23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) XXXX and Transunion said everything was complete and accurate and I asked them how if the balance is wrong? XXXX is reporting a balance of {$3400.00} and Transunion is reporting a balance of {$3400.00}. 

Also, XXXX is reporting the account as open when it is a collection account. Collection accounts from debt buyers can not be open. 

Then I asked them to provide me with a description of the investigation in accordance with 15 USC 1681i ( 7 ) and they never did. I have proof via the previous dispute that was filed through the CFPB to the credit reporting agency.

Also, according to 15 USC 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

This is violation after violation. This is causing me stress because I have no hope in this credit reporting system. 
Failure to comply will force me to pursue actual damages against the credit reporting agencies. I have proof of these damages and will seek legal counsel if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The company conducted these inquiries without my permission, and I have no knowledge about them. Please remove them.
Product: Bank account or service

In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts. 
The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable. 
On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out. 
XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding. 
overdraft fee XXXX overdraft item fee also. 
check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX. 
In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for. 
went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit. 
After complaining to bank they would not let me online again. 
Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out a letter to XXXX, Equifax, and XXXX. However it's been over 30 days and the credit bureaus failed to comply with fixing my credit report despite my attempts to contact them and its being past the 30 day window for resolution. This is preposterous this is really not making any sense. 

According to the law 15 U.S. Code 1681i- Procedure in this case of disputed accuracy. If the completeness or accuracy of any item of information contain in a consumer 's 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 dispute information, or delete the items from the file in accordance with paragraph ( 5 ), Before the end of 30 - days period beginning on the date on which the agency receives the notice on the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  XXXX account, XXXX XXXX XXXX, and XXXX   XXXX  account was originally deleted from my credit report and now it reappeared back on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 1.XXXX XXXX  XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX - XX/XX/XXXX 13. XXXX XXXX XXXX  - XX/XX/XXXX 14. XXXX XXXX XXXX - XX/XX/XXXX 15. XXXX XXXX  - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights XXXX U.S.C XXXX section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX section XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) 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 more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported 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.

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! 


Delete the late payments from my consumer reports
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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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

XXXX XXXX XXXX XXXX  account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
Product: Credit card

In XXXX of 2023 my Apple Card with Goldman Sachs was compromised through a text message scheme wherein I was contacted by someone that was allegedly " with UPS. '' They said that they had a package for me and I needed to pay a nominal re-delivery fee to have the package re-delivered. I provided them with my Apple Card XXXX Goldman Sachs credit card number. A few days later I saw a charge on the same credit card that I did not make. The charge was for {$1700.00} and it was with XXXX XXXX. I immediately contacted Goldman Sachs to dispute the charges. They opened a dispute and then contacted me a month later stating that the charges were accurate and my responsibility. Like it was some sort of evidence that these charges were legitimate, Goldman Sachs sent me a flight manifest with the name of the passenger, who I do not know, showing the flights that were booked and flown. The passenger 's name is XXXX XXXX XXXX. He flew from XXXX to XXXX on XX/XX/XXXX and returned to SFO from XXXX on XX/XX/XXXX. I do not know him and I most certainly did not authorize the credit card charges. I have filed a police report with XXXX XXXX indicating this. Goldman is saying that someone accepted the terms and conditions and approved a non-refundable flight when booking and, as a result, the charges are legitimate and my responsibility. Again, someone stole my card number and they were the one to purchase the airfare and accepted terms & conditions for the non-refundable flight. I did not. I immediately opened the dispute again in XXXX. Goldman came back with the same response. So I opened the dispute again in XXXX. And again in XXXX. And again in XXXX. And again in XXXX. Goldman keeps claiming that I am responsible for these charges though I clearly did not make this purchase, I did not know about this purchase, I do not know the person who traveled, etc. This is a simple case of credit card theft. The current complaint # with Goldman Sachs is XXXX and the current Dispute ID is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I never had a debt owed to XXXX. They sold information to a company which is now stating I opened an account with them XX/XX/2022. That information is false Ive never opened an account with this company before. They are claiming I owe them {$1900.00}. Which is false. This information is reporting falsely to all the credit agencies and needs to be removed immediately. They dont have any knowledge of me opening anything or my signature on anything.
Product: Mortgage

I sold my property in XXXX, Florida and closed on XX/XX/2022. On XX/XX/2022, XXXX XXXX XXXX XXXX " transferred my already paid loan '' to Mr. Cooper and sent the closing loan payoff amount of {$160000.00} to Mr. Cooper. 

