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

I got a MasterCard Credit Card when I moved from Illinois to Kentucky. I got it through SEARS.It was XXXX percent interest. I have not used it for the last 17 months. They told me I had to use it before XX/XX/19.If I  did not use it by then they would drop my credit limit from XXXX XXXX down to XXXX XXXX. This will effect my credit score. If I cancel it it will change my score, if they lower it, the same thing will happen. To me this is BULLING to make me use the card. I am a XXXX XXXX XXXX. I call this BULLING by CITIGROUP BANK. I can not understand how these BANKS can do this stuff to people.I think it is forcing me to use this card, when I do not want to or afford to. CITIGROUP BANK called me, after I put in a complaint the phone # XXXX XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX They did not solve anything. 

XXXX XXXX XXXX, Ky.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that, Experian collectively, the ( " Credit Reporting Agencies '' ) cease sharing my personal information with any third parties, including furnishers of information to credit agencies, without my express written consent.

Statutory Basis : My request is based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations : 15 U.S.C. 1681 ( a ) : This section emphasizes the need for credit reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy.

15 U.S.C. 16801 : This section declares the Congressional policy that financial institutions must respect customer privacy and protect the confidentiality of nonpublic personal information.

15 U.S.C. 1681 ( b ) and 1684 ( a ) ( 2 ) : These sections limit the circumstances under which credit reports can be furnished, requiring either written consumer consent or specific legal authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits credit reports from containing certain adverse information, including outdated criminal records.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits furnishers from reporting inaccurate information to credit reporting agencies.

15 U.S.C. 1681 ( e ) : This section requires credit reporting agencies to maintain reasonable procedures to prevent violations of the FCRA.

12 C.F.R. 1016.7 : This regulation allows consumers to opt out of receiving credit reports at any time.

Specific Concerns : Sharing of Information Without Consent : I have not provided any written or verbal consent for the Credit Reporting Agencies to share my personal information with any third party, including furnishers of information to credit agencies.

Reporting of Adverse Item : The report contains an adverse item that is being reported again without my permission. This violates 15 U.S.C. 1681c ( a ) ( 5 ) if the item is outdated or inaccurate.

Lack of Nondisclosure Option : I was not informed of my right to opt out of having my information shared with furnishers, as required by 15 U.S.C. 16802 ( b ) ( c ).

Requested Actions : Therefore, I request that the Credit Reporting Agencies take the following actions immediately : Cease sharing my personal information with any third party, including furnishers of information to credit agencies, without my express written consent.

Remove the outdated or inaccurate adverse item from my credit reports.

Provide me with information regarding my right to opt out of having my information shared with furnishers in the future.

I am enclosing copies of my credit report and any relevant documentation supporting my claims. Please confirm receipt of this letter and outline the steps you will take to address my concerns. I reserve all further rights and remedies available under the FCRA and applicable laws.

" A consumer may exercise the right to opt out at any time. '' I am opting out of Experian 's reporting service.
Product: Credit reporting or other personal consumer reports

I can't seem to comprehend on how these fraudulent and unauthorized credit inquiries got placed on my report, this is absolutely alarming. I never gave permission to these companies to access my credit report, it's a blatant violation of my consumer rights. This is making my life more stressful than it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 : I HAVE THE RIGHT TO PRIVACY 15 USC SECTION 604 SECTION 2 : A CONSUMER XXXX XXXX AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAT NIT TREAT A PAYMENT ON A CREDIT CARD OPEN END END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Vehicle loan or lease

Car loan is with Ally Financial we purchased a XXXX XXXX XXXX : Issues : 1 - I requested Ally to note my account that I would be paying my car payment bi-weekly. Yet we were bombarded with phone calls mid-month for the full payment 2 - late charges were added to the account after the bi-weekly payment 3 - When paying using Ally 's online system it would take weeks ( 2 to 3 ) before the payment would be taken from my bank account 4 - If the payment was called-in it would take weeks ( 2 to 3 ) before the payment would be taken out of my bank account 5 - Payments made through XXXX XXXX status of processing for weeks My mother and I are on the loan, I am the co-borrower. Unfortunately, my mother had to file bankruptcy. We received a Consent Order Modifying Automatic Stay and Co-Debtor Stay indicating that payment had not been made since XXXX XXXX and in order to keep the car we would be required to make monthly payments of {$960.00} from XXXX XXXX to XXXX XXXX. 

