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

I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : Disputed Accounts : XXXXCreditor Name : XXXX Account XXXX : XXXX Balance : {$660.00} Date Opened : XX/XX/XXXX 2.Creditor Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXX XXXX Name : XXXX CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX
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 has violated my rights. 

I looked at my XXXX credit 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 generallf, 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. 

Follow the law and delete the inaccurate information on my report. Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delete from my credit report, because of multiple violations of the fair credit reporting act.
Product: Mortgage

On XX/XX/XXXXXXXX  I called and spoke to a representative to withdraw funds from my account. 
I was told that the investor has put a temporary hold for security reasons on and transfers because the investor has put a temporary hold on fund transfers for security reasons. 

On XX/XX/XXXXXXXX  I called again and got the same answers. But they said I could send a request to ask for the investor 's contact information and send an email to another location requesting the form for requesting a draw. They have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account- XXXX XXXX XXXX XX/XX/2022 $ XXXX Inquiry- XXXX XXXX  XX/XX/2022 inquiry- XXXX XXXX XXXX XX/XX/2022 inquiry- XXXX XXXX XXXXXX/XX/2022 account- XXXX XXXX XXXX account- XXXX  XXXX XX/XX/2022 {$140.00} Account- XXXX XXXX XXXX XX/XX/2022 {$390.00} inquiry- XXXX XXXX XX/XX/2022 The above referenced accounts/inquiries were not authorized by me. Ive contacted companies in regards to the misinformation and given them 30days to comply. The companies who did comply are not list and they have removed any false info from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX - XXXX Collections XXXX XXXX XXXX : XXXX XXXX XXXX Collections : XXXX, XXXX Collections : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry by Capital one on XX/XX/XXXX on my XXXX  credit report. I did not apply for any bank loans/credit cards. I called Capital One XXXX on XX/XX/XXXX XXXX directly to let them know and to find out who gave permission for this inquiry. Capital One was unwilling to provide any information. I was directed to write a letter explaining what I already explained by phone. I explained that because I did not do this inquiry that it means there must have been a sign of attempted identity theft. Capital One stated that they could not provide me with any information about the inquiry of XX/XX/XXXX. I then contacted XXXX, whom directed me to call Capital One and request a letter of deletion and an authorization letter. I explained that I called Capital One already and they did not provide me with any information and I was told that I did not appear on their records as someone who applied for Capital One credit card. Thus, calling them to ask for these items would be futile.
Product: Checking or savings account

I opened an account with SoFi about a month and half ago. I recently added my wife about 2.5 weeks ago. The second day after adding my wife we had a transaction for {$2.00} from the XXXX XXXX, we filed a dispute, and it was put back into our account. The next day or two another transaction for $ XXXX had happened. We replied to the text that it was not us and they blocked it. There was one other time as well that was blocked. On XXXX a transfer was made from our account for {$950.00} to XXXX XXXX. We have absolutely no affiliation with XXXX XXXX. As soon as we received a confirmation text of the transaction, we contacted SoFi to inform them when it was in pending. The submitted a dispute claim. The transaction has completed and still waiting for my money to be refunded. XXXX  XXXX XXXX would have put the money back in my account had this happened with them. I have bills I need to pay and are being delayed due to SoFi 's lack of processing. Now the lady I spoke with says can take 2 weeks. This is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm concerned at how a company is allowed to place items on a consumer report without providing any validate what so ever. On XX/XX/XXXX I submitted for this to be investigated and of course, Midland using all their illegal tactics, was able to get it closed through CFPB. Since then the accounts that they can not verify as being mine has been removed, placed back on file, closed, reopened several times, which has totally destroyed my credit.
My concern is how are they able to continue these actions and the CFPB protects them?
At this time I have yet to receive a validation of any of the 3 accounts they are claiming to be mine. I started this in XX/XX/XXXX, and the CFPB has done nothing at all. 
This company can not provide a validation as to they do n't have any agreement with me at all. My last credit check also reported these accounts in collections and a month prior all 3 reported closed. This action is purposely damaging my credit file.
This company has multiple discrepancies they have place on my credit file.
This will result in lawsuit as I have been monitoring and documenting all the activities that they have been doing with my credit file.
Product: Debt collection

Debt has been paid and I requested documents showing proof. Debt should not be on credit report. 

Balance XXXX $ Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

XXXX XXXX has been continuously calling me, my sister, my grandmother, my stepdad, and my stepdad 's sister, who we have no contact with. Everyone but the person who's debt it is, my mom. They have not called her phone once, but have attempted to contact me over 30 times within the past few weeks. I consider this harassment.
Product: Student loan

I am writing to express my confusion and concern regarding the recent XXXX XXXX report, which inaccurately shows that I have paid off {$0.00} of my loan balance. As a participant in the XXXX XXXX XXXX XXXX ( XXXX ) program, I have made consistent payments over the years, and I am confident that I have qualified for at least XXXX payments, if not more. 