Mr. Cooper refuses to close the loan, has reported me to the credit bureaus as delinquent mortgage payments and is demanding an additional amount of {$8400.00}. Please help!
Product: Checking or savings account

My name is XXXX XXXX, I have submitted several complaints against Wells Fargo Bank. 
Wells Fargo has sent their response. They thoroughly investigated my complaints. They deposited the money from the unauthorized accounts back into my accounts. They also stated that to close my accounts, that I have been asking them to close for months now. I could go to ANY branch and have them closed. They will not be paying me any restitution for all the damage they have caused me. END OF STORY. COMPLAINT CLOSED. 
Today I went to Wells Fargo to withdraw all the money out of my accounts ( Wells Fargo is now charging me a service fee for my accounts ) I asked to have my accounts closed. NOPE cant do that. I have to make an appointment with a banker to have this done. I also had them print a receipt for all my zero accounts. Guess what? The account that Wells Fargo has told me they refunded my money they stole from me. That is not my account. Does not exist in my accounts. Soooo where is the money that was refunded to me? 
Again, Wells Fargo has lied in every response that has been given to the CFPB. They have and still are stealing my money and NOONE is helping me. I am still living with the identity theft they are still enabling and they gave my refunded money to someone else. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a 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
Product: Credit reporting or other personal consumer reports

I have sent several letters about the alleged auto loan from XXXX. They have been ignoring me for months. I asked them to prove and provide detail information that they gave me a auto loan. This was in fact a credit sale transaction, they have closed the account out and written it off as a charge off. Somehow they are still trying to collect from me. This information is NOT accurate and is causing me harm on my credit report. Only true and factual information should be reported on someone's credit report. I am not able to use my credit to purchase another auto due to this reporting on my credit file. 

Thanks
Product: Checking or savings account

I XXXX  money to a fraudulent company. I reported within 48 hours, it Was a weekend so I had to wait. It was in the amount of XXXX and it was sent XX/XX/2020. The name of the website is XXXX and the money was sent to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my report.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or account. Block and remove them NOW!! Please remove all fraudulent and inaccurate account information as I am unaware of this account due to the XXXX XXXX XXXX data breaches/identity theft. All is being investigated by the FTC & CFPB. According to FCRA 605B, this information should be blocked immediately until the investigation in complete. Since 4 business days from receipt of this information is allotted under Federal Law to block there entries, it should be understood that failure to do so within a 4 business days period after receiving this letter, constitutes reason to promptly delete the information form my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ). 

In addition, I am requesting Capital One to provide me & the CFPB with the following to show proof of said credit card account : Original or a copy of the original Credit Card Application as it relates to the inception of said credit card account with Capital One, N.A., along with detailed supporting documents to include the following : Date in which the Capital One credit card application was initiated by me. 
My name and address at time of application initiation Credit inquiry and credit score at time of application initiation My total household income at time of application initiation My employer and employment status at time of application initiation Approval status along with credit line total/limit issued at time of application initiation Records indicating/showing that all deposits made towards said credit card account with Capital One, N.A, were in fact direct payments made by me and from my bank account. 

Signed merchant receipts and surveillance evidence indicating that all transactions processed by said credit card account with Capital One, N.A., were in fact authorized and made directly by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Balance Owed : {$1000.00} DEPTEDNELNET XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX via phone and fax back in XXXX, 2021, that one of my credit card accounts was not reporting to TransUnion and XXXX. They said they would fix it and to give it 30 days to update. It is now XXXX, 2021, and it is still jot reporting. These accounts are " secured '' therefore, the point is to help raise your credit score. My score is not improving because the account is not even reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number 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 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Debts have repeatedly been disputed with XXXX Bank. 
I have requested documents, validation of debt and verification of debt to be sent to me according to Section 609. Documents have not been provided. This has been an ongoing dispute. I am requesting the letter attached and sent out again be answered as it has been more than 60 days. 

Attached Letter sent to XXXX Bank XX/XX/XXXX XXXX sent to XXXX company who did not validate debt and court case was dismissed in XXXX. 

As quoted In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you. 

Please provide the following : What the money you say I owe is for ; Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide verification or copy of any judgment if applicable ; Identify the original creditor ; The statute of limitations has not expired on this account ; Show me your license to collect in my state ; Guide me with your license number and Registered Agent. ( XXXX ) These debts are being resold to different collection agencies who are NOT validating debt.