23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 U.S.C 1681, the four following accounts listed below has VIOLATED MY RIGHTS XXXX XXXX XXXX, Original Creditor XXXX XXXXXXXX XXXX XXXX Account # Listed Below XXXX -Amount {$490.00} has violated my rights. 

** XXXX XXXX XXXX XXXX - Account # XXXX - Amount XXXX ** XXXX  XXXX Child Support - Account # XXXX - Amount {$0.00} ** XXXX XXXX XXXX XXXX - Account # XXXX - {$0.00} 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 reporting, credit repair services, or other personal consumer reports

The is an unauthorized hard inquiry on my credit report that denotes it was reported in XXXX I did not authorize this inquiry.
Product: Debt collection

Upon applying for a business purpose loan I noticed that someone has gained access to my credit profile and have opened the following accounts XXXX XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XX/XX/XXXX {$3900.00}, XXXX XXXX XXXX {$530.00}, XXXX XX/XX/XXXX {$800.00}, XXXX XXXXXXXX XXXX XXXX {$1000.00XXXX XXXX  XXXX XX/XX/XXXX {$1200.00} and XXXX XX/XX/XXXX {$2800.00}. I've disputed these accounts a numerous amount of times. My last dispute was in XX/XX/XXXX. This is in violation of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it violates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which constitutes immediate removal since the alotted time of 30 days had been given to investigate these accounts. I also do not consent to e-oscar nor other electronic forms of verification. I asked for a live person name and address they bureaus or creditors have not furnished this information.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back 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. These accounts listed : XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX ACT # XXXX  are not complete and accurate. 


ACCOUNTS - open date is not reporting correctly, date last active, date of last payment is not correct, account number is not accurate, and payment history is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

All accounts reporting to credit bureau surprise medical billing and medical billing under XXXX dollars
Product: Debt collection

Got a call from XXXX XXXX XXXX saying I owed Citi Financial $ XXXX from 2011. I called Citi, Citi said they sure no record of any debt for me and told me to ask XXXX for a letter certifying the debt, XXXX refused and said it would be filled with the court house within 48 hours. XXXX also had information about me that they shouldnt, but was asking me to verify information as well.
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq.

I, the consumer, have been adversely affected by XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter XXXX regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a XXXX on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.
Product: Credit reporting or other personal consumer reports

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 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 XX/XX/XXXX I looked at my XXXX credit report on XX/XX/XXXX 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 generally, 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. 

and according to 15 USC 1681s-2 they are suppose 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.
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX in XXXX for {$3000.00}, I have paid {$1600.00} in payments since and they say my balance is {$2400.00}. They say I am delinquent and they are going to take legal action against me if I dont pay in XXXX days. I got a statement in the mail from XXXX that is dated XXXX/XXXX/XXXX and it says I owe {$130.00} on XXXX/XXXX/XXXX. When I told the XXXX person on the phone about this they said they just send those out they dont really know if you have paid or not. I just paid {$220.00} on XXXX/XXXX/XXXX. They never give you your balance unless you ask for it and when you say why can you see your statements online or your balance they say it is under construction. Is this loan legal in Virginia? If it is why?
Product: Credit card or prepaid card

Today, XX/XX/23, I received a card in the mail to an address I have not lived at for the past XXXX  years. the card and accompanying letter had my name on it. I did not order any such card, let alone to that address.
Product: Checking or savings account

On XX/XX/2021 I appeared at Bank of America branch at XXXX XXXX XXXX, XXXX, TN XXXX and closed my account # XXXX XXXX XXXX and withdrew the balance of the account. Interest of {$.00} was posted to my account and maintainance fees were charged after my account was closed. I spoke to a Bank of America agent who stated the account is not closed and can't be closed until the mounting service fees are paid. I dispute these charges because I closed my account and the bank reopened it without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to run my credit bureau reporting on XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 


Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX, NC, XXXX I urge you to prioritize this issue and fulfill your obligations under the law. Please confirm receipt of this letter and provide an update on the status of my dispute as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX  Account Name : XXXX  Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX XXXX XXXX  Account Name XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/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 XX/XX/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 M XX/XX/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 XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

The account with LVNV that on my credit report for XXXX is not valid. This account should not be showing as an open balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a loan with Upgrade since XX/XX/XXXX. I was making every payment on time then I was affected by CXXXX XXXX and went on a hardship program in XX/XX/XXXX. I agreed to make lower monthly payments then get back to full payments in XX/XX/XXXX. 
I was quarantined for XXXX in XXXX and was late for a payment and missed the due date, Upgrade never told me they removed me from the hardship program. My last hardship payment was made on XX/XX/XXXX. At this time upgrade reported to the credit bureau that I was 120 days late, 2 30 's, 2 60's,2 90 's. 
XXXX XXXX-30 day late XX/XX/XXXX - 60 days late XXXX - XXXX current XX/XX/XXXX - 30 days late XX/XX/XXXX - 60 days late XXXX - 90 days late Janurary XXXX current Clearly, this is a mistake, They then told me if I would not pay XXXX immediately my account would be sent to collections. I have tried to work with upgrade and they refuse to help me or remove this information from a credit report. I also spoke to multiple account reps up to XX/XX/XXXX and they all told me the account was fine and I have nothing to worry about. I have taken steps to bring the account current.I was also never never told my hardship plan on terminated. 

I would like to add that upgrate has reported on credit wrong on multiple occasions now
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get the free annual report supported by Equifax. I got the following error : " Please give us a call We can't complete your request at this time. Please call the Customer Care team and mention error code NH. 

XXXX ( XXXX ) '' I called the Equifax customer service and they were not able to help. 

My credit file has disappeared and won't show up on any credit monitoring services. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 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: Debt collection

I was unaware of this account until it showed up on my credit report in 2023. I immediatley called XXXX and this is the information that was given to me. An account was opened in my name, XXXX XXXX, with my social security number. The account ( # XXXX ) was then billed to an address in Texas, XXXX XXXX XXXX, XXXX, TX XXXX. I believe there were XXXX phones that were purchased and the phone numbers were XXXX, XXXX. I have never had a XXXX account and I have never lived in Texas. This person used my social security number to open the account and this has been on my credit card report for 2 years. I have filed a fraudulent report with XXXX. I spoke with the pollice department in XXXX TX and was told that i had to file the report in the city where I reside. So I filed a police report in XXXX, VA via the telephone as that is how it is done here. I have spoken with the collection agency Source Receivables Management and I filed disputes with XXXX and XXXX. After the disputes it shows back up on my credit reports. XXXX is the most unresponsive company for fraudulent activity and this should have been resolved by now. I have excellent credit and do not know what else to do to prove that this is not my account or my responsibility.