23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me start by saying that unfortunately I have been informed of several financial institution breaches, compromising my social security number, date of birth, addresses and other personal information. I have since been monitoring my credit report. 

On XX/XX/2020 I sent a document ( see attached ) to EQUIFAX to ask them to remove the ( 2 ) negative accounts that I disputed, via CFPB. I received a court document dismissing the case. 

Per my credit monitoring service ( XXXX XXXX ) I noticed EQUIFAX had opened ( 2 )  investigations on two old account ( XXXX XXXX XXXX  and NOT THE XXXX  Accounts that I clearly requested!!!! with documents attached!!!!! 

On Friday XX/XX/XXXX XXXX am I called EQUIFAX to try and clear up another mess that they created!!! My call was answered by a lady who identified herself as XXXX, I confirmed with her that it was the XXXX Call Center, the rep sounded completely inadequate and may have been in training. I asked as it is my right to speak to a Supervisor and she refused asking me to hold. It was clear that there was a language barrier, and a clear indication that this rep should not have been handling any sensitive information.she returned to the line and disconnected the call that went straight to a survey. I did NOT sleep knowing that someone with this little training was handling my request and personal info, after all the breaches and compromises!!! Please help remove this off of my report. It is important to me to remove and clear my report for upcoming employment and access to health coverage. ( I am healing an injury ) I can not believe EQUIFAX botched this request up and may open an investigation on accounts not requested by me! ( this has lowered my score per my last check on XX/XX/XXXX. 

Please help me! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX Account # : XXXX - XXXX Account # : XXXX XXXX XXXX Account # : XXXX 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, credit repair services, or other personal consumer reports

I had inquired about an auto loan through XXXX XXXX XXXX XXXX to run a credit check however there are multiple other inquiries as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and have been charged late fees /payments on my credit report. Under U.S. code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information is erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX XXXX XXXX Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$1400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... Balance : {$410.00} ; XXXX XXXX XXXX XXXX 
Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX
Product: Debt collection

I started receiving numerous calls from this EAS ( EASTERN ASSET SERVICES ) attempting to collected on a {$300.00} payday loan which I borrowed back in XX/XX/2018, I Informed EAS that this debt was discharged through bankruptcy back in XX/XX/2018 and the representative threatened too file criminal charges for fraud stating I wrote a bad check & its a crime too dismiss this debt through bankruptcy & it would be in my best interest to pay EAS IMMEDIATELY So I did I pay them {$350.00} which immediately after I payed them I felt robbed because I knew this debt was discharged with my bankruptcy but I didnt want to have any problems or my credit score affected.
Product: Credit reporting or other personal consumer reports

In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. 

Per the CDIA 's definition of your verification process, XXXX XXXX XXXX is a web-based, XXXX XXXX COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.
Product: Credit reporting or other personal consumer reports

Experian as failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violates federal law and my rights as a consumer
Product: Mortgage

I received a call on XX/XX/24 at XXXX est. after authenticating I advised the agent I was in a rush and needed to expedite the process with setting the payment up. I was advised I could not set up a payment unless was between XXXX and XXXX of the month. I advised the agent I wanted to set the payment up for Saturday XXXX XXXX, she advised me that she would have to call me back on Saturday and put my information in her notebook. I would like to know why is my or anyone else information is being written down to be contacted at a later date. I requested a supervisor callback as I waited for XXXX minutes only to be advised no one is available.
Product: Debt collection

In accordance with the fair credit reporting ac XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that Wells Fargo provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX, VA XXXX RE : Final Request for Adverse Action Information Under FCRA 615 ( a ) Accounts ending in : 7222, 1448, 3898, 9759, 4826, 6740 and 4871 Dear Capital One, I am writing to make a final demand for the specific reasons behind the adverse action resulting in the closure of my account. I previously contacted your company and filed two complaints with the Consumer Financial Protection Bureau ( CFPB ), but I have yet to receive the required explanation.

Under FCRA 615 ( a ) ( 15 U.S.C. 1681m ( a ) ), you are legally obligated to disclose : 1. The specific reasons for your adverse action.

2. The name, address, and contact information of any consumer reporting agency or other third party whose data contributed to your decision, if applicable. 



This letter serves as a final opportunity to comply with the FCRA. If I do not receive the requested information within 15 days of your receipt of this letter, I will pursue additional remedies, including but not limited to : Filing a lawsuit to enforce my rights under the FCRA. 

