to remove the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows accounts that we're opened by someone else fraudulently because of identity theft. My wallet was stolen and had my driver 's licence and social security card in it. Now I'm seeing accounts that we're opened that I wasn't aware of. It's affecting me getting into a apartment. I'm gon na be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO APPLY FOR ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submiting this CFPB Complaint to dispute and request the removal of an outdated account from my credit file, which has been negatively impacting my credit history. I have reviewed my credit report and have identified the following inaccurate and outdated information : Experian : XXXX XXXX Date Last Active : XX/XX/XXXX Balance : {$0.00} XXXX : XXXX XXXX Date Last Active : XX/XX/XXXX Balance : {$0.00}. I wish to bring to your attention that this account is outdated and no longer applicable to my current financial status. I have diligently managed my credit obligations, and this outdated account does not reflect my current creditworthiness. I would like to highlight that this account was already paid, as indicated by the balance of 0. Experian 's and XXXX 's poor record-keeping is apparent since the reported account has never been updated, despite being closed with a zero balance. Its presence on my credit file inaccurately represents my credit history, which could potentially hinder my ability to obtain favorable credit terms, loans, housing, and employment opportunities. Please rectify this immediately. Either provide proof that the Credit bureaus haven't reported false information, or remove this account completely from my Credit File. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information in my credit report. I kindly request that Experian and XXXX conduct a thorough investigation into this matter and promptly remove the outdated account from my credit file. Please ensure that all relevant information related to this account is deleted from my credit report within the legally mandated time frame.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the information regarding my account status listed as " XXXX Days Late. '' Firstly, I would like to emphasize that the account is marked as " XXXX, '' and I have fulfilled my financial obligations in a timely manner. The classification of this account as late is inaccurate and misleading. Additionally, the remarks stating " Dispute resolved reported by grantor '' and " Account closed by credit grantor '' further confirm that any issues related to this account have been addressed and resolved. Therefore, the late payment status should not reflect on my account history, as it contradicts the current standing of my account. I request that you investigate this matter thoroughly and update my records to accurately reflect my payment history. Thank you for your attention to this issue, and I look forward to your prompt response. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to inform you that I have already contacted XXXX, Equifax, and XXXX regarding the charge-off accounts that are persistently appearing on my credit report. According to the 15 USC 1601 of the Fair Credit Reporting Act ( FCRA ), these accounts violate my rights. I kindly request your assistance in ensuring that these accounts are removed from my credit report to rectify the situation. Your attention to this matter is greatly appreciated. Thank you.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX Account Number : XXXX XXXX : {$580.00} 2. XXXX XXXX Account XXXX : XXXX Bal : {$3500.00}
Product: Debt collection

I paid the medical bill the same day of the clinical visit on XXXX and the amount charged was of XXXX $ not the amount of XXXX $
Product: Vehicle loan or lease

I put down a {$5000.00} down payment cash on my car but it says credit on my contract!
Product: Debt collection

My identity was fraudulently used to get XXXX XXXX XXXX XXXX cable service by someone from another town. I called the creditor and I they investigated. They could not proof it was me since I live in XXXX, CA. It went away and now they put collections for {$180.00} on my credit report. I have had XXXX XXXX for the last 4 years or so.
Product: Student loan

I requested a {$10000.00} refund on my last loan payment. That submission was on XX/XX/2022. I have since never recieved the refund nor my balance has been updated on the loan servicer website. I have called multiple times since then and no one has an update for me and I have since seen no refund or movement on my refund request.