23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A has violated my rights. 

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

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.

I am requesting this information be removed from my consumer reports immediately.
Product: Credit reporting or other personal consumer reports

This company is providing fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also documents so I may review to see if this is actually an account that belongs to me.
Product: Mortgage

We are a military family. We took all steps necessary starting in XXXX to avoid foreclosure and bankruptcy. With no other option, we filed Ch. XXXX bankruptcy in XXXX to release us from the house. The house was discharged in XXXX but we are still receiving bills and attorney letters for collections from the HOA. We are told because the deed is still in our name we are responsible for XXXX, etc. The mortgage company will not cooperate with a Deed in Lieu. The mortgage company is forcing us to comply with their short-sale terms of listing the home for 120 days before considering a Deed in Lieu. I have spent hours on the phone since XXXX XXXX talking with various representatives because they ca n't keep XXXX person assigned to my case. The mortgage company changed the locks without informing us. When we hired a real estate agent she could n't get into the home to even proceed with a short sale. We had to wait 2 weeks before the bank would put a lock box on the property so the agent could get in. I want justice for the way I have been given the run-around by the mortgage company and the countless hours I have been on the phone whether on hold, transferred, etc. There is no way I could hold a job and deal with the mortgage company as much time as I have had to spend playing their games! They should be paying me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked update dreary on transunion and information still appears of which all have passed the legal time to appear on the report ( NYS fair credit reporting act )
Product: Credit card

Date of the transaction XX/XX/year> Amount paid to XXXX XXXX  was XXXX for cancellation fees in order to receive XXXX ( flights purchased on XX/XX/year> ). Business committed to provide a refund of XXXX after I paid cancellation fees. The refund was never received so I have lost the cost of product XXXX and XXXX for cancellation fees which is a total of XXXX The business seemed to have blocked my calls and ignore my emails. XXXX  number XXXX. I called Discover multiple times to let me them know that I did not receive the refund. I provided bank statements to Discover but they said they would investigate but did nothing on my behalf. Let me know if you need the bank statements to prove that I did not receive the funds. I have been fighting for my refund for almost a year. I filed a XXXX  complaint, and the company did not respond to the fraudulent charges. Discover failed to protect me against this fraudulent charge and I refuse to use their credit card ever again.
Product: Debt collection

An automobile was financed with Lexus Financial for over $ XXXX during a time that I was in a XXXX XXXX situation. I signed for a car loan for my husband under fear that If I said no I would have consequences. My husband failed to get full coverage insurance and only signed up for liability insurance and was in an accident where the other driver had no insurance. Bring that the car was totaled he did not pay the loan at all. Now I am stuck with this loan on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Discover Bank has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end as late for any purpose. 


The account is reflecting a late payment in XXXX of XXXX.
Product: Credit card or prepaid card

Milestone Mastercard offered me a credit card. I am currently trying to improve my credit score history, so I was concerned that if I was to apply for this card whether it would show up as a hard inquiry on my credit scoreboard. The company ensured me that it would not. However, I just looked at my credit scoreboard and saw that it is listed as a hard inquiry. I have tried to reach out to the company but I have not been able to get any response. Milestone needs to be ashamed of themselves for misleading their potential customers this way. I want that mark taken off my credit score as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute-Hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries.

Called XXXX- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands XXXX cards, but no hard inquiries done- CS rep agreed/confirmed no hard pulls are done when being added as an AU to husbands XXXX cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 XXXX hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding Experians assistance w/ this issue- I told her Experain was 1st called- no help- Experian stated that they couldn't do anything-I had/needed to call creditors. Therefore XXXX was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The XXXX XXXX customer service was super sweet and my complaint is not against her. I hate to make a complaint about XXXX XXXX, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, XXXX and XXXX XXXX : acc : XXXX XXXX XXXX acc # : XXXX acc : XXXX XXXX XXXX XXXX acc # : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I dont believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : acc : XXXX XXXX XXXX acc # : XXXX acc : XXXX XXXX XXXX XXXX  acc # : XXXX After doing so please provide me with an updated credit report reflecting the changes. 


Thank you for your time, 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 Account # XXXX, Account # XXXX, Account # XXXX, DPED XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a nation data breach. After reviewing my credit reports I noticed some accoiunts I am not familiar with. I have ask the CRA 's for validation of debt, however the imformation has not been provided Due to my information being exposed, I have summited a FTC complaint reporting the information Iam not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter
Product: Debt collection

I don't know where this debt came from. I've asked repeatedly for validation of this debt. What they send me are bills that do not match any of my personal information except my name. Please investigate and remove this account from my credit reports. I am sick with XXXX and can not continue to go round and round with this company. Please help me.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loans attached to my account. My name is XXXX XXXX XXXX and there is a name attached to my account of someone with the name XXXX XXXX XXXX which is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquires on my credit reports.
Product: Credit card

BMO closed my credit card due to inactivity. Closure occured in XX/XX/XXXX. 

