23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 well over 30 days and you are in VIOLATION of this law because I am the 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! 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct, I sent a letter to XXXX on XX/XX/2023. But it has been more than 35 days since the credit bureau has responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject of subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained XXXX  consumers 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 ( XXXX ), before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and they said they would only run my credit once and they shopped it to multiple agencies. 

I also think i'm a victim of identity theft as i do not recognize these accounts listed in the FTC report that i have attached below. 

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit reporting agencies are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit reporting agencies written permission to furnish these accounts
Product: Debt collection

I have a thing on my credit that is in collections for the amount of {$690.00} which I am unsure whether this debt is mine as its from XXXX  and I tried calling a company called Portfolio Recovery to request a validation letter on XXXX XXXX and they never sent one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report and found several items that were not authorized by me and asked Equifax to remove. I sent 2 letters and both came back saying I was not the person I said I was. I sent in verification ( driver 's license, SSN, bank statement ) that XXXX continue to not look into my complaint. 

Below is the item I would like removed from my credit file. 

XX/XX/202XXXX XXXX Was not authorized and need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous month, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to delete your errors and remove my records. Please take off the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX - Account No. XXXX Dear [ Recipient 's Name ], I hope this letter finds you well. I am writing to formally dispute the accuracy of an item on my credit report, which has been reported by XXXX XXXX XXXX. The information pertains to an account with the original creditor XXXX XXXX, with the account number XXXX. The details of the disputed item are as follows : Balance : {$400.00} Balance Updated : XX/XX/2023 Original Balance : {$400.00} Date Opened : XX/XX/2023 Account Type : Collection Account Status : Collection account. {$400.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 I firmly believe that there are violations of consumer protection laws and the Metro 2 Reporting Guidelines in the reporting of this account, and I am writing to formally request an investigation into this matter. The inaccuracies and violations I have identified are as follows : Lack of Verification and Validation : According to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the debt and verify its accuracy. I have not received proper validation and verification from XXXX XXXX XXXX regarding the debt in question. 

Inaccurate Reporting : The account is being reported as " Collection account. {$400.00} past due as of XX/XX/2023. '' This statement is misleading and inaccurate, as the debt has been fully paid off and has a balance of {$0.00}. The reporting is in direct violation of FCRA, which mandates accurate and up-to-date reporting of consumer accounts. 

Metro 2 Violation : The Metro 2 Reporting Guidelines are designed to ensure accurate and consistent credit reporting. The reported information is not reflective of the true status of the account and is therefore in violation of these guidelines. 

These inaccuracies and violations have a significant negative impact on my credit history and financial well-being. I kindly request that you conduct a thorough investigation into this matter in accordance with the FCRA and other applicable consumer protection laws. During the investigation process, I ask that you take the following actions : XXXX XXXX XXXX XXXX and request that they provide documented evidence of the debt, including verification and validation of its accuracy. 
Verify that the reported account information is compliant with the Metro 2 Reporting Guidelines.

Update my credit report to reflect the accurate and correct information regarding the status of the account in question. 
I am providing copies of relevant documentation, including payment records and correspondence with XXXX XXXX XXXX, to support my dispute. I trust that you will promptly address this issue and provide a resolution in accordance with the law. 

I would also like to bring to your attention the specific consumer protection laws and guidelines that pertain to this dispute : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Metro 2 Reporting Guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a dispute with all 3 bureaus, XXXX was in compliance and removed the account, however its been over 30 days and I have not been contacted by Equifax or XXXX
Product: Debt collection

A Family member stole my identity and used there medical condition to create a utility bill under my name with out my knowledge i was not a resident at the time either and i got a phone call XXXX of 2018 saying i owed XXXX i disputed it but i also no longer live in the state of said incident and want the debt removed cause it was never approved by me, The Electric company is Until Based in XXXX mass, The person whom stole my identity is XXXX XXXX XXXX my father
Product: Checking or savings account

