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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX that I have a 30 day missed payment from XXXX XXXX. I am unaware of any business dealings with this company and wished to dispute this information on my credit report. I tried to initiate a dispute online and was unable to access my report to due this.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666B : " A creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX.
Product: Mortgage

We refinanced our home and XXXX XXXX XXXX became our mortgage company. I made a payment to them on XX/XX/2020. I them received notice that Mr. Cooper was our new mortgage company. I started receiving emails and phone calls that my payment was never received! I made the payment to XXXX XXXX XXXX and they were going to transfer the money toMr. Cooper. I keep getting phones calls and messages that my account is past due! I have made all my paymentsandkeep getting harassing phone calls and emails
Product: Consumer Loan

I moved from XXXX to XXXX in XXXX of this year. BMW Financial Services failed to send me a billing invoice for my payment, even though I called, emailed and sent change of address through USPS. Because I did not get invoice, my payment was late by just over 30 days. BMWFS had my email, phone number, and all other contact info but did not bother to notify me of late status until it was too late. I disputed with the XXXX credit agencies but BMW refused to budge. My attorney stated that since they had always sent a statement that they have set the precedent and were required to continue to do so. Since they did not, then they are bound to remove the derogatory information from my credit report.
Product: Debt collection

I called XXXX XXXX at XXXX. I made an offer to settle an existing debt I owed. The lady I was speaking incredibly condescending and insinuated that I was morally bankrupt for not offering to pay the full amount. I expressed that I simply was looking to take care of my debt that I owed and would like to speak to a manager. I was then put on hold for 50 minutes. No one jumped back on the call at any point in time to tell me if I was still being connected. Just 45 minutes of hold music. I used a separate phone and called to ask to be connected with their FDCPA compliance department or a Manager. I was told they had no compliance department and no managers were available.
Product: Checking or savings account

Today I checked my chequings accounts and its XXXXXXXX XXXX XXXX which made no sense to me. I checked what caused the money amount to be in the negatives and saw a " Auth Reversal Expired '' by CASHSTAR GF. I contacted my bank at first to see if they could do something because Ive never had to deal with this before. They then told me to contact the merchant, which I did and they said they refunded me the XXXX XXXX originally. I originally purchased a card off XXXX giftcards for XXXX, the purchase failed but took my money, which was then refunded in the next XXXX days. Then I checked today as I said and I got charged by what seems to be another gift card company which I had not purchased anything from. I tried to contact XXXX but never heard anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th XXXX to tell you 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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX XXXX Alleged Late Payment Date ( XXXX ) : XX/XX/year> Creditor Name : XXXX XXXX XXXX XXXX  Alleged Late Payment Date ( XXXX ) : XX/XX/year>, XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1666b ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1666b. 

In accordance to the fair credit act this creditor has validated my rights under 15 USC 1666b. It states the consumer reporting agency can not furnish any account without my written consent. A creditor may not treat a payment 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



. Please remove and delete the above accounts in this statement.
Product: Credit reporting

I explained that revolving credit has a time frame. In return to my response, the reset date of all my debt was XX/XX/2013 versus a removal and an increase in my credit scores. XXXX XXXX XXXX : The final result was a verbal conversation with a customer rep from XXXX to inform them that all debt has to be erased on all revolving accounts due to being opened in XXXX. I have paid and it was not properly reported. The account is accruing interest, which is being reported, not the debt that was paid. Thus it requires removal from my credit report. Judgement : There is also a judgement listed as an installment account such as a car payment for an apartment with unfit living problems such as floor boards being uneven and imperfections in the carpeting. The XXXX XXXX XXXX had us sign a lease agreement for XXXX months to keep us locked in a higher rental rate to cover it 's XXXX quarter of the year. Thusly, I sent letters attesting the non legal nature of the lease under the Renter 's Rights. XXXX XXXX XXXX : The car with XXXX XXXX was bought under the XXXX law due to its previous accident being omitted from the XXXX reporting and battery not being replaced. I was not told it was a program or rental car by a previous company such as a rental agency. I discovered this due to the previous owners names recorded in the Blue Tooth Device. XXXX : The services were disconnected in XX/XX/2013 and I was still being billed. Advised the company to come and get the boxes, due to the status of my XXXX, I was not able to XXXX.
Product: Credit reporting or other personal consumer reports

To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofcognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a chat to Discover asking for a rate review as the rates kept increasing with no late payments or other negative activity. I didnt hear from them about the review but received a notice my account was closed. 

On XX/XX/XXXX I attempted the same approach via chat to inquire about reactivating my account. The representative stated they could not open again and I must reapply. She stated the primary cardholder closed the account. I am the only cardholder and I did not request it closed. 

