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

I received a letter in the mail XX/XX/XXXX or XXXX about my information being compromised by evolve bank, XXXX, XXXX XXXX and Equifax and I was also for 10 years with all three credit bureaus I always been denied credit and was told its my credit score when by law thats consumer fraud .it is also XXXX discrimination played in some of these credit bureaus and Im a XXXX to this USA nation by law you are not supposed to be denied credit when its being pulled out or your social security number which according to common law in the USA its considered as a credit card and theres no reason why these companies are selling or trusting random people with mine and other people information. I have a credit freeze on the accounts and contacted the credit bureaus and told them my information was compromised in a data breach and I had to dispute the information online and on the phone to still have some false information added to my account that Im being told I have pay when by law I dont owe anything and once my information was compromised Im supposed to have my information removed and clears from the damage from the data breach.in this situation I deserve justice and respect and compensation due to this unjust situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX , XXXX . 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XX/XX/2022 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

XX/XX/XXXX XXXX & XXXX BLOCK/METABANK/EFS Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX ACCEPTANCE Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX CREDIT ACCEPTANCE Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 1. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse and I received our discharge from our Chapter XXXX Bankruptcy on XX/XX/XXXX. At the time of our filing, we were staying in an apartment, which was included in our bankruptcy. We were evicted and ended up in a homeless shelter. Fortunately, we were able to enter into a program that would help us stabilize our housing situation and the management company of our new apartment was aware of our bankruptcy. In XX/XX/XXXX, we attempted to move away from our current housing situation because our kids are getting older and need separate sleeping spaces. We applied for a new apartment, totally unaware that On-Site 's rental report included the debt from the apartments from which we were evicted and was included in our bankruptcy. My spouse went to XXXX County in XX/XX/XXXX with our bankruptcy paperwork and received something called an " Abstract of Judgement, '' which states that we were in fact cleared via the bankruptcy and no longer owe any monies to the apartment that we were evicted from. The rental report came back denied, I spoke with someone from On-Site ( XX/XX/XXXX ) and explained this to them, they told me that they never heard of such a document as an " Abstract of Judgement '' and where did the form originate. I let them know that the form originated from XXXX County Courthouse and that I was going to dispute their findings. After speaking with representatives a few times, they chose to communicate with me via email only. On-Site sent me a determination via email and would not return any more of my phone calls. Because many apartments use " On-Site ''  for rental reporting, my family is even more limited as to where we can live ... which is totally absurd and discriminatory. This information should not still be appearing on our rental history, especially since it was cleared via Chapter XXXX Bankruptcy and via the " Abstract of Judgement '' received by XXXX County.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recently investigated a bankruptcy that has appeared on my credit report for more then 5 years, having been provided a document from the original creditor that reported the item, as identified by Experian, XXXX XXXX third party provider. With that document in hand, Experian reported that they verified the item is mine, but in alternate, having been provided documents from the social security administration of the only provided name identification with my social security number, Experian decided on its own to add names to my file without factual verification. In addition due to the unsecurity of the credit reporting system of Experian during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019, Experian has allowed some person or entities to run my credit, access my credit, or gain access illegally without permissible purpose over 65 times, when addressed with Experian their tag line is with permissible purpose, but having been unable to provide a credit application signed to give such access. In fact having contacted each of the entity, no credit application of signature available, each indicated that such was performed by phone or by the internet, without identifying verification. Experian is operating a lying dispute process, and a credit reporting company that allows access, without verification of its vendors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I have been back and forth with XXXX  about unauthorized inquires being reported on my XXXX  credit report. I have written them 4 different letters requesting that they be removed to no avail. Since XX/XX/2020, I only recall authorizing 1 inquiry into my credit and that was from XXXX XXXX Visa in XX/XX/XXXX. The following inquires have been disputed as unauthorized several times and remain on my Transunion credit report : Suntrust DBA LightStream  XX/XX/20 XXXX  XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX   XX/XX/20 I do not recognize these inquires, the company associated with them, any firm offer of credit with them, or any account that I hold being associated with them.
Product: Checking or savings account

I have a plan with XXXX XXXX XXXX XXXX. This plan does not allow for automatic pay to be set up. Automatic pay mean money out my bank Account automatically every pay cycle. Some how one of XXXX XXXX XXXX employees manage to take money out my bank account which had to bargain by M & T bank. Therefore this was consider bank fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  Trafficking debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX  trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX trafficking.
Product: Debt collection

email : Thank you for using paypal for your new order purchase # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYPAL Due Date XXXX Invoice # XXXX  XXXX Thank you for using PayPal, Your account has been charged {$460.00} under auto-renewal and this charge will appear in your bank account in the next 24 hours. 
Paypal Customer Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX Payment Information XXXX rate {$42000.00} XXXX Paid on : XXXX XX/XX/2022 Price Paid : {$460.00}
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX {$2600.00} XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXXXXXX Balance {$2600.00} XXXXXXXX XXXX XXXX Balance {$4000.00} XXXXOLDNAVY XXXX Balance {$1000.00}
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agency XXXX on XX/XX/XXXX. Because your company is reporting a charge-off account on my credit report. With misleading and inaccurate information. Your company is violating my consumer rights under the Fair Credit Reporting Act section 623-Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C. 1681s-2 ). This account is reporting a past due amount of {$640.00} when in fact there should not be a past due balance reporting on a writen off credit card account. The account closed date does not match the payment rating on my XXXX credit report. And the payment history rating is missing for the month of XX/XX/XXXX when the account was first opened. These inaccurate items needs to be corrected, modified or deleted. ( Please See Attachments )
Product: Student loan

