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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX # 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a 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

I was a victim of identity theft from XX/XX/XXXX- on or about XX/XX/XXXX. The fraudster initiated numerous credit inquires by using my social security number, address, and name. I disputed the accounts through Equifax but they were deemed valid. The following accounts are fraudulent and need to be removed from my credit history : **XXXX XXXX IS VALID** XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes. creit bureaus refuse to complay with the disputes and remove fraudulent and unauthorized inquiries causing negative information on my file and lowring my credit score
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an error with my credit card report. All XXXX  major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Reporting Act. This list of accounts below has violated my federal rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 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 a 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 or prepaid card

I made payments of {$1500.00} to pay down my balance on my XXXX CC so that my utilization would not show as high and raise my score. And what does chase do as soon as I pay off that amount?? THEY DROP MY XXXX CREDIT LIMIT SO MY UTILIZATION IS HIGH AGAIN!!! Im trying to buy a home in the next year and you are causing me financial harm not just now but FOR THE FUTURE!! Put my credit limit back where it was when I had this card!! Am I the ideal customer? No. But I called you all multiple times and told you my husband had lost his job and we were struggling to make payments. Even with that knowledge I made payments to you all anyway! You know what I couldve done with the money if I hadnt paid you all? XXXX XXXX! This is what the bailout money of XXXX did? Allow you all to crush the middle class working person who is down one income??? Had I known you would pull this XXXX I would not have paid that XXXX and would have just kept making the minimums!! Give me my credit limit back or give me my money back!!!!!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} )XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX ), XXXX XXXX ( Date Opened :, Balance : {$550.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following Inquiries in Identity theft. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Debt collection

I am receiving invoices from CBE Group but I can not find which charges they are in reference to. I have paid some charges directly to the US Department of Veterns Affairs and they are very slow in applying money to the proper accounts. Their billing system is very slow. And then when I receive statements from CBE there is no reference to which VA billing statement these charges apply. 
I am still paying VA invoices that I receive for medications and office visits. How do I know if I am double paying my charges? This is unacceptable. I need reference to which invoices are being covered by the CBE Group. 

CBE Invoices in question : Ref : XXXX XXXX I would also like to get the Administrative Charges erased from these invoices. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

Ive had a few issues regarding payments that I didnt authorize. When I file a claim I never hear back about a resolution.
Product: Checking or savings account

On XX/XX/19 my on-line in child support information was compromised and money was stolen from my account with my knowledge. I didn't realize the money was taken until XX/XX/19 when I went to use the card and check my balance. XX/XX/19 I filed a dispute with XXXX service and was told the investigation would take 45 to 90 days to resolve. Over the 90 day period I periodically checked on the dispute. At the end of XXXX I recieved a letter stating I wouldn't be getting my funds returned and I need to take the case up with my local law enforcement agency. I initially did that in XXXX, but didn't hear from anyone after I filed the fraud report. So it's XXXX and I'm following up with the original case with the detective who investigated the fraud. I was told that the XXXX lives in Maryland and I would hv to go there to sue them. I hv tired to reach out to PNC bank on several occasions about this issue and there customer who stealing money but can get any help because I'm not a customer with there bank. I do understand what they're saying, but the officer didn't gv me a name of whose account my money was transferred to. He just gave me the state location which is Maryland ( no city ) which by the way I live in Georgia. So now I'm stuck calling different agencies and getting help from Legal Aid and still can't recover my fund. {$1200.00} is a lot of money to me and it's sad that people dont care whether they stilling it from your children or whomever. I can't even let my child money sit and accumulate on his card for him to utilize because of people like this ( who chose to hack accounts and steal money ). But I'm hoping I can get this situation rectified soon cause this is really starting to get to me. If I hv to go to Maryland to sue that person that's what I'm gon na do, but I wish the agencies that handled fraud and the police departments would do there jobs more thoroughly this is ridiculous ... I need my childs money back. If you hv any other suggestion please contact me. I'm going to continue to pursue this until it right. I dispise cheaters, liars, and thieves ... their a the same and should be working for any government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit dispute with XXXX XXXX was submitted to Experian on XX/XX/XXXX. Experian 's web site for credit dispute status reflects my complaint with an estimated completion date of XX/XX/XXXX. To this very day, the status still indicates pending and I was never notified of the results. I called Experian today and spoke with XXXX ( ID # : XXXX ). XXXX informed me the investigation was completed on XX/XX/XXXX and could n't explain why Experian 's web site still indicates the investigation results are pending and why Experian failed to notify me of the results.
Product: Checking or savings account

