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

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX XXXX XXXX, and Kohls Department Store fall within the definition of a financial institution under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. XXXX XXXX XXXX, and Kohls Department Store, with XXXX XXXX XXXX XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX XXXX, and Kohls Department Store, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX revoked . Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX, and Kohls Department Store failed to apprise me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The accounts in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX XXXX XXXX, and Kohls Department Store 's reporting services .
Product: Debt collection

COMPANY FAILED TO SEND ME A DEBT VALIDATION I WOULR LIKE THIS ACOUNT DELETED FOR GOOD OFF MY AACOUNT BECAUSE THIS ACCOUNT IS SHOWING CLOSED ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that Transunion ( credit bureau ) has been inaccurately reporting unauthorized inquiries that I do not recognize. The information listed below are the inquiries that are reporting inaccurately on my consumer credit report : An inquiry from XXXX  XXXX ( automotive ) on XX/XX/XXXX, another inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and an inquiry form XXXX XXXX  on XX/XX/XXXX. I have requested for the bureaus and companies to remove the inquiries and no results have been furnished to me as the consumer.
Product: Mortgage

I started a modification last XX/XX/XXXX. I did n't have pay for XX/XX/XXXX..XX/XX/XXXX.. I paid XX/XX/XXXX XXXX I went to the notary to finish paperwork. She mailed it for me. I did n't think to make copies. Two months later the claim they did n't get it.. That XX/XX/XXXX. They told me to start over. They would not let me make any kind of payment in the mean time. I did not pay XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>I filled out the paperwork again and faxed it this time. Again two months later they stated they never received it. Now I ca n't refinance because of the payment gaps. And they are going to foreclose on me. I have lived here for 21 yrs, I do n't know what I can do, if anything.
Product: Student loan

My loans were recently transferred from XXXX to aidvantage, i was paying XXXX with income driven repayment a total of {$150.00} a month which includes a payment of {$64.00} and a payment of {$95.00}. I was told I would not have to make any changes to payment as the transition should be seamless, the first month of having aidvantage they took a total of {$340.00} in 2 payments in XXXX - one of {$170.00} and one of {$170.00}. I had suddenly been receiving tons of mail from aidvantage and XXXX  about my loans in the last 14 days and logged in on XX/XX/2022 to find out they had my autopay set up to withdraw approximately {$3000.00} from my account on XX/XX/2022 without any warning in any of the mail I had received or by phone/email. I immediately called aidvantage and they canceled my autopay and assured me they would not collect that money as the autopay has now been canceled. They also had issues putting me back into income driven repayment. Because of this I had them put me in COVID relief deferment so that I wouldnt have a payment, and I then I made a payment for {$170.00} as this is the amount I have been paying to XXXX regularly and monthly for the past 2 years. I realized they were wrong or lied and withdrew {$1700.00} on XX/XX/2022, over drafting my account. I logged into their website today to ensure that my autopay is off and found that I am no longer in the Covid relief and have a payment due for {$1200.00} which appears to be the amount that is left over after they overdrafted my checking account. I also received multiple past-due notices for small amounts such as {$5.00} and a {$30.00} for XXXX, despite being set up for Auto-pay and also already paying my loans for that month, which was an amount that they had already changed and increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. Citizens Bank 2XXXX XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. 

It's really affecting my credit score and my ability to get further credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have found entries on my credit report that i do not recognize and were not authorized by me. I've reached out to the credit bureaus and have gotten no response. I continue to be harassed by creditors.
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 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 15 U.S.C, 1681section 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 an 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 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

