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

My information was sold and bought illegally because I was a victim of the EQUIFAX Data Breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and that I emailed Equifax and Equifax has done nothing. Please help me delete these illegal accounts/inquiries, that I have disputed, from my consumer report, permanently. I also ask that Equifax please correct all inaccurate information. 

NOTE : PER 15 USC 1681i ALL INACCURATE INFORMATION MUST BE REMOVED PERMANENTLY BECAUSE I, XXXX XXXX, THE CONSUMER AM ALERTING EQUIFAX OF THE INACCURACIES ON MY CONSUMER REPORT AND THAT ALL OTHER : ADDRESSES ARE NONMAILABLE, BIRTHDAYS ARE INACCURATE, PHONE NUMBERS ARE INACCURATE AND CAN NOT BE USED TO CONTACT ME, NAMES ARE INACCURATE AND ALL EMPLOYERS LISTED ON MY EQUIFAX CONSUMER REPORT ARE FRAUDULENT. ( I emailed the correct information to Equifax And Also Disputed the Accounts/Inquiries With Equifax. ) My identity was stolen because of the EQUIFAX Data Breach. The Equifax Data Breach has caused me needless suffering and great harm. I have not been able to live a healthy and happy life due to EQUIFAXs ' gross negligence. I need relief immediately. I need to be compensated immediately {$1000.00} for all inaccurate accounts/inquiry, and inaccurate information disputed and removed and {$7500.00} for the actual damages of mental anguish, pain, suffering, homelessness, XXXX, fear, and XXXX delivered to my address by Equifax within the next 14 days. I also need Equifax to deliver my settlement check to my address within the next 30 days. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 
If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Credit reporting or other personal consumer reports

Iam filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts mark as inaccurate 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 or other personal consumer reports

I am filing this formal complaint against XXXX, Equifax, and XXXX regarding the continued reporting of a collection account by XXXX XXXX XXXXXXXX, which is in violation of the applicable statute of limitations under Oklahoma law. 

The collection account in question, identified by the following details : - Creditor : XXXX XXXX XXXXXXXX - Reported Date : XX/XX/XXXX - Balance : {$980.00} - Highest Balance : {$530.00} - Date Opened : XX/XX/XXXX pertains to an alleged oral debt, for which no signed agreement or written contract exists. According to the statutes governing debt collection in Oklahoma, the statute of limitations for oral debts is three ( 3 ) years, as prescribed by Okla. Stat. tit. 12, 95 ( 2 ).

Given that the purported debt was incurred more than three years prior to the current date, it is no longer legally enforceable. Despite the expiration of the statutory period, the aforementioned credit reporting agencies continue to report this debt as an active collection item. Such reporting is inaccurate, misleading, and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), which mandates the exclusion of outdated debts from consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, Portfolio Recovery Associates Inc is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

Portfolio Recovery needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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 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 ) ( 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 is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC has reported the account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I sent numerous letters to each credit bureau requesting accounts be validated and verified by sending pertinent information to identify my information. ERC was removed from my credit report, now it has reappeared. 

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for financial assistance which was highly embarrassing and has negatively impacted my lifestyle. 

CREDITOR AGENCY - XXXX XXXX XXXX A/K/A XXXX XXXX XXXX Please delete the above information as quickly as possible.
Product: Vehicle loan or lease

On XX/XX/2023, got an auto loan through united auto acceptance. Car got in accident and tattooed, ( not at fault ). XXXX Took forever to send me papers. got a repo notice. Wasnt paying loan, was told not to pay it since I did not have the car. It is totaled. Now its on credit 60 days late after XXXX  XXXX  did not do through their part.
Product: Credit reporting or other personal consumer reports

A background check was round for me through an employer. False information has came back about the criminal history and known aliases.
Product: Debt collection

Company on credit report is not licensed in Texas therefore I want it removed from my credit report
Product: Credit card