Later I received a cash back statement stating I owe {$1.00} from a transaction made in XX/XX/XXXX. I believe this is cashback adjustment due to a return? from XXXX. I called BMO to let them know the 4 year mark to collect this debt passed and their customer service waived the {$1.00}. But then BMO called me back and stated they would not be honoring the waiver and I would have to make this payment. I again reminded them of the stance California takes on this issue. More info on this can be found here. 

https XXXX XXXX I will pay this {$1.00} to avoid any impacts to my credit history or score but I am doing so under the threat of this affecting my credit even when BMO is past the date to collect the debt. I am 100 % sure BMO will refer this to collections and affect my credit score and history ( which is spotless ) even when they have to business or any right left to do so.
Product: Debt collection

I have been paying capital one my payments are getting reversed and the money is not going back into my bank account
Product: Checking or savings account

bofa stated '' Based on the above information, we found no bank error or wrongdoing in the handling of your accounts, and respectfully declined the request to reopen the account. " then what is the issue with opening a account?
Product: Debt collection

I logged into my XXXX account and AWA Collections has flagged my account to attempt to collect {$200.00}. Letter below will be sent to them. 


AWA Collections XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : Be advised I am disputing this debt and collection. There was no signed financial responsibility form ever completed with XXXX XXXX XXXX. I would like to see documentation showing treatment rendered and my signature agreeing to charges and the charges listed. No statements/bills or attempts by the provider has ever been received. My insurance covered what was needed and that was agreed upon at time of service. 

Also, this is a HIPAA violation, and I will be reporting XXXX XXXX XXXX to the XXXX XXXX as I have a right to protect my privacy and medical and dental records from third parties. I do not recall giving any permission to XXXX XXXX XXXX for them to release my dental records to a third party. I am aware that HIPAA does allow for limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofold Validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and dental charges.

Provide a copy of my signature with the provider of service to release my dental information to you. 
Cease any credit bureau reporting until debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the Fair Debt Collection Practices Act ( FDCPA ). Please note that withholding the information you received from any medical and dental provider is an attempt to be HIPAA Compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware of my dispute with this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX  XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Contacted Chase Credit Card customer service regarding a flight booking ( Travel date was XX/XX/XXXX ) that was canceled during XXXX XXXX wave. I booked the flight through Chase Travel booking website. They provided travel credits on XX/XX/XXXX for the same airline which I couldn't use because of travel restriction by US. I called Chase for a refund, and they asked me to contact the airlines ( XXXX XXXX ) directly. I contacted XXXX multiple times, there was more than 2 hours wait time. Finally when I got connected with XXXX customer service, they mentioned that Chase can lookup airline cancelation policy at XXXX XXXX XXXX and that I am eligible for a full refund. I called Chase again with this information. The customer service then provided me an option of partial refund. I didn't understand why. So I insisted them to check with XXXX for a full refund ( XX/XX/XXXX ). It has been two months after this.

In the email Chase sent me, they had mentioned they will contact me after 5 business days. Each time I contacted them instead when there was no response or update from Chase for weeks. 
I contacted Chase again later ( XX/XX/XXXX ). They mentioned they need a " waiver code '' from XXXX. This time I was connected to a customer service manager and she tried to contact XXXX over phone while I was on hold. The resolution was still the same. They said they will contact XXXX through email and will update me when they reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft due to a data breach. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several fraudulent accounts all of which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I have place my dispute in with all the consumer reporting agencies via mail, yet to no avail.
Product: Debt collection

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Product: Checking or savings account

I am XXXX XXXX XXXX XXXX of XXXX OF XXXX XXXX XXXX XXXX number XXXX. Our XXXX XXXX  XXXX XXXX XXXX non-profit XXXX have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds, and a hold on the Us bank account since XX/XX/2022 with out any authorization from the XXXX XXXX XXXXXXXX XXXX XXXX 's Board of Directors. Us bank 's unfair action, violate, the XXXX XXXX XXXX Business Practice Act protection laws, XXXX Deceptive Trade Practice Act protection laws, and the California Unfair Competitive Act Protection laws by holding XXXX XXXX XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX growth, and expansion in the United States Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( 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 corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX