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

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Id theft insurance and XXXX will not respond or honor my claim. A stolen identity event has been made clear by multiple companys and they refuse to provide me the insurance I paid for.
Product: Credit reporting or other personal consumer reports

I have sent certified mail to XXXX Transunion and XXXX with documents support my dispute. They have violated my consumer rights,. 
They have not removed the accounts from my credit report and i am demanding them to do so. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a 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 in violations 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 reports they in violations Under, 15 U.S Cod e 1681b Permissible purpose of consumer reports ( a ) IN GENERAL ACT following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCYTION 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 a s a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
Product: Credit card or prepaid card

Someone fraudulently applied for a Best Buy credit card and account using my personal information on XX/XX/2023. On XX/XX/2023 I received a letter from Best Buy Credit Services informing me of a denial of application due to my SSN not matching the SSN on the credit bureau report. The consumer reporting agency used was XXXX. Due to the letter I received I was made aware of the fraudulent inquiry and credit card application using my personal information. I immediately got a credit report from all XXXX, XXXX ; XXXX ; XXXX, consumer reporting agencies and filed a dispute with XXXX which showed a Hard Inquiry with CitiBank NA., Best Buy made on XX/XX/2023. I will be filing a police report and be taking all necessary steps in order to have this fraudulent hard inquiry removed from my credit report. Credit report freezes and locks are in place since being aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

JH Portfolio Debt Equities , LLC mailed a justice court citation for debt collection for XXXX XXXX account ending in XXXX. my wife does not have this account. they have been calling my wife and harassing.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/ to XXXX, Transunion, and XXXX. Here are my tracking numberXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they spoke with. 
How did they complete this investigation.
Product: Debt collection

Never had an account with this company, I notice they appeared on my credit report as Debt buyers account reporting fraudulent and negative information. They have called me several times mostly back to calls throughout the day and I've asked them to either provide me with a purchase agreement and stop calling me. They have not done so and continue to harrass me and call from different numbers after I block the others.
Product: Prepaid card

On or about XX/XX/2023, I obtained a XXXX gift card along with several other people who also got XXXX gift cards for participating in a seminar from my local councilman office. All of the other persons who got gift cards also could not use the cards but I am here to complain about my own self. I have attempted to use this card at least XXXX times since XX/XX/2023, each attempt the card is declined. I have called the issuer of the card several times to be told the card is active, use it at a different merchant. I even called XXXX XXXX since the card has the XXXX logo upon it. XXXX called Vanilla Gift while I was on the line for a conference call. Vanilla told me the card is good and asked me where I was trying to use it and how was I trying to use it. I kept asking for either a refund or replace the card. They claim that since the card is active then I am not using it correctly or I am not entering the numbers correctly. My request for a refund or replacement card was denied.
Product: Money transfer, virtual currency, or money service

There was XXXX wire transactions conducted one for XXXX and another one for {$980.00}. And also a XXXX but they returned my XXXX XXXX and did nothing about the wire transfer this is very heartbreaking
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax for Reporting Inaccurate Information To Whom It May Concern, I am writing to formally file a complaint against Equifax for reporting inaccurate information on my credit report. I have attached a screenshot that illustrates the discrepancies. 

Details of the Complaint : Company Name : Equifax Account Number : XXXX XXXX Nature of Complaint : Inaccurate reporting of payment history Description of the Issue : I have recently reviewed my credit report and noticed several inaccuracies. Specifically, the report shows the following concerning my payment history : 60 Days Past Due : XXXX XXXX 90 Days Past Due : XX/XX/XXXX Other inaccuracies as reflected in the attached screenshot. 
These inaccuracies have negatively impacted my credit score and my ability to obtain credit. I have attempted to resolve this issue directly with Equifax but have not received a satisfactory response. 

Request for CFPB Action : I request that the CFPB investigate this matter and take appropriate action against Equifax for their failure to report accurate information. Additionally, I would like Equifax to correct my credit report and ensure that accurate information is reflected going forward. 

