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

I have placed and lifted security freezes in the past with Equifax. When I attempted to logon today to lift my freeze, the website would not allow me to log in. I called in to resolve the issue and was told my e-mail address was incorrect despite having used it in the past. I gave my name, address, DOB and social security number to verify my identity. Then I was asked numerous questions from my credit report. The questions were vague and difficult to answer including my mortgage payment ( refinanced recently and they were unable to tell me whether I should use my old or current monthly payment ) and my monthly minimum credit card payments. My monthly payments are usually XXXX  though there may have been some activity related to the recent holidays. The representative could not tell me which month they are referring to for the answer. I was also asked about a car loan that was closed in 2013 and NO I don't know who financed it since that was 7 years ago and my husband paid the bill. Then since my answers were " incorrect '' I was told to fax copies of my social security and driver 's license in and wait 5-7 days to be contacted. This delay is unacceptable. Asking these types of vague questions that are difficult to answer is also unacceptable. Please help Equifax be more consumer friendly while continuing to safeguard everyone 's private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint XXXX. I spoke with a representative of XXXX. I was informed that the incorrect information would be removed regarding the account at issue. XXXX has failed and refused to correct the inaccuracies that resulted from their internal policies and procedures. XXXX has not only punished me for error. They canceled my account without notice or any type of due process, or even a cursory review of facts and proffered evidence. 

Notwithstanding, XXXX has without cause cancelled my account that I had with XXXX for over 20 years. XXXX has cancelled my account and now states that XXXX will give me the opportunity to reapply. XXXX is fully aware that after 20 years of being timely with XXXX and all my creditors. I have retired and no longer have the financial power that I had before retiring. 

After having credit worthiness to obtain car loans, credit cards, and purchase three homes through the VA. After working and being financially responsible, XXXX set this entire situation in motion in whats appears an opportunity to discredit me knowing my insular and unprotected status. I am requesting that I be allowed to forgo any further internal procedures that XXXX is not inclined to respect. I am requesting that I be allowed to proceed directly to the proper judicial in an effort to be fairly heard, treated with some decorum of legality. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN XXXX OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on Transunion and XXXX. For XXXX  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me XXXX  change my score to within ten points of the other credit bureaus, reducing the score by XXXX points. Again no change to any account and XXXX  just reduced it. 

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by XXXX points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by XXXX points for the {$40.00} charge. 

I paid {$140.00} on the same credit card a few days later. My score did not change at all. 

I next paid off my car loan. My score dropped by XXXX to XXXX points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX man. My wife, who is white, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 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 states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX****-Balance {$2300.00} XXXX XXXX**-Balance {$4100.00} XXXX XXXXBalance {$3600.00} XXXX XXXX**-Balance {$0.00} XXXX***-Balance {$200.00} XXXXXXXX XXXX****-Balance {$820.00} XXXX XXXXBalance {$260.00} XXXXBalance {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$75.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We had our credit report pulled and noticed that Capital One posted a late payment on our record. We reached out to them to ask that the derogatory reporting of XX/XX/19 be removed from the credit file. The item was removed. We applied for a home loan and the credit file was clear on the initial report. Once we were in our final stages of closing our financial institution ran the report again and the derogatory reporting showed back up on the report, which caused us to be ineligible for our home loan. We currently have thousands of dollars tide up in a home loan and will lose the money if this is not corrected. We reached out to Capital One and they stated there was nothing they could do.
Product: Debt collection

I moved out of XXXX XXXX XXXX which was managed at the time by XXXX XXXX ( creditor ) at the end of XX/XX/XXXX. Around XX/XX/XXXX I started receiving calls from the collection agency regarding a debt which I knew nothing about. I requested documentation to verify the debt in which I was told I would need to contact the apartment complex. I did this and still never received this documentation. Out of fear that this would go on my credit report, I settled with the collection company but I was told at the time that if I settled, it would not be reported. Fast forward to now, I pull my credit report and this collection is on my report. I have called the collection agency and requested that this be removed from my credit report but I have been denied this request. Also, one male representative or manager in particular that I've spoken with twice has been extremely rude and actually called me a " liar ''. Honestly, this collection agency should not even be in business Their business practices are unethical and their employees are beyond rude which can be seen just by reading reviews on this agency via the web. I have also tried to contact the creditor in which I was told to email someone by the name of XXXX XXXX and XXXX XXXX but nothing happened and I did not receive a response.
Product: Debt collection

I have found accounts from National Commercial Services on my credit report that are in violation of the Fair Debt Collections and Fair Credit Reporting Act. I have filed a dispute with the creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX wrong address on file XXXX XXXX  XXXX XXXX XXXX data breach identity theft XXXX- XXXX data breach identity theft
Product: Vehicle loan or lease