I contacted XXXX XXXX in XXXX requesting a payment history for all payments for my Ally account number. XXXX XXXX customer service first told me that the verbal request was all I need but when my mother contacted they required a form be filled out. We submitted the form on XXXX XXXX. XXXX XXXX questioned my mothers authority to request the payment information, we resent the form with both our information. 
We have yet to receive the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lease was ended early by XXXX at XXXX XXXX in XXXX XXXX, Texas due to 9-10 raccoons being in the roof which caused the roof to sink in with XXXX and XXXX. I was getting physically sick and saw a doctor 3 times. I called the Department of Environmental Health myself as XXXX at XXXX XXXX was not taking my claims seriously. The Department of Health did write a report that I have attached that there was XXXX and XXXX stains in the roof and even declared that it was all over the property making it hazardous as you will see in the documents ( they attached pictures but it was too big for this file, please let me know if I can send another way ). I had never paid rent late with XXXX at XXXX XXXX, I always paid on the XXXX of the month, and even when I was laid off due to COVID, I still paid rent on time, as I have always paid rent on time everywhere I have lived. I paid up until the day my lease was ended by them, XX/XX/XXXX, which was XXXX weeks short of a year with them ; I even paid the utility bill after it was sent to me after I had already left. XXXX at XXXX XXXX ended my lease and told me they would find me a new unit, and kept pushing the date back, and it went on for over XXXX weeks, knowing that I was getting sick and I wasn't sleeping. I was very scared for my health as the raccoons were getting more active due to the weather getting cooler. I decided to move to another place, and had no more obligation to stay at XXXX at XXXX XXXX due to the lease ending for apartment XXXX. I made a payment of {$420.00} to honor the days I was there up until the lease ended. 

XXXX at XXXX XXXX sent the amount for a full month of rent plus charges to a collection agency, XXXX XXXX international. 

I spoke to a representative, XXXX XXXX, at IQ Data International on XX/XX/XXXX who tried to insult my intelligence and became aggressively angry with me on the phone, and threatened that I would not be able to move on with my life as he was shouting it at me. After our call I notice an additional charge was added. I believe he tampered with the amount due to his anger and unprofessionalism.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account reporting as income on my consumer report. The account also is containing transactions & experience between the consumer and the person making the report, which is illegal. 15 U.S Code 1666b ( a ) Time to make payments 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

Credit Karma obtained my CREDIT BUREAU consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are in violation of the fair credit act FCRA codified at 15 U.S.C sub section : 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Credit Karma, Furthermore, I do not have an account as defined under 15 U.S.C 1693 ( a ) ( 2 ) with Credit Karma for review or collection.

Pursuant to 15 U.S.C sub section : 1681n ( a ) Any person knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under title 18, Imprisonment for not more than 2 years, or both. 

BY WILLFULLY VIOLATING THE FCRA, I am willing to settle the civil liability damages that I have suffered as a result of Credit Karmas violation, for {$4000.00} ( reported 4x- x {$1000.00} ) Pursuant to FCRA, sub section : 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C sub section : 1681n ]. Should they fail to refuse to settle the matter by tendering payment in the amount of {$4000.00} within ten calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00} per violation.
Product: Debt or credit management

In XXXX of 2022, I signed up with Derek Williams Law Group aka Infinite Law Group. They charged legal fees upfront. I have been making monthly payments of {$360.00}, and they have not settled any of my debt. I received an email from them saying they can no longer represent me because the federal government is suing them. I have been trying to get in contact with them to cancel and get back my {$4600.00} currently in the XXXX XXXX account. I understand the CFPB is involved in the law suit. I want to know what I need to do next?
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have reviewed my information and it is not up to date per FCRA and XXXX XXXX compliance reporting standards. If there are any discrepancies between this information and what is on file at your company, then there are problems with either your records or those who provide them to you. Because these two sets of rules must be followed precisely in order to maintain accuracy, I am requesting that you remove all personal information on file that does not match what is listed above. I also need you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX compliance criteria. In order to comply with FCRA and XXXX XXXX compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, has never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently. I will need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.
Product: Prepaid card

I attempted to use my gift card, but someone else made a purchase with it. American Express claims I gave the card to someone else, which is not true ; I have had the card in my possession the entire time. They refuse to issue a new card. How can someone else use this card without proper ID? 

I have investigated and found that the card was used at a doctors office. Please see the attached proof. I would like to request a refund of my {$75.00} as soon as possible. 

