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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX and Reporting Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Account # 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. 1681 section 602 states I have right to privacy.

15 U.S.C. 1681 section 604 Section A states a consumer reporting agency may furnish a consumer report 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 items of adverse 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 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

In accordance with the Fair Credit Reporting act XXXX, Equifax, and 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. Accounts XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX are in violations. 

According to 15 USC 1681i XXXX, XXXX, and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account XXXX Acct # XXXX has be verified as accurate and updated but yet hasnt updated status as disputed and XXXX has the account listed as open when its closed. Evidence provided below
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance : {$350.00}
Product: Credit reporting or other personal consumer reports

Passed 5 years equfax credit report has had passed account report some are delegency pass accounts these accounts was removed also noticed reatacted back to my credit file. I am identity theif file with federal trade committee which these companies report don't have valid proof of documents or amount owed these accounts don't belong .also notice my inquiry is high sine should has fallen off .company are running credit report without given permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests to have inaccurate information removed from my credit report which has been met with some success and otherwise resistance to remove all inaccurate information. There is incorrect personal information on my credit report, inaccurate account details that are not legally permitted to be reported the way that they currently are, and unauthorized inquiries. My credit report is not a game, and should be updated to reflect accurate information as required. Transunion also failed to conduct the legally required full investigation into the items that were disputed which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a home loan and was told by the bank XXXX XXXX Management services was reporting that my mortgage was still open and I was over 120+ days past due. I have never paid my mortgage late. XXXX XXXX  serviced my loan from XXXX until XX/XX/XXXX. They sold/transferred my loan in XX/XX/XXXX. I filed a dispute with the credit bureau and received an email telling me the dispute was resolved in my favor. I figured I would wait a few months and then followup with the bank to allow time for my credit score to reflect the changes. Fast forward to XX/XX/XXXX, the bank told me that my FICO report is showing Equifax reporting a 90+ days late payment in XXXX of XXXX. I paid to have my credit pulled to see the FICO report myself and sure enough it is there and it is also showing on XXXX XXXX as a 90 day late payment in XX/XX/XXXX. I am assuming somehow that month was overlooked by XXXX? I contacted FICO and was told they only report information that they receive directly from Equifax and cnnot edit information on the report. I contacted Equifax and I was told there is nothing to dispute. I contacted XXXX loan services and was told they would look into the issue. Then I received a letter in the mail that states " XXXX loans services does not grant courtesy credit corrections. Our records indicate that the loan is reporting accurately and no correction is required. '' This negative payment history is affecting my Equifax credit score and my FICO score which is inturn increasing my interest rate. Please see the attached documents pgs 136-138 shows negative payments marks under Equifax.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby assert my right to have these items thoroughly investigated and promptly removed from my report. It is my understanding that you are required to verify these items with the respective creditor responsible for their inclusion. Consequently, I kindly request the elimination of any information that the creditor is unable to substantiate. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence. 
Please ensure that an updated copy of my credit report is sent to the aforementioned address. As stipulated by the act, no fee should be charged for this updated report. Furthermore, I request that notices of any corrections made be sent to all parties who have obtained a copy of my credit report within the last XXXX months. 
Thank you for your attention and assistance in addressing this matter. Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES FROM THE FOLLOWING ENTITIES ON SPECIFIC DATES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent my identity theft report that was filed with the Federal Trade Commission and I have sent a copy of my police report to the credit bureaus. As the law indicates, the credit bureau shall take action to block and remove this fraudulent account from my credit report. There has been a multiple attempts of identity theft against me. Identity thieves used my personal information for their own benefit in order to obtain services with false pretenses. I mentioned the fraudulent account in my identity theft report and I will mention it here as well. The fraudulent account is CAPITAL ONE BANK XXXX XXXX and the partial account number that I was able to obtain is XXXX. Once I was informed of this fraudulent activity, I immediately placed a fraud alert with all the bureaus in order to prevent further fraudulent activities. Additionally, I requested from all the bureaus to remove the fraudulent accounts and inquiries that were placed on my credit report without my consent because the said account never belonged to me. I never associated with Capital One Bank before and as mentioned the account does not belong to me. I requested the account to be removed not just a simple dispute to be placed on a file that will eventually be useless. The consumer voice is important as well because the said financial institution used my personal information to open a fraudulent account to an identity thief. The credit bureau request an identity theft report filed with the Federal Trade Commission, and I was able to provide it. The credit bureau asked for a police report, I was able to provide it. Simply, I was able to provide all the necessary documentation requested by the credit bureaus in order to have this fraudulent tradeline removed from my report and yet nothing has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Change of Address Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my addresses to : Please update my name to : My only social security number is : My only and correct date of birth is : My only employers is : I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I 've been charged additional overdraft fees and I do n't understand Tcf practices. I have called and went into the branch several times to try and get help but it appears the people working for the company does n't understand the practices either. My online account never shows my end of day balance as negative however I keep getting charged fees. I have pending transactions they make me negative but I was told if I make a deposit before  XXXX  I would n't get charged fees. How am I getting charged fees for items that have n't posted yet? I have had this same issue before and I believe Tcf had practices that intentionally takes money from cudtomers. I was told it was a tool to help me and I 've done nothing but give my money to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following items should be remove asap. Please provide the documentation of the verifying process. 
The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX, XXXX # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX acct # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains
Product: Credit reporting or other personal consumer reports