I was at a place of business requesting parts for my car to be ordered. At that place of business the local police had towed my car and kept my car at a tow service lot. I will leave out the reasons for this moment. If any pending legal matters. I did not find out that my car was towed and brought to a tow service yard until 27 days after it had been towed. I had called the tow service and the man had refused to speak to me on the phone. He had stated that I had to go there with a photo ID. I tried explaining to him that I had lost my wallet and had no photo ID. I then call the financing bank that I had the car loan with. They tell me that they had repossessed my car after 20 days of being at the tow service lot. What boggles my mind is how did someone find out the financing bank. Also what boggles my mind even more is that I had this car loan on Automatic Payment drafted from my checking account one per month. I was not struggling with any payments. The monthly payment was only {$270.00} a month. So I do not understand why my car was repossessed at all. My automatic payment was always sent on the same day for the same amount. I also keep full covered auto insurance. They never gave me an answer
Product: Credit card or prepaid card

On XX/XX/XXXX, the annual fee of my Amex XXXX card posted. On XX/XX/XXXX, I was trying to cancel it, but the webpage and mobile chat were both down, so I could not, and I assumed the phone department would not work because of that. I waited a day to contact Amex to cancel the card. On XX/XX/XXXX, I was told even if I closed the card, they wouldn't refund the annual fee because I was 1 day too late, and it's my fault that I did not contact them a day earlier although their chat was down.
Product: Debt collection

I was turned down for a home mortgage because of a collection account reporting on my credit report for XXXX. This account should have never gone to collections as I paid the final bill in full. XXXX billed my account for another month which is what caused the unnecessary balance that I was forced to pay. The collection agency lied to me on a recorded line stating that this account would be deleted from my credit report. I am requesting that the recorded line be listed to by a supervisor and hear what was promised to me. I feel like I was strong armed by thugs dealing with this company and their sneaky wordings to make you think your getting something that your not. This is not right for the way I was treated and it has affected my ability to close on my investment property. I am going to allow this company 30 days to send the request to delete this account from my credit report or I will be filing a lawsuit for damages on the profits they have caused me for this inaccurate credit reporting.
Product: Credit reporting or other personal consumer reports

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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

My credit report is stating that my Self account has been closed when I can still access my account today.
Product: Payday loan

Applied for a payday loan on the internet for {$350.00} ; they attempted to charge me 741.92 % interest making my total payments {$1200.00} ; upon research I have found that Green Trust Cash, LLC is not licensed to do business in Indiana. I had paid back {$350.00} by auto draft before I closed the account, and sent them a cease and desist letter.
Product: Credit reporting or other personal consumer reports

Between XXXX and XXXX there have been multiple hard inquiries on my credit report from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, etc. I did not request any new lines of credit and have placed freezes with all three credit agencies.
Product: Credit reporting or other personal consumer reports

XXXX. TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XX/XX/year> -- -> XXXX -- -> : {$1700.00}
Product: Debt collection

Credit Card Bank of America last XXXX number is : XXXX Amount : {$1300.00} Bank of America required the complaint. 

I try before but I dont know whats happening? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX
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. 

Account Name : 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  and list of Inquiries 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

I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/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 , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute of Inaccurate/Unverifiable Accounts Demand for Permanent Deletion To Whom It May Concern, I am writing to formally dispute the following inaccurate and/or unverifiable accounts listed on my credit report. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and recent legal actions involving Equifax and Experian further highlight their ongoing non-compliance with federal law. 

Disputed Accounts/Inquiries/Late Payments * XXXX - {$3200.00} * XXXX Account - {$6200.00} * XXXXXXXX XXXX Past Due Payment * XXXX  XXXX Past Due Payment * XXXXXXXX XXXX - Inq date XX/XX/XXXX XXXX XXXX XXXX - Inq date XX/XX/XXXX XXXX XXXXXXXX XXXX - Inq date XX/XX/XXXX XXXX XXXX XXXX - Inq date XX/XX/XXXX * XXXXXXXX XXXX - Inq date XX/XX/XXXX * XXXX XXXXXXXX - Inq date XX/XX/XXXX * XXXX XXXX  - Inq date XX/XX/XXXX * XXXX  - Inq date XX/XX/XXXX * XXXX XXXX - XXXX date XX/XX/XXXX According to 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) of the FCRA, if the disputed information can not be verified within five ( 5 ) days when the information is clearly inaccurate or incomplete, you are required to immediately delete it from my credit file. Additionally, as mandated by 15 U.S. Code 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy, and failure to do so results in legal liability.

Furthermore, under 15 U.S. Code 1681s-2 ( b ), data furnishers are required to conduct a proper reinvestigation. If they can not verify the accuracy of the reported information, it must be permanently removed. Failure to comply with these laws constitutes willful noncompliance, making you liable for statutory damages under 15 U.S. Code 1681n.

Given the recent lawsuits against Equifax and Experian, I demand immediate compliance with federal law. If the disputed accounts can not be fully verified with original signed contracts within five ( 5 ) days, they must be permanently deleted from my credit file. Any failure to comply will leave me no choice but to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action under the FCRA.

Please provide written confirmation that these accounts have been removed. You may send your response to my mailing address above or via email at [ Your Email ].

This letter serves as formal notice under the FCRA. Failure to comply within the required timeframe will result in further legal action. 

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

Consumer Reporting AgencieXXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters disputing unauthorized inquiries on my report for several months. the claimed they have not received my letters with documents they requested but i had sent it certified along with a signature card that means someone from there business signed for it. the refused to delete the inquires.