New Fine from CFPB : I am aware that recent regulations from the CFPB impose significant fines for companies that do not comply with accurate reporting standards. I urge the CFPB to consider these fines in their investigation of Equifaxs practices. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have been trying to go onto Experian website to file a dispute. However, the dispute page does not load. When I phone Experian, I can not speak with anyone to get get help form the company, so I can file my dispute.
Product: Debt collection

Basically the XXXX XXXXXXXX XXXX team failed to submit payment on time. And now I have received a collection notice asking for payment
Product: Mortgage

Back in XXXX I faced foreclosure due to the actions of my soon to become ex-husband. I was in constant communicaton with Wells Fargo who advised me that once I got the divorce finalized that then I could go through the loan modification process, getting the house put in my name and refinancing for a new start. Then once the divorce was final they then said never mind and refused to modify the loan and started the foreclosure process. To avoid foreclosure I worked with a realtor for a short sale which they took over 6 months to approve and we almost lost the buyer. Once they approved it we had to be closed within a couple of weeks!! This meant we then had little time to find another place and ended up paying the buyer {$3000.00} to rent it back for a short time so we could find something and move. 

Fast forward to now and I just recieved a {$200.00} from Wells Fargo with a letter saying they had identified that when the loan was considered for payment assistance options an error may have occured. This cost me FAR more than {$200.00}, losing our family home and having to rent for the last 8 years.
Product: Debt collection

I moved out of XXXX XXXX XXXX  and received a final ledger that stated a {$0.00} balance. Upon receiving my credit report, a collection company by the name of Allied Collection services was found to report a charge of {$1600.00} on my credit. Since first reported, it is found that Allied Collections works for XXXX XXXX. The charge has went up to {$1900.00}. 

The charge is false. Also, I never created an account with Allied Collection Services.
Product: Credit card or prepaid card

Synchrony Bank allowed someone who stole my Identity to open two accounts ( XXXX  XXXX XX/XX/2015 ) and XXXX XXXX XX/XX/2015 along with a few other Synchrony Bank store cards. These account were open as part of a person who stole my identity living as me for quite some time even attempting to make payments to keep the theft ongoing. they were notified numerous times over the last 4 years about this yet stated my claims were invalid and basically called me a liar, They have since gave no relief or help in this matter and continue to ignore me. 4 years has been long enough for them to resolve this matter
Product: Vehicle loan or lease

ON XX/XX/XXXX WE WERE APPROVED FOR A LOAN THROUGH CAPITAL ONE AUTO FINANCE.The vehicle they financed had been involved in a rear end collision with 2 other vehicles.truck rear ended vehicle in front and the truck was hit from behind also. front end of truck sustained moderate damage.rear of truck minor damage to bumper. 

we come to find this out after having vehicle diagnosed for an engine problem and the truck needs a motor and is inoperable.computer diagnostics wereperformed and a thorough inspection performed.The mechanic who looked at truck found some hidden from plain sight issues and pointed them out.The after market exhaust system and fiberglass muffler were installed before the vehicle was sold to us.Mechanic said they sold you junk.It should have been reported on car fax.The car fax the dealer showed us was incomplete and missing information.The car fax I ordered XX/XX/XXXX reveals more information but does not specify extent of damage.We went to the clear vin website and ordered a report there which did gave less detailed information.i posted the truck onto XXXX XXXX and find auto check report containing clear concise damage information.car fax we ordered shows FUNCTIONAL DAMAGE REPORTED.MEANING TRUCK WAS NOT DRIVEABLE. 
the front end was busted up and quite likely why we are having problems not just with the engine, also going to use 4 wheel drive, wheel alignment- front end wheels could not be properly aligned odd.Maybe slightly bent control arm.steering wheel and driving vibration troubles.There are problems brought up when changing oil with having oil filter and oil pan problems noted. 
had the dealer been honest we would have not traded in my car or put money down nor would a lender have financed this vehicle.
Product: Credit reporting or other personal consumer reports

I sent disputes to experian and its been more than 30 days since I heard from results of disputes. Most of all of my disputes are older than 129 days or they are charge offs or they are in limbo and action is not being taken expeditiously
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX I sent an initial complaint dated XX/XX/2024 with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX  XXXX ) received that letter with certified returned receipt : XXXX on XX/XX/2024. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. 

