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

Upon making a minor change to a soft inquiry, I was supposed to be mailed a new credit report. 

I received TWO credit reports from Equifax, for two other people - one in NJ and the other in GA. I didn't receive mine. 

1. Calling Equifax, I asked to investigate where my credit report has been mailed to. They totally failed to provide information about this. I was told by XXXX XXXX that Equifax can't investigate this- Why- It appears that Equifax has breach MY credit file along with the two wrong ones they sent me at my XXXX  address. Does my address appear on the two wrong credit files breached from now on. - No answers from Equifax. Can I trust Equifax to mail me a new report? Will they breach me again along with other person ( s )?

2. Asked on what to do with the wrong reports- one agent XXXX XXXX said to mail them back and they will mail me a check for the {$50.00} to cover mailing cost. How can I trust them to do this as they would not give me a direct person and address at Equifax to mail them back XXXX. ( I live in XXXX XXXX ). 

3. Agent XXXX told me to destroy them. - Could I be subject to investigation for their credit ID theft if the two people filed police reports? I'm sure Equifax will cooperate with the police in this matter. Can law enforcement tell me where my credit report was mailed to? Will the XXXX  police come knocking at my door? 

4. Equifax would not tell me where they are going with the breached files? I did tell Equifax the confirmation numbers of the breached files. It seemed they didn't believe me or didn't care. I called XXXX, CO Police Dept. ( XXXX XXXX ) hoping they had answers. They didn't help much. 

5. I hope someone in law enforcement can help with this problem. I will give full details of the breached files to law enforcement. Please call me anytime day or night. I'm sure that the two people who Equifax mailed me would be relieved and I need help to find out about my mailed credit report sent to whom?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft since XX/XX/XXXX. Checking account and saving account was not impacted by this. Individual took out personal loan and opened bank credit card in my name. I have been alerted of multiple inquiries that individual has attempted to take out additional loans in my name.

I've taken all necessary actions best to my knowledge to have this resolved. I reported identity theft though the 3 credit bureaus, IdentityTheft.gov, ssa.gov, and my local police station. I froze my credit with the 3 bureaus, closed my bank accounts and created new. 

Here are details of the accounts opened fraudulently : XX/XX/XXXX Account Balance {$9100.00} Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX OH, XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud dispute on this account XX/XX/XXXX through XXXX. A dispute was filed through XXXX XXXX on XX/XX/XXXX. After investigation, XXXX concluded that I am not responsible for this dispute balance amount on XXXX XXXX. Complete and notified on XX/XX/XXXX. 


New Inquiry XX/XX/XXXX / New account XX/XX/XXXX Account Balance {$9600.00} Account number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Creditor Name XXXX XXXX XXXX XXXX  Industry Type Personal Loans Companies I filed a dispute through XXXX XXXX for this account XX/XX/XXXX with no update. I filed a second dispute through XXXX XXXX on XX/XX/XXXX that was submitted to TransUnion. on XX/XX/XXXX I received results that the dispute information was verified as accurate and Transunion did not change my information. This is the last and final dispute that has not been resolved. This account is significantly impacting my credit score negatively. 

I am XXXX XXXX XXXX and have never owned a credit card. The only loans I have are XXXX loans. I am recently XXXX and me and my husband are not able to purchase our first home because of this. In addition, I am unable to get my first credit card to improve my credit score since I do not qualify.
Product: Debt collection

