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

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXXXXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX 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 Listed below are the Collections that are being challenged XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting information on my credit report. I have no knowledge of this debt. XX/XX/2023 I requested validation of the debt and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out in XX/XX/2017, that I was a victim of Identity Theft. After the initial shock of realizing that my personal information had been compromised I immediately went to my local police department to file a report. They said that since I did not have any information on who had stolen my identity that I could not file a report about that time. I went home and pulled all 3 credit reports and found numerous items on there such as inquires, and collections from accounts that someone had opened without my knowledge using my Full Name, SSN, and D.O.B. I called each credit bureau to find out what steps I should take to have these items removed and permanently deleted from my reports and to also put fraud alerts on my reports as well. They told me to go to FTC.GOV and fill our a FTC AFFIDAVIT and get it signed and notarized, and also fill out an FTC Identity Theft Report on the same website. After following those exact instructions I was told to fax all that information in to each Bureau and once the information is received ALL fraudulent items would be deleted. XXXX is the only Bureau that has complied with the promise given and have given me the help that I needed to try to rebuild. XXXX, neither Experian have done anything that they said they would do. I have faxed and mailed a copy of all the items requested over 10 times and XXXX, and Experian have yet to remove the items that were apart of my identity theft. I have called and they keep telling me to fax and mail it again. I need the CFPB to help me get this issue resolved. I am a victim and these two credit bureaus have ignored my efforts to fix this situation and continue to give me the run around on a daily basis. Please help me to get this matter resolved. The only resolution is for XXXX and EXPERIAN to Permanently Delete ALL fraudulent items from my credit reports.
Product: Credit reporting 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, military star, XXXX home stores, syncb car care, first premier bank, XXXX, XXXX, fed retailXXXX XXXX XXXXXXXX, cab indigo, XXXX destinyXXXX XXXX networks, comenitycapital bank, XXXX, bank of Missouri, upstart, integrated credit, self financial, pay lease, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reported agency may make any consumer report and containing any of the following items information any other adverse item information other than records of convictions of crimes which antedates 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 report agency if the person knows or has reasonable cause to believe that the information is in accurate
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

Monthly payments not reported to credit bureau by loan company monthly as promise second time having too write a complaint about this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and fraud! I have contacted XXXX 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : CBNA XX/XX/2020 CBNA XX/XX/2020 XX/XX/2020
Product: Student loan

- One XX/XX/XXXX I adjusted my ACH auto debit payment down to {$1000.00} per month, down from {$1200.00} per month. The excess {$200.00} was above the monthly minimum payment. 

- On XX/XX/XXXX I received notice from XXXX that they were cancelling my auto debit and its associated 0.25 % discount. It included a notice that if I did not intend to cancel autopay to contact XXXX to resolve the issue. 

- on the XX/XX/XXXX I attempted to reinstate auto debit for my account but was presented with a message there was an error in processing, please contact us- on XX/XX/XXXX I called XXXX support, but was on hold for ~1 hour. Because of the excessive hold time I scheduled a call for the earliest date available in their portal of XXXX. The intention of this contact attempt was to inform XXXX of the difference between the reduction in auto debt I executed in the online portal and the cancellation I was informed of through email. 

- On XXXX I did not receive contact from XXXX as expected. 

- On XXXX I contacted XXXX again, this time I was able to reach a customer support agent. After explaining the difference between the actions I performed in the mobile app and what was executed on my account, the agent refused to reinstate the auto debit and its associated discount. The only option provided was to fill out the form again and wait 30-60 days for it to be processed. I was transferred to another agent who did not provide any additional options.
Product: Credit card or prepaid card

I've never heard of or received anything from this company. I have no knowledge of these charges : Copied and pasted from website : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY I haven't bought anything from XXXX ny .
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor ( XXXX XXXX ) keeps changing the status on this account. They are reporting false and inaccurate information. When Equifax researched this account, it was updated for less than a week, and then went back to having multiple inaccuracies. The creditor blames and says it is Equifax 's fault for the inaccurate reporting and Equifax tells me to talk to the creditor. This is extremely frustrating at the very least. The account itself is a total contradiction with many inconsistencies. This account has never been late, has always been paid as agreed, ( even reflects in account info/payment history ) yet they are reporting a past due amount. This account has been paid and should reflect a paid balance, yet it is still reporting a balance. This account has long been closed yet still appears as open. None of this makes any sense, yet this account keeps reporting as such. It is in complete violation to report and verify false and inaccurate information. I have been denied recent credit because of these erroneous items that appears on my credit report. I have attached proof of this claim. I request that Equifax delete this account from my credit report. This account is completely inaccurate and does not reflect my credit history or my credit worthiness. No one should have to go through this. Please delete this account/tradeline from my credit report. I have attached previous disputes and complaints that were resolved through CFPB. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 XXXX added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXX XXXX  had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding Equifaxs failure to resolve repeated disputes over inaccurate information on my credit report and am demanding immediate corrective action under the Fair Credit Reporting Act ( FCRA ).

Despite numerous dispute attemptsincluding certified letters, emails to Equifaxs representatives and
Board of Directors, and several disputes initiated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXEquifax has failed to delete the incorrect information. In a phone call with XXXX XXXX XXXX, yesterday a representative from Equifax, I was informed that Equifax would not remove the data, arguing that the error stemmed from the creditor. However, as a consumer reporting agency, Equifax is legally required under FCRA 611 to correct or delete inaccurate information once it has been identified, regardless of the origin of the error ( 609letter Fair Credit R ).

