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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), A credit account opened at XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card account with XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), and a collection account with XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ) .These Accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose UCC 3-603 : TENDER OF PAYMENT : States that ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  XXXX XXXX in XX/XX/XXXX to reporting inaccurate information on my credit report -- - Account # XXXX showing late payments and inconsistencies in both my TRANSUNION and XXXX credit bureaus. 

I explain to XXXX  XXXX XXXX XXXX hereafter XXXX  ) that I never missed any payments with them from XXXX - XX/XX/XXXX and XX/XX/XXXX. I further explained that their online payment system was flawed and did NOT correctly process payments online. Each payment they are showing as " LATE '' was inaccurate and manually paid online or via direct deposit. However, XXXX still reported LATE PAYMENTS. Based on my history of payments, I was NEVER LATE until XXXX  updated their internal systems. 

Looking into my history with XXXX  XXXX XXXX since XXXX, the representative said that she can clearly see that the issue had to be internal because it was a consistent issue with the payment system... 

I was told by the XXXX Representative that ALL LATE PAYMENTS will be removed within 14 days due to system issues as a courtesy and in good faith. 

I'm filing a complaint because XXXX  XXXX XXXX were not honest in delivering it's promise to remove the LATE PAYMENTS in good faith. In contrary, XXXX  XXXX XXXX deliberately falsified it's responses to CFPB. Please see attached documentations which proves that they never VERIFIED nor UPDATED my credit report as they claimed in Complaint # XXXX. 

Furthermore, XXXX  XXXX XXXX violated my consumer rights under the FCRA and NEVER sent me any documentations showing late payment notices. They have also violated my consumer rights under the FCRA, 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to rectify this situation, the fraudulent accounts continue to plague my creditworthiness and financial stability. However, it seems that my efforts have fallen on deaf ears, as these fraudulent accounts remain uncorrected. 
XXXX XXXX XXXX XXXXXXXX The continued presence of these fraudulent accounts on my credit report is nothing short of an outrage. They have inflicted severe damage on my financial reputation, making it virtually impossible for me to secure credit, obtain reasonable interest rates, and work toward my financial goals. It is beyond comprehension that your agency has failed to take swift and effective action to rectify this situation. 
Your agency 's failure to address this issue effectively is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers.
Product: Debt collection

I checked my credit report and found Renton Collection agency on there with XXXX charges totaling {$200.00}. I called to attempt to get an itemized bill of what was owed so I could mail a check. I spoke with a man there who informed me that I owed {$200.00} more for other debts that he refused to disclose. I told the representative that I would pay what was owed but I needed an itemized list of the creditors and amounts for my records. He refused to send any information and proceeded to tell me that he knew where I worked and he was going to call the office and ask to speak to my manager so he could tell them about my collections, which are all medical in nature. He demanded payment immediately or he would send more to my credit report.
Product: Credit card or prepaid card

Dates of fraudulent transactions were for XXXX from XXXX stores in New Jersey made XX/XX/XXXX and XX/XX/XXXX. 
Their was a withdrawal back in XX/XX/XXXX and the following day for another XXXX dollars and the bank is refusing to refund me for the fraudulent transactions. 
This is with Bank of America
Product: Debt collection

I broke a lease with XXXX XXXX at XXXX XXXX XXXX a few months before the end of my lease. I was never notified of additional balance due after I vacated the apartment even though I did provide forwarding information. I figured that they used deposit to cover it and were able to rent my apartment immediately. The first time I learned about a balance due was when it appeared on my credit report. Had I been given notice I would have been able to make payment arrangements. However, the balance due on this collection account that was illegally placed on my credit report with no notice is preventing me from being able to obtain housing.
Product: Credit reporting

I had the same problem last year getting my annual credit report from Experian. I never had this problem with XXXX or XXXX. In the process of printing out my credit report, it was interrupted by an " Error Report, XXXX '', message and I could n't get back on the Experian site. Attempts to contact them were ignored. I think this is a disgrace!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Mortgage

I was in a XXXX XXXX and my case was dismissed .My family was affected by XXXX XXXX, I lost my job. I requested forbearance was ignored. I requested loan modification. All applications were marked received but the company would never comply with my request for my FHA loan. I even got an approval letter had it notarized and sent back for processing and was told my application was denied because a middle initial was left off a signature page. We quickly redid the entire application paid the notary fee again and the mortgage company replied a week later saying they received an email from my former attorney that said we wanted to cancel our request. The lender would not supply a copy of the letter/correspondence and said there were no relationship managers available to assist me for 30 days. With a day of this phone call I began receiving a letter per day, one application, two rights and responsibilities, 3 statement, 4 preforeclosure letter. No one will return my call or work with me on my FHA loan. I even sent the full amount of 5 months and my payment was returned. I also saw my final bankruptcy payment is listed on my statement and said unapplied. This loan servicer is not willing to comply or accept any terms established to help save homes.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing you to inform you that you are reporting transactions that does not include my consumer report.