GECRB/AMAZON PLCC has been reporting an account to which is NOT mine. Following it 's discovery I submitted a demand for validation of debt and following their failure to do so, I sent the a motion to bring complaint under XXXX XXXX XXXX XXXX for unfair and deceptive practices and acts, to that they have also failed to respond appropriately. The company has violated multiple State and Federal laws in regards to FACTA and FDCPA regulations and suggest strongly that they are held accountable for said actions and sited for all violations in accordance with Federal Statutes.
Product: Credit reporting or other personal consumer reports

Experian is impacting my credit score by reporting an account that is not mines on my credit report The Account name is : XXXX XXXX XXXXXXXX. The Account number is : XXXX.
Product: Credit card or prepaid card

Around XXXX XXXX, XXXX tried to apply for a credit card to XXXX XXXX but I got denied and they sent me a letter stating that the reason for the denial is I have delinquent payments.I then checked online for my Credit report history and found out that someone opened a fraudulent accounts under my name.I tried to dispute it XXXX XXXX XXXX I called XXXX to ask them about the problem and the costumer service told me to report the problem to you guys. the amount of the outstanding balance from the fraudulent accounts are more or less {$40000.00} between the 2 accounts.
Product: Mortgage

I initiated a mortgage application to refinance a primary property I purchased in XXXX of XXXX. Day of closing my loan officer shows me the pay off from RoundPoint Mortgage Servicing and they are trying to be paid {$1700.00} for " Taxes paid ''. I had a tax proration on my purchase when I closed. I owed the tax proration plus the following year of taxes by XXXX of XXXX. I paid taxes due on XX/XX/XXXX on the county treasures website for the tax proration from the previous year and the entire year due. After calling Roundpoints customer service line about this, they essentially said that they were allowed to charge me what they want without providing any written notice more than once. They kept stating they sent me a letter in the mail saying if taxes were not paid within 75 days they would pay it an force escrow. XXXX XXXX stated the letter was sent out towards the end of XX/XX/XXXX. Roundpoint did not do a check to verify if taxes had been paid or not and sent a check to the county treasures office. Now today ( XX/XX/XXXX ) I am trying to close on a refinance and have to be delayed because Roundpoint will not update their payoff letter today removing their irresponsible charge of {$1700.00}. The front line agent was rude and disrespectful and her supervisor XXXX XXXX upon the initial call was rude and disrespectful as well. Both wanted to talk in circles about them having " the contractual right '' to charge me money with out notice and force escrow. Who is responsible to make sure they aren't irresponsibly charging/escrowing fees to their customers? I am attaching the letter they said they sent and I never received. Also, I will be attaching my paid receipt for taxes paid in XXXX and lastly, I am attaching the payoff I requested for the refinance.
Product: Credit card