TRACKING NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Mortgage

I closed on a home with a VA loan on XXXX XXXX, 2016. My first mortgage payment was due XXXX XXXX, 2016. I paid my mortgage and extra principal early with a check date of XXXX/XXXX/16. The check was cashed by XXXX XXXX on XXXX/XXXX/16. During the time period from XXXX/XXXX/16 to XXXX/XXXX/16 XXXX sold my mortgage to Ditech. Ditech gave me credit for my payment on XXXX/XXXX/16 and not the original date when the check was cashed. I sent in proof information ( bank statement, copy of the check, etc ) through a link Ditech provided to make Ditech give me credit on the date the check was cashed. However, Ditech said I never sent in the information and said that they would not backdate my payment. I paid my mortgage amount of {$1000.00} plus another {$1000.00} for extra principal. I am XXXX years old and have amortized out paying my mortgage in 10 years. So it is important to me that I get credit for the correct date my check was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off two credit cards balances in XXXX, and XX/XX/2018 and my FICO was at XXXX. I called Experian and discussed my one credit card incorrectly still showing a balance of {$1900.00} when this balance is XXXX in XX/XX/2018. They said wait until tomorrow ( XXXX ) and it will post. Today XX/XX/2018, I received a email your FICO has decreased 10 points. I called them on the phone and asked them how my FICO could drop 10 points in one day. They said we think you charged {$100.00} on one credit card in XXXX XXXXwhen I challenged that they said we dont know. I was also told since I do not have a mortgage that fact negatively affects any credit card debt. My credit card debt is medical costs for my XXXX. I reminded them I paid on time all credit cards and I recently paid off a {$1900.00} balance in XX/XX/2018. I asked for a Supervisor and she said I do not know why your FICO dropped and I have no control over your FICO its system generated. I asked her to identify the creditor so I could dispute the FICO drop she said there is no creditor or action to dispute your FICO just dropped automatically. The email states : Your FICO Score had decreased by 10 points. Good news. Even though your FICO Score went down your Credit Rating did not so it should not impact your credit worthiness XX/XX/2018 See attached Email. I was told to get a credit advisor Experian does not have any control over rising or lowering your credit score 10 points over night for no reason. There has been several increases and decreases for no reason over the last six months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Date ] Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Account Details Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with Regional Acceptance Corporation, referenced in the attached document. Please note that I am not disputing this account. Instead, I am requesting clarification and specific details related to its history for my records. 

Specifically, I would like to request the following information : 1. The date of first delinquency for this account.

2. The date of last payment made on this account.

3. The date of charge-off for this account.

Providing this information will help me maintain accurate personal records. I would appreciate your cooperation in furnishing these details promptly. If there are any forms or processes required for my request, please let me know. 

Thank you for your assistance. Should you need additional information from me to complete this request, feel free to contact me at XXXX or XXXX. 

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

I originally filed a complaint with you all because im unable to dispute my credit report. I recently got a letter from XXXX saying the issue is my dispute is illegible, they further explained that by illegible they mean they can't read my handwriting. That's weird because I disputed online. My dispute is typed on a computer and I assure you I can type and spell. So now instead of disputing online they want me to call. So I call, the operator says we only accept disputes my mail or online! I ask could she please fix my acct so I may do so, she said it was fixed. No it's not I can not dispute anything, it still says PLEASE CALL.. I have been through this process with these people 10 times over 3 weeks. Please help
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Unauthorized Collections Dear XXXX Dispute Resolution Team, I am writing to demand the immediate removal of two unauthorized negative collections from my XXXX credit report. I have no knowledge of these accounts and did not authorize them. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required to verify any accounts you list on a credit report through the physical verification of the original signed consumer contract. This requirement ensures that fraudulent accounts can not be included in credit reports. I demand that you provide verifiable proofspecifically, an original consumer contract with my signatureof the accounts listed below. If you can not provide this verifiable proof, you must remove these accounts immediately. 

The unauthorized collections in question are : - **OXYGEN XL** Creditor XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$420.00} - **OXYGEN XL** Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$390.00} These accounts have adversely impacted my credit score and my ability to obtain credit. Under the FCRA, unverified accounts must be removed from my credit report. Failure to provide the required proof or remove these accounts will be a violation of federal law. 

Please address this matter urgently and confirm the removal of these entries or provide the necessary documentation within the statutory timeframe. 

Thank you for your immediate attention to this issue. 

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

I was overviewing my consumer report, and noticed that transunion is reporting information on my report without, any consent from me as a consumer i have a right to privacy, and sharing information without my written consent. This is a violation of my federal rights .federal rights are currently being violated Under 15 USC code 1681 b 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 instructions of the consumer to whom it relates. I XXXX XXXX never gave transunion permission. I did reach out this company certified mail asking for removal. I demand that this information be removed immediately for fed loan on my report.
Product: Debt collection

XXXX XXXX XXXX are reporting on my credit report & attempting to collect a debt I do not owe. For one I never received anything from this company regarding this debt. I just saw it on my credit report. 
For 2 this debt shows from over 7 years ago which is past the statute of limitations. 
This is erroneous and they are in violation. 
The next correspondence to them will be from my attorney.