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. 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 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.
Product: Credit card or prepaid card

So in XXXX I took a trip from Connecticut to Florida while down there I was the victim of a robbery in the process my card was taken I called and reported my card stolen and opted to pay the fee too have a new one shipped to Florida the card came but the opportunity to use it never did because they sent it restricted with a request for legal documents I would have no way to get for them while over a thousand miles from home they did however give me the option to have my account terminated which I didn't want to do at that time do to my direct deposit I did however order a new card ( brinks ) unbeknownst to me there the same company ( XXXX ) which means my account information is the same netspend still refuses to have the corporate office contact me as well as the fraud department they refuse to terminate my account or transfer funds to the brinks card verifying it's me through cross reference and in the meantime while the country suffers from a pandemic I'm not allowed access to my funds which have been held from me for over a couple months
Product: Credit reporting or other personal consumer reports

provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
Product: Credit reporting or other personal consumer reports

I have a closed and paid off account ending in XXXX with XXXX XXXX XXXX XXXX XXXX. I recently pulled my credit report through my XXXX XXXX and XXXX credit monitoring services. See Attached Documents XXXX XXXX XXXX XXXX XXXX has reinserted/Reversed a modification. That was modified to positive ( Current Paid as Agreed ) information. It turned back to negative ( Not more than two payments past due ). Then the closed paid as agreed account was closed on XX/XX/XXXX. Now I'm viewing my credit report. I find out that Equifax is still reporting active account every month. On a XXXX account when its already closed and paid off. 
See Attached Documents I then received this alert from XXXX. Indicating there's been a change or update to my credit reports. It had a update with two alerts from XXXX XXXX XXXX XXXX. XXXX alert had ( Not more than two past due payments ) In the payment staus column. The 2nd alert had ( Paid and Closed ). 
Here 's another thing, they both have wrong/inaccurate open dates. The account was opened on XX/XX/XXXX. Takes me back to why they took 7 months to finally report the auto loan. See Attached Documents In all, I ask that this account be REMOVED from my Equifax credit profile. They have violated numerous of FCRA rights. My supporting documents will display numerous of errors, negative, Inaccurate, information within.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 

1 XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX  Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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.

According to 15 USC 1681s-2 they are supposed to 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account NumberXXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$31000.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/2019 Balance Owed : {$0.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance Owed : {$0.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance Owed : XXXX XXXX Chargeoff XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance Owed : XXXX XXXX  Chargeoff
Product: Debt collection

This account has been removed XXXX XXXX from my XXXX report.
Product: Credit reporting or other personal consumer reports

These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. Below are a list of account that are inaccurate Accounts : XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX  Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX
Product: Checking or savings account

Hi, I opened an account in XX/XX/2017 with TD Bank. After opening it, I went back to my home country and realized the card and the bank account have my last name misspelled. 

For that reason, I couldn't set up home banking for a while, and because of the $ XXXX monthly fee for printed statements ( that nobody told me about ), my balance went below {$100.00} and I started getting charged for monthly maintenance. 

I've been able to create an online banking account now but I need help with getting credited back the maintenance amounts that you deducted, also because I can't use my money or my card at all. 

After this, they credited my account, the system still sees that my balance was low at some point ( which happened thanks to their actions ) and it now the deductions don't stop happening even though my balance is {$100.00}. They keep deducting a unjust maintenance fee, and I can't fix it since I'm not in the US to go to a branch and they refuse to fix it over email.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to LOANCARE SERVICING about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Lack of Response from Equifax Regarding Verification of Inquiries - FCRA Credit Rule Violation Dear Sir/Madam, I am writing to express my deep dissatisfaction with Equifax 's lack of response to my dispute letter dated XX/XX/2023, requesting verification of certain inquiries on my credit report. Despite my efforts to rectify this matter in accordance with the Fair Credit Reporting Act ( FCRA ) credit rule, I have not received any communication from Equifax. 

The FCRA credit rule clearly stipulates that consumers have the right to dispute inaccurate or incomplete information on their credit reports and that credit reporting agencies must investigate and respond within 30 days of receiving a dispute. My dispute letter was sent to Equifax on XX/XX/2023, and as of today 's date, more than [ number of days ] have passed without any acknowledgment or response from their end. 

I have taken all necessary steps to ensure the accuracy of my credit report, and I am greatly concerned that Equifax 's lack of response not only violates the FCRA credit rule but also jeopardizes my ability to maintain a fair and accurate credit profile. This situation has caused me undue stress and uncertainty about the accuracy of my credit report, and I feel that my consumer rights have been undermined. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Equifax adheres to the FCRA credit rule and promptly addresses my dispute. I urge you to investigate this issue and take appropriate action to rectify the situation. 

Enclosed with this letter are copies of the dispute letter I sent to Equifax, as well as proof of delivery and any relevant documentation. I appreciate your attention to this matter and your assistance in resolving this dispute in a timely manner. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and confirmation that Equifax has complied with the FCRA credit rule. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for Lentable XXXX maximum match reimbursement. All I have to do is to contribute the max percentage of my company will match so I can get the full benefits of the matching. In return they reimburse the extra money that I contribute to get the 6 percent match. Originally I accept the XXXX dollars monthly fee. For example if I contribute another XXXX dollars more to reach the 6 percent match. They will reimburse me XXXX dollars minus the XXXX dollars fee every month. And on top of that I will owe them 20 percent from the money I make on my retirement or if I quit my job. Recently they raise the monthly fee to XXXX dollars so all the money I contribute to my hit the maximum match is getting taken by them every month plus I'm still owe them at the end. Today XX/XX/year> I received a email that to be able to continue the service I need to pay half of what I owe them from the XXXX match plus the reimbursement. Or if I choose to stop using the service I need to pay all of them in one lumpsum. They want me to repay them from my retirement account that will put me in a big financial burden. I believed that they're taking advantage of all the people that is sign up for this service. I cant pay this and I want to end this financial burden. I need help to investigate if they're violating the law. Thank you.
Product: Prepaid card

I was gifted a {$150.00} American Express ecard and can't find anywhere online or in person that will accept it.
Product: Money transfers

google wallet has cancled my account with {$140.00} us dollars and will not get back to me about a refund this is borderline stealing. I cant get in contact with anyone about getting a refund and no one will respond in emails. this is my money and i need it now. the customer support is terrible and they can not provide any info on getting my money back to me im very displeased with how ive been handled. this needs to be addressed so customers can get their money back in a timely manner ... not a month or XXXX just to get a refund thats way to long to handle an issue. ive called more than XXXX times and no one can help me!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agency, they have not responded in a timely manner
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a charge-off account XXXX XXXX XXXXXXXX that reporting inaccurate information to my credit report.
Product: Vehicle loan or lease

Recently my car has been repossessed. I have tried to get in contact with the company, but before I can get in contact with the company, the company already had sold my vehicle on XX/XX/XXXX. My vehicle was repossessed on XX/XX/XXXX. I was able to get some of my belongings but not all because I didnt know where the vehicle was. I offered to pay and arrange payments until it was done however, I couldnt make any payments because my vehicle was sold within three weeks.
Product: Debt collection

Afni, continues to write me about a debt that I have no knowledge of. They also have not sent me any validation of this debt as follows : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports you 've furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX and XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to place disputes on my credit via fax to XXXX, XXXX and TransUnion. Online and on XXXX, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition XXXX XXXX XXXX NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately