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

XXXX. XXXX is in violation of this XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. The law specifically states ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I HAVE NOT RECEIVED ANY DOCUMENT/CONTRACT CERTIFIED MAIL WITHIN XXXX DAYS OF REINVESTIGATION BEARING MY SIGNATURE THAT I CONSENTED TO OWEING FOR AN ACCOUNT FOR XXXX XXXX  WHICH MAKES THIS ACCOUNT BEING REPORTED INACCURATELY ON MY CREDIT REPORT. IF THIS ACCOUNT IS NOT ACCURATELY UPDATED IN THIS REINVESTIGATION I WILL BE FILING A COMPLAINT WITH THE FTC AND ATTORNEY GENERAL FOR DIRECT VIOLATION OF THE FCRA. YOUR NEGLIGENCE TO PROPERLY UPDATE INACCURATE INFORMATION ON MY CREDIT REPORT COULD RESULT INTO CRIMINAL CHARGES FOR IDENTITY FRAUD FOR FALSELY REPORTING ACCOUNTS THAT NOT HAVE BEEN VERIFIED ON MY CREDIT REPORTS. PLEASE PROVIDE THE NAMES, ADDRESSES, AND TELEPHONE NUMBERS OF EACH PERSON YOU CONTACTED REGARDING THIS DEBT IS VERIFIED. ANY AUTOMATED RESPONSE OR XXXX XXXXXXXX XXXX XXXX UNACCEPTABLE. I AM REQUSTING A REINVESTIGATION AND YOUR METHOD OF VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance XXXX {$1200.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit Inquiries were made on my behalf without my permission. Ive submitted this information to all card companies. There are multiple inquiries from the same companies. Companies are XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing my credit per the FCRA. I have submitted the correct paperwork showing I am a victim of identity theft. The paperwork is not being attached to my disputes and not being processed correctly per the FCRA. Also I have been asking for copies of the verification process and not getting anything. 

This is the account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.
Product: Payday loan, title loan, personal loan, or advance loan

I think i was unlawfully charges interest rates and charge offs with Omni financial. 

The charged me XXXX, XXXX, XXXX prepaid finance charge that and it seems confusing reading about my loan and the repayment I was violated under the MLA and SCRA due to me being the XXXX  and the unlawfully charging me and pulling from my account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my credit report.
Product: Credit card or prepaid card

i have requested a balance transfer from my XXXX XXXX to Barclays for {$3000.00} on XXXX and the amount of {$3000.00} was posted to my account on XX/XX/XXXX, Barclays did not process and sent the check to XXXX until XX/XX/XXXX that almost resulted for non-payment as the due date of my credit card with XXXX is XX/XX/XXXX. Balance transfer normally takes 7 to 10 days but for some reason this account has been targeted.by Barclays. 

This is unacceptable and i would like your agency to open an inquiry.
Product: Credit reporting or other personal consumer reports

l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX account number ending in XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting CLOSED and it is OPEN. Thank you in advance!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items 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  {$4700.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/ASHLEYHOMESTORE, # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I would always receive several overdraft fees always on the day of my direct deposit. Ive had stolen cards and never got reimbursed for unauthorized purchases
Product: Checking or savings account

Today XX/XX/2021 at Approximately XXXX I called my banking institution US BANK Regarding my XXXX dispute for an authorized debit of {$1100.00} ; which XXXX manager miss XXXX XXXX fraudulently went behind my back to take out, while I have made weekly payments. Instead of my banking institution permanently reversing the action. I was told by manager XXXX that letters were sent out to me for additional information. Information that was already provided upon filing my claim with US Bank. I am so happy that all calls are recorded for quality purposes. 
I was told because I gave XXXX my card number for the transaction amount of {$200.00} as well as other amounts. That they charge my card for an unauthorized amount of {$1100.00} isnt fraudulent. 
I then asked Miss XXXX a supervisor for US Bank, If it is OK to authorize a transaction for one agreed amount, then the merchant takes it upon themselves to authorize a second amount, which was not communicated prior to said in authorize transaction? 
Miss XXXX was preparing to hang the phone up on me, instead of answer my question.
Product: Debt collection

When the vehicle was repossessed and then sold at an auction. I was not given any information as to where or when the auction was taking place nor given any written letter giving me a chance to redeem the vehicle. Once vehicle was sold they tried to still report the whole amount owed on the vehicle u set my credit report vs updating the amount left after the vehicle was sold. I have requested multiple times including filed a legal notarized FCRA dispute forms to all 3 credit bureaus to provide all the original documents proving they have followed the legal steps after the vehicle was repossessed and have not wrongfully reported incorrect information but have not received anything in over 60 days as the documents I sent gave a 30 day notice to do so or delete. They have failed to follow any and all request for proof and original documents. They have reported inaccurate information to the credit bureaus and are trying to have me still pay full amount after they have sold the vehicle and received money for it. I have tried to talk with them over the phone and received very hostile conversations with the representatives.
Product: Credit reporting or other personal consumer reports