Ally Financial is discriminating against me by denying me credit and an opportunity to open up a checking account online. Ally Financial is also discriminating against me because of my race, me being XXXX American ( XXXX ). Ally Financial is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB :XX/XX/XXXX, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus XXXX, XXXX and transunion have yet to remove these files from My credit report and update my credit report promptly. IT has been XXXX  months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


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
Product: Credit reporting or other personal consumer reports

I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the XXXX major credit bureaus in regards to the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report. With the amount of hard inquiries I have on my Experian and XXXX credit report. Its quite evident and clear all of the hard inquiries are unauthorized and fraudulent hard inquiries. The following hard inquiries currently listed and showing on my Experian and XXXX credit report are fraudulent, unauthorized and not my hard inquiries : XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to get my credit report in the past from all 3 bureaus as recently as XXXX XXXX from Experian and XXXX  XX/XX/XXXX credit Report conf # XXXX XXXX. But now I can not get it from XXXX or Experian. XXXX  states, The system was unable to get enough information to confirms your identity through a series of questions based on accounts and personal information even though in the past I have gotten my credit report through all 3 bureaus from a series of questions asked in the past but suddenly I have not built up a credit history enough to ask me a series of questions to get my report online. BULL. These organization take my credit data and sells it everywhere but when I want to see it myself they put up all these roadblocks and excuses. 
What is going to happen is unacceptable. You the CFPB is going to send XXXX  and XXXX my complain and in return they may or may not send me my report, but either way this is unacceptable because I want to have to save my report online when I want it and not have to complain to you the CFPB as my intermediary to force the credit bureaus to give me my report. Secondly, all 3 bureaus will send me the report and I will not be able to monitor my credit every 4 months as I only need one report at a time. 
I also would like to sign up with XXXX XXXX XXXX credit monitoring and with this problem persisting I am not able to do it. 
Tell these bureaus to get their act together and stop yanking the consumers chains. Thank you.
Product: Credit reporting or other personal consumer reports

The balance and dates of payment are reporting incorrectly.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX and XXXX ( XXXX of information to credit agencies ) are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish Negative information that is effecting my personal mode of living, and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. Equifax, XXXX and XXXX ( XXXX of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' Any Negative account reporting are adverse items that are reporting again without my permission which is against the law. Per their Privacy Policy Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) also states that I the Consumer have the Right to Opt-out and Correct my credit File. 

As a Federally Protected Consumer Equifax, XXXX, and XXXX ( Furnisher of information to credit agencies ) Reporting is Effecting my Personal Mode of living which you said you would not do Per your Privacy Policy Statement. Please correct this at the recipe of this complaint.
Product: Mortgage

I called the company and they claim they no longer service my mortgage. This mortgage has been transferred more times than I remember, often to the same company, but they claim they are different companies. They latest phone number says my mortgage was transferred but I have no record of it.
Product: Credit reporting

Equifax deleted all my accounts, and my credit history dropping my credit score for XXXX points. Almost all of tha accounts deleted from my record are still open and in use. They have not provided even a current copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, You are unlawfully using malpractices for extortionate means to torture me compelling a payment through extension of credit by furnishing libel data on my consumer report without my lawful consent nor from an authority of law or a express permission of a competent judicial court. You are knowingly acting as an supersede against the law disregarding the injunction issued by me notwithstanding mentioned the past 3 complaints through the CFPB. I repudiate the piracy and deceptive proof of evidence I received from your company until you provide me with valid legal documents of your clients arbitral contract not excluding with such your lawful method of verification of the documents as requested. PLEASE BE ADVISED your disregard acting as a force majeure against the Gramm-Leach-Blilley Act using extortionate means is inevitable of an conviction fined or liability of 20 years in prison ( Rico Act ) pursuant to 18 USC 891. Furthermore, XXXX XXXX ( XXXX ) of PDM company and XXXX XXXX XXXX XXXX for which your signatures on numerous documents proves your the culprit of these negligence documents pertaining my personal identification. Your retaliatory behavior will not be shown any mercy of the federal law! These previous exhibits of documents are valid proof of your fraudulent and extortionate means to unlawfully invade my privacy and force payment for this imaginary debt you can not legally prove!!
Product: Credit reporting or other personal consumer reports