The FCRA mandates that Equifax reinvestigate disputed information and delete any item found to be inaccurate, incomplete, or unverifiable. Furthermore, under FCRA 611 ( b ) ( 5 ), deleted information can not be reinserted into my credit file without certification of accuracy from the information furnisher ( 609letter Fair Credit R ). Equifax must also maintain reasonable procedures to prevent the reappearance of any deleted information, as required by FCRA 611 ( b ) ( 5 ) ( C ) ( 609letter Fair Credit R ).

Summary of Actions Taken : Certified Letters Sent by Mail : Multiple certified letters were sent detailing the dispute, with documentation substantiating my claims.

Emails to Equifax and Their Board of Directors : Escalation efforts included emails to the Board, highlighting the error and requesting deletion. 
Phone Call with XXXX XXXX : I was told that Equifax would not delete the incorrect data, attributing the responsibility to the creditora reasoning inconsistent with the FCRAs requirement for consumer reporting agencies to uphold accuracy.

Equifaxs ongoing failure to act in compliance with the FCRA has negatively impacted my credit profile. Therefore, I am requesting the immediate and permanent deletion of the disputed information, confirmation that it will not reappear on my report, and assurance of adherence to FCRA guidelines.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Received notice of alleged debt relating to overdraft charges on an account which had been disconnected prior to charges being incurred. Wells Fargo refused to remove the charges and subsequently closed the account after I sent a negotiable instrument with specific instructions to discharge I received no notice in writing from a third-party concerning dishonor of the instrument. Inquiries into the missing instrument have yielded no answers. Written responses to Wells Fargo have not been answered. According to the Maxims of Commercial Contracts by acquiescence Wells Fargo has agreed to charges of fraud against myself and co-owner the trust entity. 

I read about many fraud charges being leveled against Wells Fargo including employees fraudulently creating accounts and stealing money from depositors and other fraud. 

I read about the XXXX XXXX settlement that had been reached and I wonder why Wells Fargo has not contacted me concerning the account charges and the account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, I spent 3-4 hours of my life trying to get Transunion to remove a Fraud Alert on my account. Not one employee could help. None. They sent me to their site to upload documents ( fraud.tranunion.com ) and the site would NOT WORK giving a constant error message. I told their employees and NONE could help or provide answers why. The best I could get was a supervisor saying he will try to " escalate '' this to get a tech support person to call me in 72 hours. Are you kidding me? I try for almost 4 hours to provide the documents you request to get this done and your system will not work and this affects my life adversely for at least another 3 days if I am lucky? When are these actions and total lack of support held accountable? I WANTED to provide documentation and they would not accept it. This treatment is not acceptable and consumers need to have some recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed accounts with Equifax been 45 days no response
Product: Credit reporting or other personal consumer reports

Yes I sent multiple letters certified to Experian, showing multiple reporting errors on my report. They did not respond and kept sending me emails stating they did not think it was me. I sent them stall letters stating that they were just stalling to not take care of the issue. After finally calling them and stating my concerns they finally processed my letter after over 30 days, Claiming they know have 30 days to respond. Which is incorrect because they have 30 days from my letter is received. They then " verified the debt '' just two days after I called. I ask for proof of verification with no response. I demand that these accounts be removed from my report as they are inaccurate and they are violating consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit file and noticed hard inquires on my credit report that were not authorized by me. XXXX ( XX/XX/20 ) XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX XXXX XXXX XX/XX/20 ). I have never done business or have tried to acquire credit from any of these companies so I would like for these inquiries removed from my credit file. I have reached out to these companies already but they do not have any information for me on file so they are not able to help me. 
I think that my information could have been stolen when my home was broken into and someone could be using my information to obtain credit. I would like for these inquiries to be removed ASAP as they were not authorized by me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Nuimber : XXXX Account Name : XXXX Account Nuimber : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Nuimber : XXXX Account Name : XXXX XXXX  Account Nuimber : XXXX Account Name : XXXX Account Nuimber : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I keep getting emails addressed to someone with a different, but similar, name who has apparently taken out personal loans with a company called Upstart, which I believe is an online loan service. I presume our email addresses are similar. I am not, nor have I ever been, a client of this company. 

I have twice called this company to tell them that they are using an incorrect email address and that I am receiving notices intended for their client. These emails divulge the amount of the loans, the amount of the monthly payments, the length of the loans, the loan account number, the name of client 's bank from which the payment will be drawn, and the last four numbers of the bank account from which the payment will be drawn.

Despite my twice letting the company know in telephone conversations that it is divulging sensitive information to someone who has no right to it, they have not addressed this issue. It may be that their client and I have similar email addresses, but the address should have been verified before they began using it. Clearly they did not.

I am concerned that this company, UPSTART, is not taking appropriate care with its clients ' information. I know far more about this stranger and her financial dealings than I should. Please look into this. My understanding, based on a small amount of research, is that much of the client interface with UPSTART is AI generated, thus it may be difficult for them to find and/or correct mistakes of this nature.

To repeat, I am not a client of this company, but I am receiving information for/about one of their clients, and I have no right to that information.
Product: Mortgage

EQUIFAX MORTAGE PUT A UNKNOWN INQIURE ON MY CREDIT REPORT AND HAS FAILED TO TRY TO REMOVED IT AND ITS NOT FAIR TO ME TO HAVE IT ON MY CREDIT REPORT HURTING MY SCORE
Product: Payday loan, title loan, or personal loan

all my extra payments is going to the interest of the loan.. none of it is going to the principal..I made an extra payment on XX/XX/2019 of {$100.00} at the time my balance was roughly {$9000.00} ... since then I made 2 more extra payments one for {$43.00} and the other for {$44.00} which I thought it all was going to go to the principal and it didn't ... .it all went to interest ... my balance is still {$8900.00} ... I will never get this loan paid off this way