My Sofi account had been restricted on XX/XX/XXXX, I had called multiple times and no reasons were given for restriction. Called today, XX/XX/XXXX spoke to a security member and was told my account was in process of closure and that my money would be sent to the originator, which they could not tell me where that is. When asked to speak to a supervisor I was told no one could be able to help me out and that I should call back later on. This account has all my money in it and the security member pretty much had told me I would lose it all. I am confused as to whats going on because of the fact I am in the dark about what is going on with my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please review and process the attached identity theft document regarding XXXX XXXX XXXX XXXX from my understanding, this account should be removed from my credit report within 4 days. 

Also, I've request to have unauthorized inquires removed from my credit report as well. ( attached to identity theft report ) Lastly, regarding XXXX ( XXXX ), XXXX - could you please update my credit limit to {$6000.00}, as its showing incorrectly on your platform- I've reached out twice to get this updated and you've requested that I contact the company, which I've done so and this still have not been updated. Please get this updated as this is affecting my credit report and score.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2022 my brother transferred money through the Cash App website mobile app. 

I was locked out of my account because they said the PIN was incorrect. I have did everything that they have asked me to in order to regain my access. Their instructions are still not allowing me to get the funds that were transferred to my account. 

This was an emergency transfer and I can't believe that this company is not trying to assist. More importantly there is never anyone that we can speak with. This type of customer service is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX and collection service of Nevada. They have issued documents to for collections on night issue with XXXX XXXX XXXX XXXX XXXX live Nevada has not responded to my CFPB request.? XXXX XXXX in collection service of Nevada has illegally process a collection process. I have 4 other disputes West collection service in Nevada and they have not responded with the CFPB. I'm calling the CFPB to make an issue about collection service under that are not responding to the XXXX XXXX frame.
Product: Credit card or prepaid card

On XX/XX/XXXX, your credit limit was reduced to a total of {$200.00} based on information provided to our Bank by the credit reporting agencies. A letter was mailed to you on XX/XX/XXXXto notify you of this change. If you have any questions regarding the information in your credit bureau report, please contact the credit bureau directly with the information provided on the letter. 

I never applied for an increase so the nothing should have been reported from any credit bureau. I never agreed to having a credit limit of {$200.00} and would like my card increased back to {$300.00}.
Product: Mortgage

Good Morning We just did a streamline with XXXX XXXX with Guaranteed rates and the one reason why we did a refi was we didn't like XXXX XXXX and when I contacted XXXX she said they don't deal with XXXX XXXX and my loan would never get transferred to there bank. Now we justgot a letter in the mail last week and guess what we have XXXX XXXX. Also I couldof got a streamline loan with XXXX at that time at a lower rate and less money down and XXXX also knew this too. So this company took advantage of us and made us spend more money to to wind up with the same Lender we had to begin with and don't want!! Is there anything I can do to sue this company? 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 around XXXX XXXX  CDT I contacted Capital One to inform them the attached account number ( XXXX ) as an account unknown to exist to me had a statement reach my home ad

dress via US Mail and had my name listed as the account holder. Capital One through the course of a two hour phone call and several transfers between departments came to realize that the account in question ( attached statement ) did not have my social security number associated to it. Instead it seemed to be another member of my household 's account as their social security number was associated to it. I was told on the phone that I was not responsible for the account and that I should instruct the member of the household to pay said account. I was also told that I would not be responsible legally or on my credit report for the delinquency of the account. 

On XX/XX/XXXX I became aware that my XXXX  credit report was showing a serious delinquency on the account in question despite not being associated in Capital One 's system as under my social security number.
Product: Checking or savings account

signed up for a citibank account on XX/XX/XXXX under a promo to receive {$400.00} for setting up a direct deposit and maintaining {$15000.00}. Met the conditions but citibank isn't paying the promo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 4 to 5 weeks, my bank and I have been working with Equifax to get my credit report from them. After about the 7th call, they finally admitted to me that they deleted my information. I have sent legal documents of identification to them, had my creditor send them info again. Yet still, they claim I don't have credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : XXXX XXXX XXXX XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 XXXX XXXX XXXX XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations 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 dispute 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 Experians inaction violates federal law and my rights as a consumer.