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXPlease remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Date opened is not accurate across all credit bureau High Credit is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am XXXX  and the person who hired me used Venmo to send me payment for {$250.00}. The payment was flagged for review and the company said it would take 48 hours for review before the funds would be made available. Based on that, the funds should have been available on XX/XX/2022. The funds were still not available. I contacted Venmo ( request # XXXX ) and they said they would escalate by the end of the day on XX/XX/2022, and they would contact me. I also asked XXXX with Venmo if the payer could cancel the payment to send it using a different method and they said no as it is in review. I still do not have my payment/funds, and I have not been contacted. It has now been 6 days/144 hours, and I do not have access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # s XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses such as it can not verify my identity. However, I have included proper identification in my correspondence to Equifax. Equifax is in violation of my rights as a federally protected consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Equifax and informed them that there were fradualant inquires on my credit report. The bureau 's and fraudalant inquires are as follows : XXXX- XXXX : Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX Inquiry DateXXXX Equifax- XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report.. 


XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered certain issues on my credit report that were improperly reported after analyzing it. The Fair Credit Reporting Act has given me the authority to dispute and alter information in my credit report that I believe is wrong ; however, the following are also forbidden under the Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with XXXX, XXXX, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to Midland Credit Management on XX/XX/2022, and XX/XX/2022. Midland Credit Management ignored my request for debt validation and failed to respond in over 60 days. I dont even have an original account with whom they say the original creditor is or a similar dollar amount of {$600.00} reporting on any of my credit reports. This is why I wrote to Midland Credit XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

As of XX/XX/2022, both XXXX and XXXX verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.
Product: Debt collection

I checked my XXXX credit report this morning. There was a new entry from Diversified Consultants Inc on there. Supposedly I opened an account on XX/XX/XXXX of this year with XXXX XXXX with a balance of {$460.00} with a high balance of {$93.00}. I have no idea about this account. I have fraud alerts on all my accounts and credit reports, I am a victim of identity theft and I get reports whenever anything changes on my credit reports from XXXX XXXX, XXXX XXXX, and XXXX. This entry is not on my XXXX XXXX report. I want this removed from any of my credit reports. I do not have any loans that were opened this year and especially with this company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  XXXX.This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Debt collection

I paid an outstanding student loan debt for the XXXX XXXX XXXX through a collection Company named Credit Adjustments in the amount of XXXX on XX/XX/2018. I was informed that my credit report would reflect that it was paid within 7 to 24 days after payment. It has not been updated or reported as of XX/XX/2018, which is now 28 days. I reached out to Credit Adjustments and they informed me that they do not directly report to the credit agency 's, rather that the XXXX XXXX XXXX will do at their next reporting cycle which is not what I was told initially. The contact information for the collection agency is : CREDIT ADJUSTMENTS I via CREDIT ADJUSTMENTS INC XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX My confirmation number for the payment is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( Jefferson Capital ) has violated my rights 15 U.S.C 1681 section 602 A state that i have a right to privacy. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did apply on several companys for credit but they declined to me because insufficient history
Product: Credit reporting or other personal consumer reports

COMPANY IS REPORTING INCORRECT INFORMATION, SO I DISPUTED THE INFORMATION, I SENT OPT OUT REQUEST AND A COPY OF THE CIVIL LIABILITIES ACT. SO THAT NEGATIVE WAS NOT AUTHORZED TO BE SHOWN ON REPORT
Product: Checking or savings account

Money move from my account, without my permission on several occasions. Reported and nothing done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My ex husband and I legel separated and I moved to a different city, I Have a lease agreement showing I move to a new city, When I left he was still living in the home we purchase in XXXX, he wanted the home. I went to the XXXX  XXXX XXXX and told them I was separated form him and asked them to remove me from the loan, they told me they could not, so I asked him if he was making the payments and he said he was, We finally divorce after 2 years and he got the house in the divorce and on the day of the divorce they took the deed out of my name and put it in his and I will show you from the tax office, I went back to the bank and asked them to remove my name and they told me they could not. again, so please can you help me, get this off my credit, I walked away from this because of abusive and I want to try to buy my daughter and my self a house, I want it off my credit and I want the loan taken out of my name please
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from XXXX and XXXX but not from Experian. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.