This will make the XXXX time asking XXXX XXXX and XXXX to remove this fraudulent items from my report. I never had any account with the following leanders XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$640.00} Date Opened : XX/XX/2011 US DEPT ED XXXX Balance : {$2800.00} Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00}
Product: Credit card

Capital one Quick silver ..closed my account without warning l. just opened up the credit card account .in XXXX XXXX XXXX the account was closed .due to transaction problems Bein not aware... until.l called check-in on my credit score which now shows icapital one closed. My credit scores dropped Which name XXXX XXXX which does complete International transactio.. l l called check reason with capital one. Was restricted.. Whom recommends ldistroy my credit cards immediately. Capital one never gave me chance see what was reasons wasn never sent warning letters. In a very short time, This card was only used to decrease my credit. Scores rate which was {$300.00} credit line
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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

My daughter ordered some underwear using my credit card. For some reason XXXX has been charging my credit card XXXX every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only XXXX. Now I ca n't get my money back and I have paid XXXX on the XXXX of every month for nothing.
Product: Credit card or prepaid card

Hi, I disputed charges with Banana Republic credit card, and they are charged through Amazon and XXXX. These charges were dispute about two months ago, and I have periodically called Banana Republic as to where I can submit additional evidence to support my claims, and they told me they would contact me when they needed something. I also called last month asking the same question where I could send additional evidence, and they told me the same response. Today I called again, and they told me the disputes were favored to the merchant. I asked to re dispute, and for them to show me the documents that they received because I did not receive anything. Then, I asked them if AGAIN, if I could please send them information because I have not received anything through the mail, email, or phone calls. They basically decided the disputes against me without listening to my side, receiving my evidence, and not even notifying me of what they needed. Again, I've done my due diligence by reporting the charges and asking where I can send my evidence, and they told me the same thing every time I called. I am requesting the documentation they made their decision with, and to redispute the charges and credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a XXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX XXXX XXXX XXXX XXXX  lexisnexis all guilty and have lied to me on paper about what they have done.
Product: Mortgage

We have been struggling to make our payments for quite some time now. The CFBP was instrumental in helping to stop the sale of our Home in XX/XX/XXXX due to errors by the lender resulting in raising our payment substantially. We have not been able to recover from all the extra time and expense since that error. We made the decision to sell our home. It's been listed for several weeks now. We are confident it will sell as is our realtor. We have kept in touch with Mr. Cooper reps however they were non-responsive to our latest request dated XX/XX/XXXX in writing asking for a loan forbearance while our house is being marketed. We made a good faith partial payment with this letter however the payment was returned with no mention of the forbearance request.
Product: Money transfer, virtual currency, or money service

I was calling for help about my account was not working right and they called they self trying to help they helped me alright right out of XXXX {$200.00} withdrawal transaction need help trying to get money back into account please you should be able to see the transaction in the Cash app document in the app!!!!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Creditor Name : XXXX XXXX Account Number:XXXX Date of Charge Off : XX/XX/2023 Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely,
Product: Mortgage

My monthly mortgage payment is {$2000.00} due on the first. I pay it early every month on about the XXXX with an ACH, in the amount of {$3000.00} and almost every month they charge me a late fee of {$20.00}. I do this with XXXX other banks which are much smaller and they have no issues with it. This was last addressed by Synovus Bank in XXXX of 2022. Since then the have continued to do it and have not fixed the issues on their side and now own me {$140.00} through XXXX statement. 

I can send you copies of the statements where they repeatedly take the money in and out with not even the correct amounts and charge one or even two late fees. 

They have not responded to my phone calls since the XXXX correspondence. I have gone into the local branch and given them copies in XXXX and have not heard back from them either. 

I can't understand why this is hard for them to do or if they just don't want me to pay this down but I don't think it is done automatically as it looks like manual entries.