23daVinci/CFPB_Complaints huggingface dataset:
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 168b permissible purposes of consumer reports. 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. 


Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain personal information in my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), I understand consumer reporting agencies may furnish consumer reports only under specific conditions, including obtaining the consumer 's written consent. 

I have NOT given written consent for XXXX, or Equifax to furnish my information for XXXX XXXX XXXX account # XXXX. 

I request that you immediately investigate and remove any personal information that has been included in my credit report without my explicit written consent on this above account. 

Please confirm, in writing, that you have removed this unauthorized information and provide me with an updated copy of my credit report. 

Thank you.
Product: Credit reporting or other personal consumer reports

This account is invalid. SOFI BANK, NATIONAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 



SOFI BANK, NATIONAL XXXX
Product: Debt collection

I am not sure why CITI bank has robo calls asking me for making me pay my credit card ending in XXXX, but this is the only credit card I get these calls for. Every month most of my credit cards go past the credit limit, but I have NEVER missed a payment. I always make my payments each month and have never had any late payments in my life. I have asked them before to stop calling me about asking to make a payment. I always make a payment. But they do not comply. I do not give them authorization to call me and ask me to make a payment. My payment is not due until the XXXX of every month so I don't understand why I am getting calls for CITIBANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that i have disputed. Please resolve the manner as soon as possible. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681. 

XXXX XXXX -- XXXX, XXXX XXXX XXXX -- XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX -- XXXX, XXXX XXXX -- XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 A In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : # 2 In accordance with the written instructions of the consumer to whom it relates 623 A # 1 A Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute was submitted to Equifax LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for XXXX XXXX XXXX  account Account # - XXXX. The account is paid in full. Documentation to include payment history, statement, and letter from the company stating the account was paid in full.
Product: Debt collection

AWA collection Company has a collection laced on my account and I do not have a debt or account with this company. They are collecting a debt that was purchased from the company XXXX XXXX XXXX. I do not owe a balance with XXXX XXXX XXXX The purchase of a debt from another company is unlawful especially when I do not have an account with AWA Collections nor do I Owe a balance. I am requesting the removal of the AWA collection reporting on all credit bureaus. 

AWA COLLECTIONS can be contacted at XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

Chime aka XXXX told me when I had disputed a transaction for {$120.00}. That if a resolution had not been reached by XXXX that they would issue a credit for the full amount. 

They have yet to finish their investigation and flat refuse to issue the credit they've promised me. I have contacted them a dozen times asking to speak to a supervisor, flat out begging them to honor their word. And nothing. I had budgeted my bills on their word now I have to go without food just to keep the electric on. Nothing I say has helped. They always just say they're sorry and they understand my frustration. 

Please help me... I'm hungry and really need this money I didn't authorize its removal from my account. 

Thank you.
Product: Money transfer, virtual currency, or money service

In late XXXX/early XXXX I reached out to PNC regarding this issue. I explained that any application that requires me to link my PNC account would not work ( example : XXXX, XXXX, XXXX, XXXX XXXX, XXXX ). I obviously do not use all of these applications but tested it on all of them and they failed. Now if I hadnt already been able to link my account and start using them this would not be an issue BUT I am using XXXX and possible. These applications can affect my credit score. Every time I reach out to PNC they refuse to acknowledge the issue is on their end offering little to no help. No other bank has this issue.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and FICO scores from all 3 major credit bureaus Experian, XXXX, and XXXX. All 3 credit bureaus have the exact same accounts and credit history. They are all reporting the same information to lenders. XXXX is reporting a FICO score of XXXX which is an excellent credit rating. XXXX is reporting a FICO score of XXXX which is a good credit rating. Experian is reporting a FICO score of 590-630 which is a Poor/Fair credit rating. There is a difference of almost 150 points on XXXX FICO score. Most lenders use Experian to extend credit to consumers. Therefore, this gives lenders an opportunity to charge consumers more money in finance charges and interests. Lenders are aware that Experian have inaccurate and outdated FICO scores. Therefore, the consumer is victimized and taken advantage of ... According to the Fair Credit Reporting Act, this is an illegal practice. Due to Experians inaccurate FICO score, Ive been declined for credit opportunities and charged more money for financing.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Since XX/XX/2018, XXXX  has failed to post and credit my automatic payments and any other payments to my account even though they debit the money from my bank the every next day. Ive called several times to get this corrected but that hasnt happened. 

In late XX/XX/2018, I noticed that my payment was not credited after over a week and called XXXX. The employee told me my payment would be on hold for another 7 days and that he would not credit my payment sooner unless he called my bank with me on the line proved I actually made the payment. He asked me for my bank info and joined the calls. I became suspicious because after he yelled at me for hitting the button to bypass the prompts to speak with someone, and said I should have let him hear how much money I have. On this same call I asked him why he didnt answer when I asked him if he needed to verify anything else while on the call with my bank and he told me he didnt answer me because it was illegal for him to have done what he just did. 

Each time I called back the CSR has told me they want my bank info so they can call my bank and listen to prove the check actually was paid by my bank. I repeatedly told them I already know my payments clear the next day after theyre paid and that we both already have proof of it. I also asked why they were doing this and was told they dont know and that it might be a system glitch. 

The most recent CSR put me on hold for very long periods and while holding I read my credit card agreement. When she got back on the line I told her I see they are in breach because it states they are to credit payments the same day as long as its made by XXXX, or the next day, if its made after XXXX, then she asked me to hold again hung up on me. I called right back and they next CSR apologized and said she noted the inappropriate behavior of the prior agent and would help me, while she was talking someone hung up the phone again. Ive called back several times and each time someone disconnects the call. 