Thank you.
Product: Checking or savings account

My name is XXXX XXXX. My account was scammed on XX/XX/2025. I received a text message from a person impersonating to be chime. I also sent a screenshot showing that text message and my response. The text message stated that someone was getting ready to withdraw {$280.00} out of my account and I was asked is this you? I stated no I then received a text message stating that a representative chime will contact me shortly. So then I receive a phone call from a fake impersonator of chime stating that someone will take money out of my account around XXXX oclock. I was told then that they will walk me through showing me how to save my money from someone taken from my account. They didnt ask me to go to the pay section of my Chime account and had me single-handedly taking money out of my account transferred in increments of {$50.00} starting with {$150.00} to them they stated to me that they first have to take it all out, and it will be stored in some type of XXXX  that is untraceable money and once I take everything out, they would then put it all back and the situation would be taken care of from that point after taking my last XXXX  out of my account they then ended the phone call. And when I tried to call back, it was a nonworking number. This is when I then contacted Chime I was in the midst of working so I really wasnt focus 100 % To chime I really need money back in return I have real important things that I have to take care of. I put my trust in Chime to protect my money in my account and this is the second time I have been denied for something I had nothing to do with could you please research this case diligently so that I can get my money back and move on with my life please? Thanks, XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered a collection report on my credit file that does not accurately reflect my financial history. The collection entry is dated XX/XX/2023, and it pertains to an amount of {$5500.00}. Upon noticing this discrepancy, I took immediate action to investigate the matter further.

I sent a mail to " Columbia Debt Recovery LLC, dba Genesis XXXX XXXX XXXX, XXXX, WA XXXX. ( XXXX ) XXXX, XXXX '' requesting all communications be in writing, but I continued to get calls and emails from them. 

After carefully reviewing my records, I found no evidence of any outstanding debts or delinquent payments that would warrant such a collection report. I contacted the credit reporting agency to dispute the entry and requested verification of the debt from the collection agency. However, despite my efforts, the collection remains on my credit report, negatively impacting my credit score and financial standing.

Actions Taken : Contacted credit reporting agency to dispute collection entry.

Requested validation of debt from collection agency. 
Provided supporting documentation to substantiate my claim of erroneous reporting. 
I kindly request your assistance in investigating this matter further and expeditiously removing the inaccurate collection report from my credit file. Your cooperation in resolving this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( Nordstrom TD bank USA ) is reporting a balance of ( {$490.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$490.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Bank of America and all other Intermediary fiduciaries responsible for settling my debts in accord with UCC 9-307 ( h ) are in breach of Trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times over the course of the last 4 months, via phone and online to have 4 erroneous public records removed from my credit file. I disputed this information with Transunion as well as XXXX and XXXX. The other 2 credit reporting agencies removed the unverified public records and Transunion has not. I have also requested Transunion to supply written proof of the so-called debt/public records and they have not provided the information requested. Since they have refused to verify the information and the information has not been verified through the State, it is unfair to me. A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! No other credit bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me, especially when they do not and can not supply any proof or documentation that indeed this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF XXXX DATABREACH PERSONAL INFO WAS HACKED AND STOLEN I HAVE LETTER TO PROVE. THIS ACCOUNT DOES NOT BELONG TO ME AND WASNT OPENED NOR SIGNED TO AUTHORIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 I contacted transunion and XXXX concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have a child support showing on my credit. There are only two credit reporting companies that have not did showed me a copy of there investigation. Even after I sent a copy of the court order. XXXX has removed this. Experian and transunion still have not removed the child support from my credit. This is a big problem now.
Product: Credit card

Received letter from Wells Fargo thanking me for opening a credit card account with them. The letter also included a copy of my XXXX credit score. 

However-at no such time in the past nor present have I ever requested and/or applied for a Wells Fargo credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Transunion is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.
Product: Mortgage

Please see the attached documentation that I have filed multiple times. This includes all support documents and communication attempts. I attempted to clear this up multiple times in XX/XX/XXXX and XX/XX/XXXX. I am now applying for a new mortgage and attempted to clear this up again and filed another dispute with XXXX XXXX in XXXX of XXXX. The XXXX credit agencies have removed the negative issues from my file but I received a correspondence from XXXX XXXX on XX/XX/XXXX reflecting the fact that my dispute has been denied. As a result I am filing this complaint as I am not sure if they will report this negative findings again.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  account dont belong to me I have ftc report also police report and even paid the balance off its still on my XXXX credit reports please remove immediately