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

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting or other personal consumer reports

Credit acceptance keeps running my credit repeatedly and I have hard inquiries that I didn't authorize. I need them removed.
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 right to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account Number # XXXX has violated my rights. 
XXXX XXXX Account Number # XXXX has violated my rights XXXX Account Number # 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 reports by more then seven years.
Product: Money transfer, virtual currency, or money service

I was reached out to by the United Student Loan Assistance Center on XXXX XXXX, XXXX. The company had told me that they would be able to consolidate all of my student loans and have a low monthly payment for a small cost of {$600.00}. However, I was not informed that this particular company was a third party company, nor that they were not a XXXX XXXX company to actually help me get where I needed to be. I was informed that this was the only way to consolidate all of my student loans to get out of debt. 

A few months later I was contacted by XXXX XXXX who have been nothing but amazing in helping me consolidate my loans with XXXX. Right now that is in the process of being handled correctly with no charge at all. 

When I tried to call the United Student Loan Assistance Center to ask them why they had charged me the fee of {$600.00} I was informed that it was to fill out the application for the loan consolidation. I then began to explain that consolidating Federal Student Loans was free the person I spoke with got defensive and provided slander against XXXX XXXX, which again have not asked me for a penny to consolidate my loans and the monthly payment will be based on what I can afford. 

The gentleman from United Student Loan Assistance Center began to say that XXXX XXXX just wants to get more money out of me, that XXXX XXXX are sales people and that is what they do, collect money from young people like myself who do n't know any better. Which then lead to the United Student Loan Assistance Center could give me a payment of {$0.00} a month to " pay off '' my student loans. I am still not understanding how I pay something off with a payment of {$0.00}
Product: Credit reporting or other personal consumer reports

Due to the Privacy Act of 1974 The laws I will post represent the Inquirys that must be removed immediately!! 
From all 3 credit profiles XXXX Equifax XXXX you can see that the XXXX dont match up So here are the laws! 


Hard Inquiries ( 15 U.S. Code 1602p ) from all 3 Late Payments ( 15 U.S. Code 1666b ) from all 3 Charge Off 's ( 15 U.S. Code 1601 ) means certificate of in debitness that means money So I need all these that are charged off to say paid as agreed Repossessions ( 15 U.S. Code 1601 ) I also see yall still have non mailable address on there they must be removed!!!

All this must be removed my credit should not have any inquirys or anything old on my credit that hurts it Also will send law suit if its not handled they owe me for all the times I got denied!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, 2 salespersons from XXXX XXXX XXXX XXXX, XXXX XXXX came into my home to do a XXXX system  demonstration with the intent to try and sell the system to me. After completing the demonstration, they offered me with 2 financing options through XXXX XXXX XXXX to purchase the XXXX system. The salesperson then asked for my, or my fiance 's social security number to " put it under one of our names. '' They said it is a " light inquiry '' that will fall off in a couple of days, and let us know that this inquiry was unlike an inquiry when shopping for cars where the credit is sent off to multiple lenders for approval. Without acquiring permissible purpose to pull credit via a hard inquiry, they submitted my information to XXXX XXXX, XXXX for credit purposes without making it clear to me as a consumer the nature of the inquiry.
Product: Credit reporting or other personal consumer reports

FCRA 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This collection agency has violated FRCA 15 USC 6802. I was never given the opportunity for non disclosure option in any shape or form. Not only is XXXX XXXX continuing reporting inaccurate information AGAINST MY WILL.This has completely violated of my consumer privacy rights when they allowed a 3rd party ( FMA Alliance ) to obtain my confidential personal information.This collection agency has engaged in false and misleading practices violating FDCPA 807 and providing misleading forms violating FDCPA 812.This matter has effected my privacy and cause defamation of my character. This Agency had repossessed my car violated my rights under 15 USC 1692F. When They released my information and privacy to a repossession company. This agency recently had been in a lawsuit for violating 15 USC 1692 F.I asked for this to be resolved by removing this negative remarks OFF my credit report with all 3 credit bureaus as I the " consumer '' have NOT authorized XXXX XXXX to report ANYTHING on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card offer that was sent to my email address and my name. i filled it out and then received a notice from that company denying me a credit card. Here is the issue..it was sent to my address with someone elses name on it ( my hisbands/my name combined ) it stated that my score was too low and that is the result.i have checked my credit score and my score is XXXX, not XXXX which is what chase bank stated. i contacted Chase bank by phone and after XXXX hours and XXXX people they stated my ss # is under my husbands name and that they can not do anything about it and said to contact XXXX XXXX. They have since ran an application again and i was denied again after i told them not to run it becuase it was false information. I have also went to the bank and explained the issue with my ss # card for proof that it is my number and they said to contact XXXX XXXX have letters sent to my home with our combined name and denial of card. I just want his name removed from my ss # they said they have no control over that. I am very unhappy and would like this corrected. I have tried to contact XXXX XXXX and it is a recoring only. i am unable to contect with anyone. they offer live chat and i waited for over XXXX minutes and no one ever responded. Please advise. Thank you
Product: Credit reporting or other personal consumer reports