There are several errors on my XXXX and TransUnion credit reports. on my XXXX 1 ) XXXX XXXX acct # XXXX, 2 ) XXXX XXXX XXXX XXXX acct # XXXX * XXXX. TransUnion 1 ) XXXX XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 1 ) XXXX XXXX XXXX XX/XX/XXXX XXXX 2 ) XXXXXXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX  XXXX ( Bank ) XXXX 5 ) XXXX XXXX ( Bank ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen from XXXX due to their poor network security. They are unable to show in a meaningful way, and indeed do not seem to know per reports thait their website generates random responses when SSNs are entered to check if data was compromised, who was affected. Instead, they are attempting to offer " free '' credit monitoring services that I do not need and are likely just an attempt to bait-and-switch consumers into continuing onto a paid monitoring plan at the end of the one-year period. Their sloppiness in allowing my data to be stolen, which is fundamentally the result of lack of government oversight, has made me spend time placing alerts on my file, and now I will have to continuously monitor my credit reports.
Product: Credit reporting or other personal consumer reports

The late payment reported by XXXX XXXX XXXX XXXX for XXXX XXXX is inaccurate, as it resulted from a billing error in violation of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. The creditor provided incorrect billing information, which led to the payment delay.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute 's, particularly in light of the recent CFPB lawsuit highlighting significant issues the platform. Despite using Zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB, s findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

They continue to constantly robo-call all hours of the day and night
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), a consumer report is considered a medium of communication and is thus subject to cease and desist requirements. There is a standing cease and desist order with Capital One, and no updated information should be reported on this closed, charged-off account. It is to be deleted from my report. 15 USC 1681b permissible purpose. No written instructions have been provided by consumer. Per 18 USC 1028A, XXXX, XXXX and Capital One are committing Aggravated Identity Theft against consumer. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. XXXX has 15 days to investigate and remove this account. Please be advised that if you send me a computer generated letter, stating that you have ceased investigation of my credit reports because in your opinion, you believe I have used a third-party credit repair agency, you will be in blatant violation of the FCRA. This stall tactic on your part to grant you an additional 30 days to comply with my original request, will result in a lawsuit with your company. This is your only warning. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over XXXX unauthorized inquires for credit cards, bank accounts and auto loans with someone unknown to me using my name to try and obtain lines of credit. I need help removing these many many credit inquiries off my credit file. 
XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ALL BANKS NON SPECIFIC-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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, OH 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 DE XXXX
Product: Credit reporting or other personal consumer reports

Please see attached. Experian continues to decrease the credit score with baseless information. Experian fails to investigate XXXX and XXXX. I demanded 1099-C 's and Experian ignores the demand and decreases the score. Please follow the money. Why does Experian refuse to address the issues?
Product: Student loan

I am submitting this dispute in reference to a call that I made onXX/XX/XXXX. I do not know the exact amount because I have not had any contact with the company involved, FEDLOAN Servicing for about three or four months. They have a delinquent report from XX/XX/XXXX that is really negatively impacting my credit score and preventing me from buying a house. I have been working with them for several months on my loans and they were aware that because of some medical issues that I was unable to work or pay my loans back. They had been putting me on deferment fot the last probably 12 to 15 months to allow me to recover and go back to work. I have been trying to buy a house and in that process I found out that this had been reported delinquent in XXXX. I called them on Monday, XX/XX/XXXXand they said I had been under deferment since XXXX and XXXX which they said covered that and it should not have been reported delinquent. Also, according to the representative I spoke with it showed where I reach out to them in XXXX to check on why they were not contacting me or mailing me anything. I, also, was checking on my deferment Staub and they updated it and said they would remove the delinquent report from XXXX, but, it is still reporting even though I am on deferment and the companies representatives told me it would be removed because it was covered under my deferment.