The current balance displayed does not reflect the substantial progress I have made toward repayment, and it does not accurately depict my true loan balance. As a result, this error is negatively impacting my credit score and presenting an inaccurate picture of my financial situation. This has been a source of ongoing stress, as it appears that I am over-extended with credit, when in fact, I am meeting my obligations through the XXXX program. 

I kindly request a thorough review and correction of my loan history to reflect the payments I have made under the XXXX program. The inaccurate information has been affecting my financial standing for years, and I would appreciate any assistance in resolving this matter promptly. 

Thank you for your attention to this issue, and I look forward to your response.
Product: Credit card or prepaid card

On XX/XX/26 XXXX Car rental over charged {$200.00} claiming I returned the vehicle late. I did not. I disputed the charge with Goldman Sachs ( Mastercard ) and on XXXX they charged me back the {$200.00} and claimed that they sided with XXXX. I called and asked for an appeal, they said they will appeal it and get back to me within 90 days. Today 90 days later I have not heard anything from them. I called them and asked for an update and there was no record of my appeal. They said I can not appeal the decision unless I have new proof. I told them XXXX will not call me back, and I can't get any proof ( The return was late due to the return area gate was down ) XXXX will not acknowledge this.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$190.00} Date of XXXX
Product: Student loan

was forced to recertify income but just found out I was not required to under the corona virus waiver.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I want to let you know about a problem with my credit report. There are mistakes in the information about some accounts ( XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. ). Even though I tried to fix it with the creditors, the issue remains. I spoke to a representative, and they admitted there was an error. They said they would fix it, but I'm concerned it hasn't been updated yet. I hope you can help sort this out.
Product: Bank account or service

I made a P2P transfer from my CapitalOne360 checking account, using an option available on their online banking website. CapitalOne360 asked me to provide the recipient 's email ID ( and, that 's all! ) : the way it works is, according to them, the money will be transferred through " XXXX '' network and will be immediately deposited to the account connected with the email ID I gave. The intended recipient has an account with XXXX XXXX XXXX, and the email ID I entered is connected to that account. 

I made a transfer of XXXX dollars on XX/XX/XXXX. The money never reached the intended recipient 's account. He and I made a conference call with XXXX XXXX XXXX, they verified the email in fact is linked to his account, but no money ever reached XXXX. 

I called CapitalOne 360, escalated the complaint. But, I am told the terms of service I agreed was such that CapitalOne 360 is not responsible for any loss and that I should talk to the XXXX network that performs the transfer in the back-end. I called them, they said I am not their direct customer and that they can not help me. 

Now, I lost my money to some netherworld and CapitalOne blames me for using a standard P2P option available on their official e-banking site. They are not even willing to help me, bluntly saying the money should have reached the recipient or I should have already got my money bounced back. I asked them to give me the details of the recipient who actually got the money, since the intended recipient did not. They say, privacy rules do n't permit them. The CapitalOne360 senior agent to whom I escalated the complaint over the phone declined to give me a complaint reference number, saying complaints are identified by time stamp. 

This is my apartment rent payment due to the landlord. It should have reached him latest by XX/XX/XXXX. Now I am a defaulter. 

The intended recipient is XXXX XXXX ( XXXXXXXXXXXX ). This is exactly the email ID I used for the transfer. His phone number is XX/XX/XXXX. 

What are my options? Kindly help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Debt collection

The following agency is not bonded in the state of Texas, and can not legally collect debt.   Please remove form my credit repot and confirm that deb is not owed.
Product: Debt collection

I.C. System Inc., a collections company, has reported a debt to collect on my XXXX credit report on behalf of XXXX XXXX in the amount of {$200.00}. This account was opened on XX/XX/year>. The problem with this is that I didn't open this account, have no knowledge of this account, do not have XXXX XXXX service, and have not contacted this company for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I disputed nation wide recovery services and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX  finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain unauthorized inquiries that have appeared on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n, I am entitled to protection against any unauthorized use of my personal information, including inquiries into my credit report without my explicit permission. The following inquiries were made without my consent and needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our mortgage was bought by Ditech Financial, LLC. We have been trying to obtain a loan modification for the last four months and have been getting the run around since then. We have been assigned several representatives to work on our case. They have not contacted us to let us know where we are in the process. We can never get a hold of them when we call. We have been required to submit the same paper work three different times because they lost it. I am a XXXX vet currently serving in the Florida XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained 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 disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit card or prepaid card

My credit card is used in the same manner negative or positive since I began the account, now they informed me there was a problem with a payment I made electronically late so they decided to close my account. My position is I have not done anything new on my account so I can only figure this is Covid-19 related. After receiving a fraud letter XX/XX/XXXX, I reached out to them for a remedy to get reinstated. I was informed to prove I had the funds in my account on the day the money transfer hit the bank. I want to point out this same matter occurred in the past without any punishment I want to know why has the company taken action against me.
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 name : 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 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.