In the 2nd to third quarter of XXXX I contacted the CFPB because equifax is reporting inaccurate information regarding XXXX XXXX  and these inaccuracies on my credit report are violating my rights of the FCRA It says the account was closed on XX/XX/XXXX, however, in XXXX  I contacted CFPB and asked XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute was completed on XX/XX/2020 with XXXX XXXX which has 2 accounts on my credit. Trans Union is saying that XXXX XXXX is accurate but did not give me a statement as to why this is accurate. When I contacted the companies such XXXX XXXX XXXX and XXXX XXXX they were unable to locate those accounts. Please have them remove from my credit file.
Product: Credit card

Review of Phone Scam On XX/XX/year>, my XXXXXXXX XXXX XXXXXXXX stopped working, I was unable to make calls or texts. My XXXX is XXXX XXXX. I made a call to XXXX XXXX at XXXX XXXX. They could not identify a problem and told me to call XXXX. I went back and forth between XXXX XXXX and XXXX for the next 8 hours. Finally in the XXXX oclock hour, XXXX XXXX asked me to read the sim card number on my phone. It did not match with their records. Apparently someone had bought a sim card the previous day and switched it with mine. This gave the hacker full access to my phone. My phone was never stolen or out of my possession. 

The hackers were able to access my Bank of America account. Through that account they accessed my Bank of America credit card. Thery were able to do a balance transfer from my card to their XXXXXXXX XXXX  account. Since the hackers had access to my phone, they were able to verify the transfer from my phone. My credit card was not stolen or ever out of my possession. 

Once I knew the sim card was switched, XXXX XXXX immediately shut down the hacker purchased sim card and phone. In the end the hackers made the {$19000.00} transfer and a {$8.00} XXXX charge. Bank of America credited the XXXX charge, but not the {$19000.00}. They claim since it was verified from my phone, I am responsible. 

I have filed a report with my local police department. My case number is XXXX I am continuing to follow-up with XXXX XXXX to see if they can identify who and where the sim card was purchased. I am also asking Bank of America to forward documents used to make their decision.
Product: Debt collection

XXXX XXXX now called XXXX XXXX XXXX and XXXX XXXX XXXX is calling someone else talking about my personal information Ive asked for what this is in writing and no response Ive also disputed this on my credit report
Product: Debt collection

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well fist of all my credit line report was decreased by {$21.00} which is absolutely incorrect. My XXXX XXXX cardbstill has the original {$200.00} limit. Also XXXX XX/XX/XXXX I believe my score was decreased by over 120 points due to lack of credit use. During that time my cardbwas hacked into causing me to have to cancel my card and wait multiple weeks to receive the new card. Just as soon as it arrived it was hacked again without me to even be able to use. Causing yet another cancelation and more weeks of waiting for the new card. I was subsequently unable to even access my card for over a month. Hence not being able to utilize my credit. I'm in the process of trying to purchase my first home and your transunion score is very much so hindering me from doing so. Please contact me for any information @ XXXX XXXX Thank you XXXX XXXX
Product: Credit reporting

Equifax Mortgage Services and XXXX XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.
Product: Checking or savings account

My wife went to open a business account at Bank of America in XXXX, Utah. 

She was given a brochure that shows how an account says on the top no monthly service dee, but them at the bottom of that same account shows {$29.00} or $ XXXX monthly service fee if ... ... .. 

If an account is free of monthly fee at no condition then no monthly fee message should be disclosed, period. But if there are conditions, then they should say something like the bottom I mentioned before and not the plain no monthly fee option. 

It is a very misleading brochure.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 


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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent money to my friend, XXXX XXXX XXXX, via Venmo in the amount of {$210.00}. I accidentally sent it via Venmo, after forgetting that my friend asked me to send it via a different money transfer service. My friend did not disclose to me that he had a negative balance in his Venmo account. 

I later attempted to contact Venmo to request this money back. They advised that my friend would need to contact Venmo to request to send this money back. My friend contacted them and told them that he did not know me and stated that the did not wish to accept those funds. Venmo later told him that because he had a negative balance in his account, they would. I advised him not to say that but I am not responsible for what he chose to say. 

After my friend contacted Venmo, I contacted them again and they continued to state that they can not reverse the payment. I find it difficult to believe that there is mechanism in place to safeguard a consumer 's money when this type of situation occurs. Although I understand that if my friend did have a debt with Venmo and any amount collected would be used for that purpose, if I erroneously sent the payment to this account, there must be someway to request this money back.