I asked to file a complaint which she stated she did but couldnt give me a complaint # to reference. I have screen shots of the conversation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries To Whom It May Concern I am writing to formally dispute several hard inquiries that appear on my credit report from Equifax. I did not authorize the following inquiries : XXXX. XXXX XXXX XXXX Date : [ XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : [ XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : [ XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Under the fair Credit Reporting Act [ FCRA ], Section 604, companies are required to have my explicit consent to make hard inquiries on my credit report. I have never provided such authorization to the above-mentioned companies, and I believe these inquiries were made without my permission. As such, they are in violation of my right under the FCRA.

I kindly request that Equifax : 1. Investigate and verify the legitimacy of these inquiries.

2. Remove any unauthorized or fraudulent inquiries from my credit report.

3. Provide a written confirmation that the investigation has been completed and that the inquiries have been removed. 
If you do not resolve this matter within 30 day, I will consider further actions, including filling a complaint with the Consumer Financial Protection Bureau [ CFPB ], the Federal Trade Commission [ FTC ], or seeking legal remedies under the FCRA. 
I have enclosed copies of my credit report, along with my identification, to assist with your investigation. Please consider this a formal notice, and I expect a timely response in accordance with FCRA guidelines. 
Thank you for your prompt attention to this matter : Sincerely : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for an XXXX XXXX credit card and was rejected by Citi Bank. The reason they gave is that I have no recent loan payment information. I called them and explained, that the reason I have no loan payment is because I have no loans. I explained that I had previously called my credit bureau and they had told me that my XXXX XXXX and report were very good as I have no debt either. I have multiple credit cards and all are paid on time. However, the manager I spoke with at Citi said that it was their policy that they would only approve credit cards to those with loan payments. The manager also refused to flat out say that in order to have the credit card, I need to take out a loan but kept iterating that loan payments were necessary. This is a very predatory practice. I have a very good credit score and a very good credit report. It is very disappointing that XXXX XXXX lost a customer due to the unethical practices of Citi bank.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I contacted " Ally Financial '' both via email and phone regarding a hard inquiry that appeared on my consumer report dated XXXX. Despite my efforts, I have not received any response. Pursuant to the law, I request that they furnish me with the document containing my signature to confirm that they obtained my written consent for the hard inquiry.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 reporting or other personal consumer reports

I reached out to the creditor and made them aware of my identity theft, but the creditor took no action.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past XXXX days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX & XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX  XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported XXXX  % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX WAKEFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
I have submitted many disputes with Equifax to investigate XXXX who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however XXXX keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with XXXX showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). XXXX also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. XXXX reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- XXXX intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that XXXX have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach XXXX financials to discuss this issue, I was informed by XXXX that they do not own this account anymore and that now it's with a collection agency, but yet XXXX continues to claim that this is their account and continues to report my account fraudulently as charge off every month to Equifax XXXX 

4- XXXX fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- Equifax relies on XXXX to update my account, but Equifax never investigated XXXX to make sure that XXXX is reporting the correct information.
Product: Money transfer, virtual currency, or money service

I was using Robinhood and my account was abruptly restricted with reason I have contacted support multiple times with nothing but generic answers that are not helping my situation Robinhood as locked my account and my funds that I deposited and wont tell me how to withdraw or if they will send the funds that remain on the account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX 's credit department after receiving a letter indicating that my monthly statements were not being sent to my email. The letter prompted me to reach out to rectify the situation. I confirmed that my email address remained unchanged and was functioning properly. Despite this, I had not received any statements from XXXX. During the call, I explained my situation to an agent at XXXX, but when I attempted to verify my account, I encountered another issue : the security code needed for verification was not being sent to my registered phone number. 

After explaining this problem, I was transferred to several different departments throughout the call, but despite my efforts, the issue remained unresolved. No one was able to provide a solution to why both the email statements and security code verifications were failing, and by the end of the call, no progress had been made in fixing either issue. 

Later that evening, I received notifications from all three major credit bureaus informing me that I now had a balance on my XXXX credit account. This development immediately caused a decrease in my credit score, which was both unexpected and concerning. The sudden reporting of the balance on XX/XX/XXXX seemed out of place, as my billing cycle for this account is on XX/XX/XXXX, and my payment due date is on XX/XX/XXXX. This raised the question of how XXXX could have submitted my account balance information to the credit bureaus well before the normal reporting date, especially when I had reached out that same day due to communication issues. 

This sequence of events has caused significant confusion and frustration. Not only was I unable to resolve the issues with my account and the missing statements, but I am also now facing the added stress of a drop in my credit score, seemingly caused by a premature reporting of my account balance. Given the circumstances, I am seeking clarity and resolution regarding the premature reporting and ensuring that my account 's communication channelsemail and phone verificationare restored to proper functioning.