Ive attached a screenshot of the XX/XX/XXXX additional payment I made on top of my automatic payment and as of today, XX/XX/18, it still has not been credited to my account ( do not post this attachment publicly ). Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has my old account listed as " Check Fraud '' with Early Warning Systems ( EWS ) '' preventing me from doing anything of importance with financial instuitutions. I contacted XXXX XXXX XXXX, XX/XX/XXXX, where I spoke to fraud, atm fraud, account closures and other departments to get the information I needed to prove my case. 

After several blind transfers, 4 hang-ups and the rudest supervisor I had ever spoke to with a condescending tone and very nasty attitude towards the situation, I was not able to get anywhere. I disputed the information with EWS in which they were able to prove something I was not, and I am involved. 

I stated that in XXXX, when my account was negatively impacted, XXXX advised me to get a police report for the incident, but at the time, the police station stated that in order for me to file a report, I needed " evidence '' of what happened and something showing who was actually involved. XXXX  had this information but refused to release anythign to me. So, at that time, I said " forget it ''. XXXX was to do a " PROPER '' investigation in which they would have seen I was not responsible for anything negative regarding the account. XXXX failed this investigation and just labled me as the " accused '' because it was " easier '' but not factual. 

The account actually closed because there was an " electronic '' deposit that wasn't real. I had no way of doing this. How can I, a non-hacker without any hacker access, be able to ELECTRONICALLY deposit money that was never there? I have never been able to do this, and if you look at my banking history, it shows the same. 

XXXX  is now know to be the worse bank for the general consumer. They have screwed a lot of people 's files because of their lackadaisical internal processes that only helps the bank or their top dollar consumers. 

This just isn't fair, and I need advocacy. I'm starting here after failed attempts with XXXX  and EWS. Then, I am writing the attorney general, and last, I will use my own attorney for a civil dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX  XXXX auto finance when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX  should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXXXXXX XXXX  dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX viXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit card

Discover Card refuses to remove a double billing. 

I made a reservation with XXXX to stay with XXXX XXXX and XXXX in XXXX XXXX  on XXXX XXXX, 2024, they immediately billed my Discover Card for {$150.00}. 

I checked in the XXXX XXXX in XXXX XXXX  on XX/XX/scrub> 2024 with my Discover Card to cover incidentals. Upon checking out on XXXX XXXX, 2024 XXXX XXXX refused to give me a final statement. I later learned that they charged me again for the room for {$130.00}. So, I was charged XXXX  for the same room for the same night. 

I filed a compaint with Discover Card. They processed both charges for review and Discover Card refused to remove XXXX or the other of the charges. 

In the past Discover Card had always been customer friendly and helpful. But, since XXXX XXXX bought them they are very unaccomodating on customer service. 

I can't explain the difference in the amounts, but the fact is they are charging me XXXX  for the same night stay, and Discover Card refuses to make it right. I don't care which one they remove, but XXXX of them must go away.
Product: Money transfer, virtual currency, or money service

I have not done business here personally but I have accompanied friends who have. The staff is rude, and I believe their CEO is divulging too much personal information on XXXX 's public reviews page.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all inquiries related to the breach be blocked and deleted from my credit file in accordance with XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
The following inquiry should be blocked and deleted : XXXX XX/XX/2024 As this inquiry resulted from unauthorized access due to the data breach, I request its immediate removal from my credit report. Please provide written confirmation once the inquiry has been removed and supply me with an updated copy of my credit report.
Product: Credit reporting

Equifax is listing accounts that are closed as open, this is an intentional act to assist with keeping credit scores low. After disputing items on my report with Equifax they intentionally changed the status of these accounts to open causing my score to drop by over XXXX points. The accounts that are being reported incorrectly are as follows, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX accounts. By putting the accounts in open status it affects your credit score. For instance why would a collection account that has been closed and paid be reporting as Open. This only changed to open after it was disputed. Equifax is attempting to intimidate people that challenge information on their credit report. Equifax is also reporting a judgment as pending with out the date of filing, they are failing to report a tax lien that was released as released it just shows no status. I have also noticed that the reports that they send you is different then what credit monitoring services have on file as your report. I intend to start litigation against Equifax for this bold and malicious behavior if not corrected asap.
Product: Debt collection

Refusing to provide any proof of me owing debt. Refusing to let me dispute the debt. Refusing to let me speak with a supervisor. Assuming I owe the debt because I thought it was for a diffrent company. Lying and saying I admitted to owning the debt.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I have become a victim of identity theft and I have found numerous credit inquiries, I have no knowledge of ; Here are the inquiries I found : 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 XXXXXX/XX/year>.
Product: Debt collection

Resurgent/LVNV FUNDING Acct # XXXX Resurgent/ LVNV/FUNDING Acct # XXXX I am unaware of these debts. I did not have the opportunity to dispute. I did not receive proper notification. If you believe I received proper notification please provide certified receipts with my signature on there stating I received it.
Product: Mortgage

I received a letter in the mail from Rushmore Loan Management LLC claiming that I was delinquent on my XXXX trust loan. They demanded that I pay all past due amounts -- there are none -- and sign up for their automatic withdrawal. ( I send the payment via XXXX every month on the due date, and it is received by Rushmore that day. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX {$1300.00}
Product: Credit card or prepaid card

On XX/XX/2021 my Economic Impact Payment Prepaid Debit Card was sent out to my address. I never received my card nor had possession of it. On XX/XX/2021 I contacted XXXX  regarding my EIP Debit Card. I was notified by the representative that my card had been activated and used from XX/XX/2021- XX/XX/2021. I immediately filed a dispute with them regarding the unauthorized transactions for the amount of {$5600.00} and was told by letter that my claim was denied and closed.