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 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : DEPTEDXXXX Account XXXXXXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

have been disputing these items with these companies for almost a year! I provided police reports and asked for validation of debt ( signed contract ect. ) and they have YET to provide that but keep saying its on me! My identity was stolen! And Ive have proved them with everything I can KEEP disputing and they keep denying my claims. 

XXXX XXXX Is reporting that I owe XXXX credit cards and I dont even have a account with them the debit they say belongs to me in the amount of XXXX and XXXX and some change NEVER HAD THIS ACCOUNT and they REFUSE to remove this from my report and have YET to provide proof or debit BECAUSE THERE ISNT ANY! They just want to have someone to keep debt connected too! This needs to be removed it XXXX XXXX XXXX XXXX XXXX!
Product: Payday loan, title loan, or personal loan

Borrowed {$350.00} from Bigpictureloans in XX/XX/XXXX paid XXXX each month up to XX/XX/XXXX still have a balance of {$380.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX I am in disagreement with the account listed below which still appears on my credit report. 
XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX I inquired about services with TOMOBOOST and found it to be misleading and not what I needed. I contacted them on XX/XX/XXXX via email because the phone number that they have for customer service is a recording that says they are not taking any phone call and to try again later. I made XXXX attempts to contact them via telephone and to no avail. I then sent an email requesting to cancel the account within XXXX hours and they responded with a reference number saying they will cancel the account and is still billing me XXXX months later. ( XXXX ) They also reported to my credit file stating I opened the account in XXXX of which that is erroneous. I am requesting that TOMOBOOST refund me for the XXXX months of billing my credit card {$99.00} for XXXX, XXXX and XX/XX/XXXX and to remove the fraudulent information of my credit profile. 

TOMOBOOST phone number XXXX they never answer the phone and always have a message stating they are not accepting any calls and they can only be contacted via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union CRA is reporting an inquiry submitted by XXXX for dates XX/XX/2021. I did not authorize or give permission for XXXX to pull my credit for that date or any other date. Therefore, I am requesting that XXXX  to update their system reflecting this information and send to Trans Union to have this inquiry removed immediately.
Product: Student loan

The Federal Student loan shows multiple loan accounts for the same amount and duplicates on all of my credit bureaus accounts. The accounts are showing paid as agreed but there are at least XXXX repeat accounts. This reflects my reports and cause a negative score because it make it appears I have a high amount of accounts on it.
Product: Debt collection

As I was reviewing my credit report, I noticed that I have a collections that is not mine and it is affecting my credit score. I never got a mail, notifications or warning that this will be reported in my credit report. I already sent a dispute letter to the collection company and credit beauros.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, Transunion, and XXXX are reporting fraudulent information.
Product: Debt collection

In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered XXXX XXXX, XXXX ( XXXX '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for GE CAPITAL RETAIL BANK. 

I mailed a XXXX a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from XXXX XXXX, XXXX stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). XXXX XXXX, XXXX failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by XXXX XXXX, XXXX with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated as paid in full. I am requesting to please remove from the credit profile.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX  made a mobile deposit of a check {$300.00}. This check was deposited and available in my account balance yet chase had restricted my account on the basis they needed an phone number to be listed on the check that was verified by them. I called several times to give them several phone numbers and they rejected all of them on the basis they were not registered in their system. The check cleared was valid and did not get flagged it was verified it self as genuine yet chase wanted a number that did not exist. From this point I did not know what to do and waited. On XX/XX/XXXX chase closed my account and the statement said " DEBIT DDA - CHECK CHARGE '' I have read online from reliable sources that this means they confiscated my money and closed my account because the information they asked for was impossible to provide.
Product: Mortgage

I have a HELOC mortgage with Webster Bank my payments are due on the XXXX of each month. XX/XX/XXXX fell on a Sunday I called XXXX Bank and spoke to a representative she had informed me that because XX/XX/XXXX fell on a Sunday the payment was not actually due until the following business day which would be XX/XX/XXXX and she also informed me that the two day grace period is extended to XX/XX/XXXX, so on XX/XX/XXXX I called and made a payment so that I was not late. I was informed that I was not going to be late. On the following month, XX/XX/XXXX I  called on XX/XX/XXXX again because XX/XX/XXXX was a Sunday non-business day, to make another payment. I informed the representative I would like to make a payment but I will be using a new account number for payment because my old account had been compromised so it has been closed. She said OK she took my new account number and I made a payment so that I am not late. I was informed by the representative again that payment will not be late for XX/XX/XXXX because it is extended till XX/XX/XXXX because XX/XX/XXXX was a non-business day. Well lo and behold I received two late charges for XX/XX/XXXX and XX/XX/XXXX because I was misinformed by the representatives on the phone. I called to question the late charges and was told the information the representative told me was incorrect. I also was told that because of insufficient funds my XX/XX/XXXX payment was not processed. I was told that somewhere in the shuffle of account numbers they used my old account number which had been closed to make the XX/XX/XXXX payment and that they were sorry for that mistake. XX/XX/XXXX payment was made by Webster using my new account number and I was assessed another late fee because of their mistake. So there are a total of three late payments for XX/XX/XXXX and XX/XX/XXXX. I feel as if I was misled and misinformed by Webster Bank, therefore these charges should be reversed because they are not my fault
Product: Credit reporting or other personal consumer reports

I have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 



This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( Financial Institutions ). 