I sent a certified mail to Conserve for a debt verification for a loan they claim that i owe. The letter was date XX/XX/2022 and was mailed XX/XX/2022. This collection agency failed to show proof of the loan and which that includes my original signature for said debt within 30 days. I included the letter that i sent, and their response along with proof of the certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have very good credit ( score XXXX ). I am trying to apply for a car loan with my daughter and have been told by XXXX that it was denied because Experian was unable to verify my identity. According to XXXX, Experian has a " mismatched report '' on me that only Experian can resolve. I have tried multiple times to call Experian to speak to a representative about this to no avail. It is impossible to get a person on the phone at Experian XXXX XXXX XXXX despite trying every menu option available. Meanwhile, the credit " unfreeze '' timeframe that I placed on my account has passed, and I still do not have this resolved nor was I able to get a loan against my very good credit. 
Furthermore, XXXX representative told me that Experian is the worst for this issue - and that it is very difficult to talk to an Experian representative. This is unacceptable. Could you please help me resolve this? Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/year>XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the COVID-19 pandemic first occurred I called the company, Credit Acceptance, when I first lost my job and they told me that the only thing that could be done for me is they would erase late payments. So as soon I as I received any financial assistance I made sure it was one of the first bills I took care of because it was showing up as a late account on my credit report. That was in XXXX. In XXXX the account was up to date. I kept checking my credit report and it has not been updated since XX/XX/XXXX. I have been in contact with them 4 different times and they have given me different answers every time. I called XX/XX/XXXX and they told me there was a freeze on my account and they were going to take it off so my credit would be reported on the XXXX on XXXX. I then received an email XX/XX/XXXX and it said they were not reporting until XX/XX/XXXX. Now they just told me I have to fill out a form to take the freeze off. I also have disputed this with each of the credit bureaus and they told me the information was accurate and nothing about a freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

The original creditor " The XXXX XXXX '' performed surgery on my wife 's cat. They stated we should use XXXX XXXX, and we subsequently applied and were granted {$4500.00} for the surgery. They performed the surgery, and did not anchor the leg pin correctly. The pin stuck out of the cats skin more than an inch, and required constant wound care. We took her back, and they said they had no idea what to do, and we had to beg for antibiotics. They refused to perscribe cat pain killers even though she had a XXXX out of her back. They then informed us that they had fired their office manager, and would not take the XXXX XXXX which they had suggested directly that we use, and that the full amount was due even though the credit terms with XXXX XXXX were 2 years no interest. This is unacceptable and borderline fraud. We attempted many times to talk with the business owner to come to some arrangement. 

We have since filed a small claims case against the practice, and we had notified the business of the court case prior to them selling our account to a collection firm " AUDIT AND ADJUSTMENT ''. When we found out about the collections, we contacted the collection firm and notified them that the debt was disputed, and sent them copies of the court papers. 

Their response was a simple note with the name, but not address of the XXXX XXXX ( I believe that FDCPA requires the address as well ) as their verification of the debt. We called back and reiterated that there was an ongoing dispute and pending court action. Imagine my surprise to when my credit monitoring software notified me today that " AUDIT AND ADJUSTMENT '' had filed a collection record. First the debt is clearly being disputed and a Judge will decide if the XXXX XXXX is liable tomorrow. Second for them to go after myself and my wife and ding our credit when there is a clear and specific dispute and pending court action where we are the moving party is insane.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : REASON : XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX  XXXX FRAUDULENT ACCT SELF XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT FIRST PREMIER BANK XXXX FRAUDULENT ACCOUNT
Product: Debt collection

Submitted a dispute requesting verification of debt that is reporting on my credit report. I have not received any proof of documentation of said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 accounts 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 accounts from my credit report : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX PA ) XXXX Balance : {$70.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX BANK has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE
Product: Mortgage