I submitted a CFPB complaint on XX/XX/year> to ChexSystems regarding an inaccurate account with XXXX XXXX XXXX XXXX. ChexSystems responded on XX/XX/year> stating that XXXX XXXX XXXX XXXX verified the information to be accurate and complete. On XX/XX/year> I submitted a CFPB complaint asking ChexSystems to provide me a description of their reinvestigation procedure. ChexSystems failed to provide me with their reinvestigation procedure which is a violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which states that " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. '' Also a violation of 15 USC 1681i ( a ) ( 7 ), which states " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' I'm also confused as to how ChexSystems verified this account because I received a letter from XXXX XXXX XXXX XXXX and they didn't verify nor validate said account. Failure to remove this information will result in me seeking legal remedy.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 - FFAM360 is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sue this is a violation of the FDCPA.
Product: Credit card

I have had a Barclays View credit card for multiple years, always making my payment on time and in full. I have never been able to request an increased credit limit as Barclays requires a hard credit inquiry to do so. I do not understand why Barclays requires a hard credit inquiry when all other banks typically require a soft pull or no credit pull at all ( just income question ). This feels very unfair that the only way to increase my available credit with Barclays is to allow for a hard pull which will negatively impact my credit and therefore my ability to purchase a home, open new credit cards, apply for other types of credit, etc. This policy feels very unreasonable and the representative repeatedly told me that this is the Company 's policy and there is nothing that could be done.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), NCA ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), NCA ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

After a merger with First Midwest, I have been unable to access my bank accounts online for a week. I have tried three separate times to contact client care, have waited a total of 8 hours on hold, and have never gotten through. I never received a new debit card or an email prior to the merger about a different login process and had no warning that my debit card ( which i just received this month from the previous banking company, first Midwest ) and am not reading on the website that I can not use my old debit card and I have no new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Checking or savings account

On XXXX, I received an email stating that XXXX was sent via XXXX from my checking account. I called Chase to let them know that I did not authorize that transaction and I was told a claim would be filed and that I would receive a confirmation email. On Sunday I noticed that I still hadnt received the emailed and called chase customer service who stated she saw no claim filed in the system and that I would have to call back on Monday when they reopened. I called and filed a claim. They reversed the money temporarily. I received a letter approximately 10 days later stating that my claim was denied and that the money will be removed from my account. I called to dispute the claim and was told there was nothing else that could be done for me. I have banked with chase for over 20 years and this is the level of customer service I receive. I am very upset that chase allowed someone to steal XXXX of my hard owned money with no assistance of returning my funds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rights protected consumer rights to privacy and confidentially under 15 USC1681. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. I have paid this account as agreed, in XXXX I had to file the overage on my taxes which penalized me and yet this is still reported on my credit report as a negative account. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I paid it and I had to file it on my XXXX  taxes. 
XXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I had to file it on my taxed on XXXX XXXX XXXX, Acct # XXXX, has violated my rights. Same for this account. I paid it and had to file it on my taxes in XXXX XXXXXXXX XXXX, Acct # XXXX, has violated my rights. I have went to court three times with this company and they were a no show three times, the court dismissed the case. The currently keep switching attorneys and is harassing me. 
It is against my rights to have to file credit cards as income on my taxes. XXXX XXXX, XXXX XXXX and XXXX sent me information to place on my taxes and I had to pay taxes that year as they counted this as income. That is ILLEGAL.
Product: Debt collection

Portfolio Recovery Service written leters to dispute all accounts asked to send validation letter never got asked to removed them never did sent certified mail to them nothing in return got plenty of phone calls from them.I asked in a handwritten certified letter to validate the debts and they did not asked them to remove them since it was hurting my credit report nothing. They brought the debts from another company I dont owe them I might owe the other companies if they are valud.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Experian, XXXX of the XXXX major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Phone number : ( XXXX ) XXXX Birthday : XXXX XXXX XXXX Current Employer : XXXX XXXXXXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have already attempted to update this information directly with Experian but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. After reviewing my credit report, I noticed an inquiry listedunder your company 's name. I would like to bring to your attention that I did not authorize this inquiry, and I am requesting that it be promptly investigated and removed from my credit report. 

Below are the details related to the unauthorized hard inquiry : TRUIST - XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several loans with the Department of EdXXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/XX/XX/XXXXand there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Product: Debt collection

On XX/XX/2018, Wells Fargo ( phone number : XXXX ) contacted my employer.
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 XXXX has me at a score around XXXX. 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 transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.