I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 



IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

an updated consumer report with inaccuracies removed
Product: Debt collection

I leased an apartment from a company called XXXX XXXX XXXX XXXX XXXX XXXX and vacated in XX/XX/2017. I had email correspondence with the manager whereby I asked them to draw any remaining money owed from my security deposit. That manager confirmed, I returned the keys and then never heard from the company for about 1 year. Then I got a call from National Credit Systems saying I owed all this money. They never provided any proof as to why I owed any money. They just berated me for weeks upon weeks saying I needed to pay. When I showed them the email correspondence with the manager and asked for any proof that I owed money, they provided nothing. Email correspondence is attached.
Product: Credit card

I referred XXXX XXXX to the Chase XXXX Ink card on XX/XX/XXXX. He signed up and was approved with a $ XXXX limit Upon referring it said I would get XXXX points. However, I never got those points. I want Chase to give me the points as promised at the time of sending the link and successfully referring my friend
Product: Mortgage

We did defiance with quicken loans. My inside company sent them both my policy 's and they only included one ins to our new mortgage. XXXX 2 months, I reaized it, asked me for recorded calls. They could n't find. So my payments that were suppose to e less are now, way over our head they had all XXXX during process. Is there anything we can do we are behind and in pro patio no period for a re modification to our loan, which they did n't I form we had this option till we were over 8months behind, refused my payment after I was to, d, as long as I paid before, the XX/XX/XXXX, I could.i called on XX/XX/XXXX to make payment, they would n't take it. All backpay or Nothing. Then after forclouser process was well rolling, they offfered the modification. When I feel should have been offered right away. Also the ins added an additional XXXX to our monthly payment which is crazy, as they had all the info
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one closed my XXXX account after I paid off My secured account with them TOTALY VIOLATED ME HAS I HAVE A PERFECT PAYMENT HISTORY that also said because I closed a account there not going to be reporting to the credit bureaus on my balance I pay every month, they said I can re apply however there going to take another hard inquiry against my credit NOT FAIR
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of an inaccurate item on my credit report that has already been removed from my credit files at XXXX and XXXX but is still appearing on my Equifax credit report. This inconsistency is not only affecting my credit score but is also a violation of my rights under federal consumer protection laws. 

The account in question is : Account Name : XXXX XXXX  Account Number : XXXX Date of Removal from Other Credit Bureaus : year 2024 Upon reviewing my credit reports, I discovered that while this item was removed from both XXXX and XXXX following a dispute, it still appears on my Equifax report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this statute, I have the right to dispute inaccurate or outdated information on my credit report, and the credit bureau must investigate and correct any errors within 30 days of receiving a dispute. 

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amended the FCRA, information on my credit report must be accurate, complete, and up-to-date. The continued reporting of this item after it has been removed by other bureaus is a failure to meet this standard.

Given that this item has already been corrected by two of the three major credit bureaus, I respectfully request that Equifax investigate this matter and remove the outdated information from my credit file promptly. This item is harming my creditworthiness and is an obvious violation of my rights under the FCRA and FACTA.

Please confirm the following : The investigation of this item in accordance with FCRA Section 1681i.

The removal of the inaccurate information from my Equifax report.

A copy of my updated Equifax credit report reflecting this correction.

I expect this issue to be resolved within the 30-day period mandated by the FCRA. Failure to comply will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for the violation of my consumer rights. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction.
Product: Credit card or prepaid card

In XXXX of 2018 I closed my discover account. I followed up with Discover around the end of XXXX to confirm my refund amount. The agent advised me I would receive a check in the amount {$480.00} after XX/XX/2018. I called today to confirm when my check would be sent and was advised my refund would only be for {$17.00}.
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 reports within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C.168.i, which mandates a reasonable investigation of dispute. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries related to this breach be blocked and permanently deleted from my credit report. 
Below are the accounts and inquiries I am requesting to be blocked and deleted : 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: Checking or savings account

On XX/XX/year> a transfer in the amount of {$XXXX} was requested from my XXXX by Goldman Sachs account to my personal XXXX  XXXX  account. On XX/XX/year>, this transaction was reversed. Upon communicating with the XXXX representative, they let me know that my funds were not eligble for transfer to the XXXX account due to the fact that they were deposited from a XXXX bank account. I informed the representative that the XXXX account had been closed and was not available to be utilized. The XXXX agent then verified with XXXX that this account was closed & let me know that the only option to retrieve my funds from my XXXX account was via check. When I asked how long it would be until the funds would be electronically accessible, there was no answer given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and noticed there were hard inquiries that don't have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times ; they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX # XXXX , Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Midland funding has continuously violated my rights as a consumer. Under 15 U.S. code 1692g in order for them to report on my consumer report they needed to validate said debt with me which never happened. I reached out multiple times requesting information. Ive also sent a cease and deceased yet still they are reporting on my consumer report. In my dispute letter to XXXX it clearly states If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me. 
this was XXXX of XXXX, its XX/XX/XXXX and XXXX is still reporting on my consumer report failure to validate I lawfully owe them anything. 

I will attach the letter I sent to XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. TransUnionXXXX 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, I do not recognize these inquiries and did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent XXXX a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX & with a lender called XXXX XXXX.