Seeking statutory damages, attorneys fees, and other relief for your failure to provide the legally required disclosures. 

Submitting further evidence of your non-compliance to the CFPB and state attorney generals office. 

Please send the requested information to the address listed above or respond by email if further clarification is needed. I trust that this matter can be resolved without the need for legal action, but I am prepared to proceed if necessary. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Original Creditor : XXXX ( XXXX ) Account Number : XXXX Date of Last Activity : XX/XX/year> Status Paid/Settled with another creditor I am writing to file a complaint regarding an account that was previously reported on my credit file. The account in question was originally with XXXX ( XXXX ), and the debt was sold to another creditor. I have since paid the debt in full to the new creditor. I am requesting that the charge-off/collection status be removed from my credit report as a gesture of goodwill. 

I take my financial obligations seriously, and since resolving this account, I have been diligent in maintaining positive financial habits. The derogatory mark associated with this account is hindering my ability to improve my credit standing and reach my financial goals. 

I kindly request that Equifax remove the collection status from my credit report as an act of goodwill. I would appreciate your assistance in ensuring that my credit report accurately reflects the resolved status of this account. 

Please let me know if any additional information is needed. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

They are reporting a a charge off that already has been written off. which they are using for tax credit, a benefit on there behalf but not willing to send out the 1099-C that has been requested. This is what they are telling me " We are reaching out to inform you that we have confirmed with our accounting team that you can expect a 1099-C at the beginning of XX/XX/2025, unless installments are made towards the account, then your 1099-C date will be pushed to a later date. instead they are trying to collect again on something that they have already reported that it was paid/ write off.

Accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy ( 15USC 1681 ( section 604a section 2 ( it also states a CRA 15 USCS 1666b ) I didn't give written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX wiped out my account with a levy. The amount is XXXX. The date was XX/XX/XXXX. The debt is supposedly a very old credit card amount. 

I was never properly served. I called them and they said that they tried to contact me in XX/XX/XXXX. 

Midland 's phone number is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX - Account # XXXX In accordance with the Fair Credit Reporting Act. The above listed account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - Account # 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 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 reporting or other personal consumer reports

Im having things reported on my credit from agencies Ive never signed a contract with, or gave permission to contact me. And according to According to FCRA section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report to, also according to 15 USC 1681b2 Ive never gave WRITTEN permission to furnish these accounts to my credit profile. also, This is the first I've heard from these companies you guys reported on my credit, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following from the companies : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XX/XX/XXXX 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 


XXXX XXXX
Product: Debt collection

Contacted Credit Associates of XXXX in order to make a lump sum payment on the debt that I had with them. Spoke to a woman named XXXX who said that I could settle two of the accounts I had with them for amounts that were slightly less than what was owed. I asked XXXX if this would clear my obligation with them and was told that it would I also asked if I could receive a receipt regarding the transaction via mail or email which I provided to her the time of the conversation. I asked when I would see the removal of this from my credit to which I was told it would be posted on XX/XX/XXXX. On XX/XX/XXXX I left a message for XXXX requesting a receipt as I had still not received it but received no reply. I called again on XX/XX/XXXX and got connected to her to which I was told she would have an " XXXX '' send the receipt to my email which I never received. After checking my credit on XX/XX/XXXX I discovered that the supposedly discounted amounts that XXXX had given me on XX/XX/XXXX were reported to the credit bureau as derogatory and a collection/charge off debt owed which was not something that was disclosed by XXXX when the debt was collected. I called to speak to the supervisor and have yet to receive a call back. I have been unable to get any correspondence from them to date and was falsely led to believe that the amount I paid would settle the debt that I had with them which is a direct violation of the FDCPA which states that debt collectors can not use any false, deceptive, or misleading representation to collect the debt.
Product: Checking or savings account

I was having an issue with the Credit Karma debit card. I attempted to withdraw money from an ATM, but the ATM did not release any of my funds so Ive decided to report it to Credit Karma and they asked me for information about the transaction. I provided them all the information they need it for the transaction but credit karma is not helping me with my dispute process. They keep giving me the runaround said documentation is required when I already sent documentations. I really need help with my dispute and I really need help getting my money back from the broken ATM.
Product: Mortgage

I have a home equity line with bbva compass bank in XXXX Alabama and I had it for years with no problems. The bank suddenly decided to suspend my account and close it and force me to Pay back the loan over a restructured payment plan over 15 years. I am current on my payments and I was never late so I do n't know why they are doing this .the account was active and in good standing