XXXX XXXX. 
Complaint against Capital One. 
Capital one offered us a Walmart themed credit card that would give us a 5 % rebate on purchases made at Walmart. We activated card XXXX XXXX XXXX XXXX XX/XX/XXXX and began using. All bills have been paid on time, mostly within 3 days of receiving. We had been using a Fidelity card with 2 % rebate and we continue using this card. Sometime around end of XX/XX/XXXX received a notice that 5 % was being changed to 1.5 % and this notice was misplaced. ( Have since received a copy of this notice ) This document states " Starting on XXXX XXXX, you'll earn unlimited 1.5 % cash back on purchases everywhere XXXX is accepted including all Walmart locations ''. 
So on XX/XX/XXXX an order with Walmart was made and picked up on XXXX XXXX close to noon. When receiving statement it had card ending XXXX. An important notice on statement " we are unable to provide Rewards Summary on this month 's statement '' and nothing provided. Nothing online either and talking with Cap 1 agent discovered that only 1.5 % was given and excuse was about posting date which of course is out of our control. Nothing in document sent says anything about posting. So it is my belief Cap 1 has cheated/defrauded me out of {$2.00}. I had a long discussion with supervisor XXXX employee # XXXX on XX/XX/XXXX who would not change reward amount. I point out that Walmart used/accepted card XXXX for all purchases made until I changed back to Fidelity card . In document " You'll no longer be able to use your rewards during checkout at Walmart.com as of XXXX XXXX ''. 
Was also advised over phone that would get 5 % until using new card ending XXXX. Today XXXX # XXXX advised that there is no way to send this written complaint to Cap 1 via my computer. Cap 1 can send me emails, but I can not send them one. What a way to run a business. 
I also believe that 5 % rewards should be given for all purchases made with Walmart using card XXXX online as this is what I saw when ordering. Have never activated or used card ending XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$7200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I setup a payment arrangement with XXXX on XX/XX/XXXX to stop the collection letters and the legal action on my toll account. I paid a down payment of XXXX to bring my total to XXXX and have since keep my toll account current. I check my account today online on XX/XX/XXXX and noticed that my balance was XXXX which is wrong and I also noticed that my account had been sent to a collection agency and that it was awaiting legal action which is also wrong consider I have a payment plan and havent missed a payment since my first payment isn't until XX/XX/XXXX. I have attached the payment plan in which I have signed and I have also attached the incorrect amounts in which I am being sent daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Transunion for early 18 years plus they constantly have two separate credit files and refuse to merge them together reporting inaccurately and keeping old information, I got a recent copy of my credit report and as usual two separate files that should be together but are not. Therefore giving me a score that is low and causing me to be constantly denied. For a car loan, house or insurance and causing me financial crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

FirstmarkXXXXs extended a loan to a known felon in XX/XX/XXXX with my name unknowingly and fraudulently listed as a co-signor. I sent in a full packet to Firstmark, which they received on XX/XX/XXXX, which included a police report, FDIC fraud report, notarized signatures, notarized proof of my identity, a notarized fraud affidavit, etc. Instead of processing this packet, they demanded more signatures from different dates, although they had no signature from the felon to compare them to. I did send in several more signatures in XXXX, yet they have still failed to remove my name from this fraudulent line when I filed several disputes with the credit agencies, and they are also refusing to remove a hard inquiry in XX/XX/XXXX when I filed 2 disputes with XXXX. 

XXXXXXXX XXXX has recognized the loan is fraudulent. They got the money back from the school and zeroed out the account. 

But despite multiple disputes with credit agencies, Firstmark refuses to remove my name from this loan 's credit line as recently as yesterday. Refusing to remove my name from the hard inquiry on XX/XX/XXXX ( which I did not authorize ) is lowering my credit score with XXXX. 

( XXXXXXXX XXXX extended the loan, but FirstMark is currently processing it )
Product: Credit reporting

I have XXXX accounts listed on my credit report by a collection agency called " XXXX XXXX XXXX ''. I have disputed both with Transunion and the response was a remark on my report indicating " DISP INVG COMP-CONSUM DISAGRS ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type both are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither Transunion nor XXXX XXXX XXXX have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?
Product: Debt collection

Multiple times daily and weekly from Zwicker and Associates throughout 2018. Repeated calls after I sent a cease and desist letter in XX/XX/2018.
Product: Debt collection

My idenity had been stolen and I was notified by CRA I had a new debt from an apartment complex on behalf of genesis debt recovery. I have documentation my identity has been stolen and used. They are using all the exact same information as other companies they have been applying to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXXXXXX XXXX  for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXXXXXX XXXX  was reporting as late or behind multiple month payments. The result was a continuous reporting to the three credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the three credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in one month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is being negligent. I am a victim of Identity Theft and Equifax is still reporting the fraudulent information on my consumer file. Attached is my Identity Theft report and letter to Equifax. I tried uploading these documents to Equifax 's website and the website would not allow me to.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX ; XXXX XXXX [ Equifax ] DATE OF BIRTH : XXXX PREVIOUS ADDRESSES ( ES ) : XXXX XXXX XXXX XXXX TX, XXXX [ XXXX ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] ; XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX [ Equifax ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Equifax ] EMPLOYERS : XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX