23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not recognized the reported XXXX XXXX XXXX. Debt collectors are bound by the FCRA, as well as the FDCPA ( Fair Debt Collection Practices Act ). They must be able to provide proof that I owe the debt. Collection Agency have not complied with FCRA not FDCPA practices. Their no actions had caused me to be denied personal loans and had continued to affect my credit scores. I hereby request this collection be immediately removed from my credit files. 

XXXX XXXX XXXX must be legally allowed to collect the debt and they must be licensed to collect in your state. 
They must be able to provide proof that I owe the debt. As of the date of this letter, this had not been accomplished. XXXX XXXX XXXX must be legally allowed to collect the debt and they must be licensed to collect in your state. 

As a consumer, I have the legal right to dispute the validity of any collection inquiry, or account on my credit report. The debt collector or TRANS UNION must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus ( TRANS UNION ) are required to remove the negative items from my report thusraising my credit scores. TRANS-UNION has continued to report reference collection notices, with a total disregard to applicable laws and regulations. {$540.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Product: Mortgage

I was in the process of a loan modification with  XXXX  in  XXXX  of  2016.  My monthly payment was  XXXX   w  no escrow account. I was approved and told I would receive  XXXX  per year toward the principal for next 5 years if  I  continue payments.  XXXX     2016 M  y m ortgage was sold to  Nationstar  and the modification continued w them. My payment is  XXXX  with an escrow account but the principal and interest payment is  XXXX .  Nationstar says I  'm not eligible for the  XXXX  principle decrease because the total payment did not decrease by 6 %. This is is unfair because they are comparing  XXXX  paymen nt w  no escrow with the new pa yment w a n escrow payment of  XXXX .  XXXX . (  XXXX  vs  XXXX  ). The 6 % decrease in payment is  XXXX  of  XXXX  which totals  XXXX  which is more than 15 % decrease  but Nationstar is  in disagreement with this fact. During the time of this situation I had a housing representative from from   XXXX    who worked fervently to get a definitive answer from   XXXX   XXXX  , they in turned dropped the ball and the rep. had to start the inquiry w them a second time and still no answer.
Product: Credit reporting or other personal consumer reports

Hi, my credit report has inquiries which I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX  Balance : {$920.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$3000.00} XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint number XXXX on XX/XX/2022 thru the CFPB against EQUIFAX the complaint included FRAUDULENT activity on my credit report with police report included and on BOTH accounts, EQUIFAX, came back saying accounts are verified & accurate & closed my complaint! 

I would like to remind YOU, EQUIFAX, YOU ARE BREAKING THE LAW! 

Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon MY consumer report being fair and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companies initial investigation that you were going to report this information.

Pursuant ro 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures and as a result of this, I will no longer be extended credit, and if this information is not removed I no longer want my information in your companies database.

Pursuant to usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness.

Pursuant to 15 usc 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did NOT ensure that this information is accurate, and you did NOT exercise your grave responsibility with fairness and impartiality. You took ONE side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy.

Pursuant to 15 usc 1681 a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, AND failed to investigate properly, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should NOT be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 usc 1681 a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 usc 1681a ( B ) - I am including a copy of my ID for proof of my identity & proof of residence These accounts need to be removed from my credit file IMMEDIATELY : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX this is on twice
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. COMENITYBANK/VICTORI was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit transactions have been reported and furnished without my consent and its mandatory that they keep my written consent and can verify that me the original creditor and natural person can verify the information. I was also never given my right to opt out As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX XXXX, XXXX XXXX Experian ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and Experian are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and Experian is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ).

UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYSICIAN BILL I XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AND XXXX XXXX XXXX XXXX DELETE THESE ACCOUNTS AT ONCE AND ALSO PROVIDE THE WRITTEN CONSENT THAT IS MANDATORY TO HAVE ON FILE ACCORDING TO YOUR DATA SHARING POLICY.
Product: Credit reporting or other personal consumer reports

O

n XX/XX/2025 I did all of these things. I printed out my latest credit report from online. I was able to print it out. 

THEN, I discovered that my credit score FICO score ( the ONLY thing that is visible to ME the CONSUMER, that my score is XXXX ) Upon closer inspection I noticed that I have XXXX anything wrong showing up on my report. 

MY REPORT SHOULD BE CLOSE TO XXXX FICO score. 

I tried to call EXPERIAN 's posted customer service number several times to discuss this issue and to NO AVAIL. I called the number XXXX. I was unable to get anyone on the phone line. They have engineered it now so that no one can get through to talk to anyone about their account! 

DO YOU THINK THIS IS FAIR AND LEGITIMATE AND LEGAL CREDIT REPORTING PRACTICES???????!!!!!!!!! 

I don't think so. I millions of other americans also agree with me on this. 

SO I have a HUGE probblem with not bbeing able to reach anyone on the phone line to be able to fix anything on MY credit report. A reporting companies who is constantly doing illegals things and ruining the lives of millions of americans. 

Also, I paid {$9.00} for a report. A report that was supposed to give me my XXXX XXXX report as well as my FICO Mortgage Score 's and FICO Bankcard Score. I have not received any of these reports, neither internally inside of my Experian account when I log in NOR in my email which is XXXX. 

So EXPERIAN just RIPPED ME OFF!!!!! 

I see NO REASON for me to now be in the XXXX credit score wise. 

PLEASE EXPLAIN THIS TO ME. 

BRING BACK JUSTICE TO THE PEOPLE. 

Urgently, XXXX XXXX XXXX : I need Experian to CALL ME TO XXXX. I need to resolve these issues please and now!
Product: Credit reporting or other personal consumer reports

Description of What Happened with Equifax I am filing this complaint because Equifax has wrongfully refused to process my dispute regarding inaccurate information on my credit report. 

I was personally affected by the Equifax data breach, which exposed my personal and financial information to unauthorized parties. Because of this breach, my identity has been compromised, and inaccurate, fraudulent, and unverified information has appeared on my credit report.

Recently, I submitted a dispute to remove multiple inaccurate accounts and unauthorized hard inquiries that do not belong to me. However, Equifax falsely claimed that I can not submit another dispute within 90 days. This statement is factually incorrect and a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ).

The FCRA clearly states that I have the right to dispute any inaccurate, incomplete, or unverifiable information at any time. There is no legal restriction that requires me to wait 90 days between disputes. Equifaxs refusal to process my dispute is an attempt to ignore its responsibility to maintain accurate credit reporting.

How Equifax Violated My Rights 1. They falsely claimed I can not dispute again within 90 days This is a direct violation of the FCRA ( 15 U.S.C. 1681i ), which mandates that Equifax must investigate every valid dispute within 30 days.

2. They have not provided valid proof of verification for the disputed accounts The FCRA requires them to obtain and provide actual documentation from the original creditors.

3. They have ignored the increased fraud risk due to the Equifax data breach Because my personal information was compromised in their breach, Equifax should be taking extra precautions to ensure the accuracy of my report rather than wrongfully denying my dispute.

4. They continue reporting inaccurate information Despite my dispute, Equifax has failed to remove false accounts and inquiries, which are damaging my creditworthiness.

What I Am Requesting I am formally requesting the following corrective actions : A full reinvestigation of my disputed accounts and inquiries, as required under the FCRA.

Immediate removal of any inaccurate, unverified, or fraudulent accounts from my credit report.

Documentation proving verification for any account that Equifax claims is accurate. If they can not provide such documentation, the item must be deleted immediately.

A written explanation from Equifax regarding why they falsely claimed I can not dispute again within 90 days.

If Equifax fails to correct this issue, I will escalate my complaint further by filing additional reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal action for non-compliance with federal law.

I expect a prompt response and full resolution of this matter.
Product: Checking or savings account

My navy federal account has overdrafted almost six times in 2024. I would always wonder how it overdraft when I rarely used the account. I reached out everytime and have to cover the overdraft fees still. 
Two dates these happened are XX/XX/year> XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and Transunion has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the account XXXX XXXX XXXX XXXX - REPORTED TWICE ON MY EQUIFAX CREDIT REPORT,
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Checking or savings account

On XXXX XXXX, XXXX, I opened a disputed debit card transaction. Since this time, I have sent four secure messages, and made multiple calls to check the status of the dispute. Each time, I have been told that it will be resolved within 10 business days. Since 10 business days have elapsed, I was told that the claim would be escalated and I would receive a call within 24 hours if additional information was needed. I was told this on XXXX/XXXX/XXXX and as of now have not received any calls from the bank regarding the status of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than XXXX. 
I owe less than XXXX for my car I own my home free and clear and it is valued at nearly XXXX My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX 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 Advertise promises.
Product: Debt collection

The law group filed a lawsuit against me through XXXX XXXX. I received the lawsuit in the mail and called the number to clarify and ask questions about how this can get resolved outside of court, which the letter suggested. The representative proceeded to try to collect payment from me without answering any of my questions and proceeded to cut me off and hung up the phone. I'm entitled to asking questions given that there is a pending lawsuit and there is nothing in writing that insinuates that the lawsuit will be dropped and debt resolved by paying this law group. They are disrespectful and their practice is unethical. If you want to resolve a lawsuit out of court, you have to provide the terms and make sure the terms are understood PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
Product: Mortgage

Had a mortgage ( home equity ) Loan with US Bank. This since XX/XX/XXXX. XX/XX/XXXX I sold my house, the house that secured the note. I received a lien release and a letter saying it was paid off. A few years later I am in US Bank and have a casual with the bank president. He tells me the Line of credit is still open ( {$95000.00} ) ( minimum fixed rate of 6 % ) and that I should use it ... .I tell him I am unemployed and could not pay it back ... ..He tells me that if he did n't loan money to people who could not pay it back he would never make a loan! He insists I can use it to get over the rough spots ... .. and not to worry about paying it back ... ... well now the {$95000.00} is due ... .They changed my payments from {$350.00} to {$1300.00}. It is just a signature loan now ... .. 
This jerk enticed me to borrow the {$95000.00} from US Bank knowing full well I had no job .... 

Is there anything that can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 I sent out disputes to the bureaus pertaining to several accounts and 2 specific accounts that are just being updated but no changes. The bureaus are just updating the account as investigated but not providing any documentation pertaining to their investigation or providing their method of verification. XXXX XXXX and XXXX XXXX  show different last active dates and XXXX XXXX  have been re-aged by 5 years so if your are verifying these accounts then how in the heck are you and clear violation of the FCRA with all these inaccuracies and errors and not removing these accounts from my credit profile. Please remove these erroneous accounts from my credit profile immediately! Attached are the disputes and proof of my identity for authorization to investigate this matter.