I am the cosigner of my son 's ( living with me ) private student loan provided by the XXXX XXXX of Maine ( State government agency ). During the pandemic, my son 's studies were ( and still ) interrupted due to him not being able to continue with his FAA check rides due to social distancing and being in a cockpit. Since " studies '' have not resumed for this duration, I am assuming perhaps this was the trigger to begin repayment. With student loan suspension, student loan forgiveness, and the fact my son 's studies have " suspended '' and not halted, the schedule of when student loan repayment obligations would begin was a mystery. No notice had been communicated to me or my son ( although FAME stated Firstmark claimed they did ), and I began to receive " cold call '' type inquiries from a company called " Firstmark Services ''. They would call, and announce it concerned " my '' student loan. Inquiring as to what they were concerned about ( at this point, I have no indication this is not a sales or phishing call ) that ask for my social and/or date of birth. I tell them that I am not about to divulge this information over the phone, especially since they can not provide one piece of information that validates they are talking about a " real '' subject they have a right to talk to me about. I have had no information that Firstmark is anybody we have ever dealt with or did I know that they were FAME 's servicer. Just as when I closed my refinance of my mortgage, I was deluged with calls claiming they need to talk to me about my mortgage. Cold calls to sell me on insurance, due to the fact of the public nature of my loan. These borderline fraudulent type calls appear common and accepted as of late. I told them multiple times to mail me, if they expect me to believe this is an official communication. One call they claimed it was my loan, and I did hang up since it is not and with the wrong name. I eventually received a " NOTICE OF RIGHT TO CURE '' letter.. one that contains strong language describing the urgency of the situation. I went to the FAME office to inquire, and they informed me at that time that Firstmark is their servicing company. My son did contact them, and attempted to establish automatic payments from his bank account. These " automatic payments '' rarely continue month to month, and I appear to receive my son 's billing notifications through my own personal email. They have failed incredibly bad on keeping payments, contact information, and credible notifications timely, organized and retained. I have no doubt, despite their severe negligence on keeping things straight, that they have made a mess of both my ( cosigner ) and my son 's credit report, and I have no trust they have their record keeping straight or accuate.
Product: Debt collection

The company is inaccurately reporting information on my credit report which is causing harm to my finances.
Product: Checking or savings account

A check was written through XXXX XX/XX/year> and was not received by client. 
I tried to stop payment only 10 days after check was issued- unable to. 
When called the customer service number- they claimed it was cashed. 

I then asked for copy of this check -- - they refused to send it. 
I then asked for stop payment again -- and the funds to be replaced. 
WELLS FARGO BANK REFUSED TO REPLACE MY FUNDS- AND TOLD ME THEY CLOSED THE CASE. 

I finally obtained this check 2 months later -- it has never been endorsed -- it is blank on the back. 

THE CHECK WAS NEVER ENDORSED THE CHECK WAS NEVER CASHED THE CHECK WAS CLEARED ANYWAY BY WELLS FARGO BANK THE FUNDS $ XXXX NEED TO REPLACED AND THIS BANK SHOULD BE REPRIMANDED. 


MY NEXT CALL IS TO INSPECTOR GENERAL
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX due to inaccurate information. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a new home, and has affected my attempt at a new car previously. Experian violates my rights as a consumer, as well as federal laws as noted in my second dispute attempt with them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically : Experian reports : XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payment in XX/XX/XXXX, matching XXXX 's reporting. 
These discrepancies have not been addressed in previous investigations. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

N accordance with the Fair Credit reporting Act of XXXX XXXX XXXX # 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. 

XXXX XXXX XXXX and XXXX
Product: Checking or savings account

I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account Is Be Deleted It Has Been Resold
Product: Money transfer, virtual currency, or money service

Hello Sir, I made a {$1700.00} transaction ( using Taptap Send App ) today XXXX XXXX at XXXXXXXX XXXX and its still pending. I would like my transaction be successful or my fund remitted back to my USD account ASAP. 

Transaction id XXXX Thank you
Product: Credit reporting, credit repair services, 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 confidentially 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 the 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 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

XXXX  XXXX XXXX Opened XXXX XXXX, 2017 no balance but showed i paid {$51.00} is reporting on my credit report and this account does not belong to me. I don't know who the company is. It is hurting my report.
Product: Credit reporting or other personal consumer reports

I'm unable to control my Equifax credit freeze via the web. When I try to login to my " my.equifax '' account with my user id " XXXX '' I always get a message that says : " Please give us a call We can't complete your request at this time. Please call the Customer Care team ''. I have attempted to correct this via phone as indicated but they always say they'll take care of it and nothing happens. This has been going on for well over a year now. 

Note that I've already submitted a complaint on this ( XXXX ) but it was closed. Company 's response indicated the problem has been corrected but I'm still seeing the same error when I attempt to login.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

XXXX XXXX XXXX XXXX # XXXX****