Foreclosure Proceedings have been set for XXXX XXXX, XXXX and I am trying to prevent this Foreclosure as the bank has not followed through with what we have agreed that I will obtain new Financing to remove them from the note and they will not work with me. Please contact me with what ever you need from me for documentation as I have a substantial amount of information/documentation and can provide whatever you need. I had filed for bankruptcy protection in XXXX of XXXX as the Bank of the West filed for foreclosure at that time. XXXX/my attorney at the time agreed that we should have the case dismissed and this would allow the new bank I currently am working on refinancing ( XXXX XXXX XXXX XXXX XXXX ) ( new Bank ) to remove them from the SBA guaranteed loan. I/we have followed the protocol as outlined by the bankruptcy judge and have continued to make the monthly payments of {$2600.00} of which they mailed XXXX XXXX, XXXX payment back to me stating that they have already filed for foreclosure of XXXX XXXX, XXXX. AgainI have made payments as outlined in the bankruptcy proceedings and have made them prior to the due date. Besides what is listed above XXXX has further requested the following:1. ) XXXX has asked them for all of the Financial back up including what they claim to be in arrearage. 
2. ) XXXX has asked to set up payment arrangements once we have received the financial information ( again to no avail ) 3.why would they contact my Investment property owned by me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX ) which has a Tenant living there. The tenant whom received a notice to vacate the property prior to the foreclosure sale of XXXX XXXX, XXXX has XXXX young children and is a single mom now has severe XXXX over this. This property deeded to XXXX XXXX XXXX has a lease agreement with the tenant whom was unaware of all of this. 
4. ) XXXX/I have asked for a full accounting detail break down of the account since it inception to assure that funds have been properly applied. 
5. ) What XXXX has received is very vague and I am not sure how a loan that shows a principle balance of XXXX XXXX round figures ) and a maturity date of XXXX XXXX could now be stated ( according to what vague we got XXXX {$31000.00} how can the loan go up from XXXX to XXXX???? 
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them? 
I do intend on filing with the Consumer Finance Protection BureauRespectfullyXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion on XX/XX/year> threw XXXX XXXX  sent me threw Trans union info on my credit file is not correct or someone has committed fraud on me by the info showing on the reply back from Transunion. 

other info showing not correct by Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

discover card has failed to update my account balance with all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Negligent Credit Reporting under 15 U.S. Code 1681o Dear Experian, I am writing to formally dispute inaccurate information that has been negligently reported on my credit file, violating my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o, credit reporting agencies and data furnishers have a legal obligation to ensure the accuracy of consumer reports and may be held civilly liable for negligent noncompliance. 

Upon reviewing my credit report dated [ date ], I identified the following erroneous information : Disputed Item ( XXXX ) : XXXX XXXX XXXX  [ account # XXXX ] this account doesnt belong to me. 

This inaccuracy has negatively affected my credit profile, and your failure to maintain reasonable procedures to ensure maximum possible accuracy constitutes negligence under the FCRA. 

In accordance with my rights, I formally request the following : 1. A thorough investigation of the disputed item ( s ).

2. Immediate correction or deletion of the inaccurate information.

3. A written statement confirming the results of the investigation.

If this matter is not resolved within 30 days, as required by law, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies for damages caused by this negligence.

I appreciate your immediate attention to this matter. You may contact me at or should you need any further information. 

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

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX consumer reports from Trans Union LLC with incorrect information after the XXXX have disputed all the inaccurate information. The XXXX received updated consumer reports on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the Principles ' middle name still mis-spelled. Trans Union LLC continued reporting inaccurate information on the XXXX 's consumer report. 
As the Agent to the XXXX  I have pursue this matter legally due the fact the Trans Union LLC assumed the roll of reporting and feel that Trans Union LLC can report what they choose. Despite the many Lawsuits filed by the CFPB, FTC and many consumers. 
So the XXXX as chose to Arbitrate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint against Transunion Consumer Solutions. There is no third party involved in this complaint. I am demanding that Transunion Consumer Solutions provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Transunion Consumer Solutions provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Transunion Consumer Solutions has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Transunion Consumer Solutions have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.
Product: Credit card or prepaid card

I have Chase XXXX Rewards Club Select Credit Card since XX/XX/XXXX. Every XX/XX/XXXX Chase charges me for the annual fee of the credit card and a free night certificate is issued to my online XXXX account that can be used on any XXXX properties.

This year I was charged the annual fee in XX/XX/XXXX as usual and I paid off my bill on time. But the free night certificate is not yet to come to my account. My account is always in good standings. I waited until XX/XX/XXXX and then reached out to Chase via secure message on XX/XX/XXXX about this issue. Chase replied back that I needed to contact XXXX Rewards Club. 

On XX/XX/XXXX, I called XXXX for this issue. During the same call I was transferred back and forth between Chase and XXXX for 5 times and the last agent from Chase was very rude saying that I was not qualified for the free night reward this year and hung up the phone. I spent over 70 minutes for this call and the issue was solved.