*XXXX XXXX XXXX XXXX In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress 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.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

Chase closed my account because I file complaint through XXXX XXXX against chase they have no reason to close my account when I spoke with claims they said I should not have file complaint against them she said I have unusual activity on my account XXXX
Product: Credit reporting

I need to file a complaint on behalf of Equifax. I asked them about 2 months two months ago to investigate a account by the name of XXXX I Never got any results or feed back on this fraudulent account I would Like for Equifax to delete this info since it has been well over 30 days.. And I never got response or a updated credit report with an update this is a violation of the FCRA
Product: Checking or savings account

I had a payment for services deposited with PayPal on XX/XX/2021 for {$250.00}. The funds were held until XX/XX/2021 when they sent an internal message that the account was closed for violation of the user agreement. They said also that I wouldn't get my money for another 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently viewed my credit report and seen multiple unauthorized inquiries on there.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the unauthorized inquiries that continue to appear on my credit report. Despite my earlier attempts to address this issue, these inquiries remain and are negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a report from ChexSystems and they have reported information that should not be on there since the account ( XXXXXXXX XXXX was paid in full ).
Product: Debt collection

I paid my cellular phone bill to XXXX XXXX XXXX for {$100.00} in 2021. I explained to the debt collector that XXXX XXXX XXXX would not unlock my phone number until the bill was paid in complete. I paid the debt and made the switch to another cell phone provider ( XXXX ). California law states that a user can not change cell phone providers without the former provider being paid in full. My phone was unlocked and XXXX reconnected with the same cell number ( XXXX ) XXXX.
Product: Credit reporting

I was in a settlement agreement on a retail credit card with an attorney based debt collection agency nearly three years ago. We agreed upon a settlement amount. I paid the said amount in full in XXXX of 2013. It was agreed upon that the agency would report this information to the credit bureaus accordingly ; they did not. The information is still being reported negatively to credit agencies. This collection agency is very aggressive and quick to file suits against consumers. They should be sanctioned for this action. I understand this is the risk for bad financial decisions, but if you honor your debt, you should not continue to be punished for it.
Product: Student loan

I am trying to reach them to discuss my loans because the balance doesnt make sense. I also submitted a three month forbearance. I have called, requested call backs, waited on hold for hours, sent them messages, chat bots, etc, no return messages at all. I have never spoke to someone and idk what to do about my loan payment. I have worked on my credit score for 6 years and now I might end up with a late payment because they wont respond to me
Product: Credit reporting

As stated in full detail with my   XXXX   Complaint (  XXXX  ), I am requesting that Equifax do the same, remove all Negative Information that was submitted by  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX    XXXX  in  XXXX   XXXX .  XXXX  who claim they are collecting for  XXXX   XXXX   XXXX  ( closed ) located in  XXXX  Illinois and   XXXX     XXXX     XXXX  that 's closed also. The phone numbers that 's listed on my Credit Report :  XXXX   ( 24 hr. Tape Recorder  only  )  and  XXXX  is disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

5/3 BANK NA XXXX Date Opened XX/XX/2019 Balance {$400.00} Isnt your agency supposed to report only the accurate information? There are three different dates of the last activity reporting. Isnt the date of the last activity supposed to be the same in each bureau? How can you immediately report this account 90 days late when theres no late payment before that?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three unauthorized credit inquiries on my Equifax credit report. One unauthorized inquiry is from XXXX dated XXXX/XXXX/XXXX. The other two inquiries are from XXXX. One inquiry is dated XXXX/XXXX/XXXX and the other is dated XXXX/XXXX/XXXX. I did not request theses credit inquiries from these two online/mail order clothing companies.I already have credit cards with XXXX and XXXX. I also contacted XXXX and XXXX and spoke to customer service representatives and they stated that they have no records of the credit inquiries that are on my Equifax credit report. I do not know why theses hard inquiries are appearing on my Equifax credit report when I did not request theses hard inquiries. I did not ask for credit card increases neither because XXXX and XXXX periodically give credit card increases. I want theses three credit inquiries removed from my Equifax credit report. Equifax has not removed theses three credit inquiries after I dispute this with them two times.