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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX 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 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 Experian to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many many complaints to CFPB regarding a XXXX XXXX XXXX XXXX and fraud in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX XXXX XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief. XXXX XXXX XXXX XXXX has already deleted that information. The biggest problem with XXXX XXXX XXXX XXXX is they label all complaints as duplicate without any explanation so a consumer can not respond. The Credit Reporting Agencies have recently informed me XXXX  XXXX XXXX  XXXX  is sending explanation in the mail. THIS IS NOT TRUTH FOR TWO REASONS! I would hope the CRAs are smarter than this. Instead of deleting complaints, XXXX XXXX XXXX XXXX could very easily answered, explained, and more importantly just spoke and said something in the CFPB complaint. The second reason is they dont send explanations but more request for more information. See attached. In addition to not explaining their actions, XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report and private information that led to a forged loan. NOW THEY WANT MORE OF MY PERSONAL INFORMATION??!! I dont think so! This is very simple, XXXX XXXX XXXX XXXX refuses to send valid permissible permission to access my credit report that led to a fraudulent and forged loan in my name. The reason they dont send it is because it does not exist. XXXX  XXXX XXXX XXXX sent a copy of an undated and incomplete application as proof. XXXXmagine if one of their clients had sent them an incomplete undated document.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : 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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit card or prepaid card

Back in XXXX, I made a complaint of Barclay 's over charging me for something I did not charged, and the company removed that charged of {$54.00} dollars, and change, plus XXXX for late charges, plus interest. I paid {$30.00} there after in the middle of XXXX ; and Barclay 's again sent me another bill for {$29.00}, plus interest for {$31.00}. My Bank processed for payment to be paid to them for {$31.00} for XX/XX/XXXX. My bank had it on file, and as by now today XX/XX/XXXX should've received that check, but instead Barclay 's is sending me due date for XXXX XXXX XX/XX/XXXX for again {$31.00} amount. This is non stop over charging me again, and again every month, and adding late fee, plus interest fees.
Product: Debt collection

8 years ago I rented a house in XXXX as I married a woman from the XXXX and waiting for her to come here with her XXXX kids. So for entertainment, I signed up with XXXX XXXX. I signed a form for items that I wanted with XXXX, They did not fulfill the contact and would not. So after a week, I told them I no longer want XXXX and had them come out an uninstall XXXX. I paid for the whole month, though I only had it for one week. 
After about 8-10 months, they started sending me bills and calling me. I told them several times that the contract was cancelled and they got paid for XXXX extra weeks that I did not use XXXX. This went on for three years. 

5 years ago, I got a call from my bank and asked me if I had authorized XXXX to take {$750.00} from my account. I told them know, that I knew nothing about it. I filled out some forms from the bank, had to cancel my debit/credit cards and get new cards. The bank got my money back from them. I just ca n't believe they can go into anyone 's bank account and steal money. It is amazing that the XXXX government allows them to do this. Very dangerous as many people have let them draw money to pay their bills. 
So now my money goes to a collect agency XXXX and they start harassing me. It also goes on my credit report. 
We live in a small town in XXXX and want to move XXXX miles XXXX of where we live now into a bigger town. It took us a month to get a house because as soon as a house hits XXXX, they are gone within a day or XXXX. We found XXXX, XXXX day after it went on the market. But because of XXXX we were told we had to pay them before we could get the house. Even though I do n't owe them money, I went ahead and paid it. Even though I paid it by credit card, that does not assure us of getting the house. They said it would take XXXX days for the card to go through. Then XXXX will send me an email that it was paid. The property management people said that they will consider it once they get the confirmation letter faxed to them that it was paid. So because of Money I do not owe, because of XXXX and XXXX We may have lost a house that we so need and want. Plus it will stay on my credit report for a year after I paythe money. How can this happen?
Product: Student loan

XXXX XXXX Naviant offered me the incomes based repayment plan in XXXX of 2016 of approximately {$260.00} federal/ {$43.00} personal. The income based amount was exactly the same as the amount already being paid. When XXXX was called to discuss this, as I could not afford this, they put me into deferment. Why is it not possible to obtain a monthly payment that is based on my actual income of my family of XXXX. Also after paying the payments on time for three years no traction was made toward paying off the student loan. I have since made a {$4000.00} lump sum payment from my retirement which they negatively reported on my credit. Please assist me into finding an acceptable resolution to my problem. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was shopping for a new vehicle and had reached to two local dealerships. On Saturday I contacted XXXX of XXXX and XXXX XXXX of XXXX. I contacted XXXX of XXXX that morning when I saw XXXX XXXX showing there was a hard credit inquiry from Fifth Third Bank. At this point I had not authorized any dealer to run my credit at any bank. I called Fifth Third that same day, XX/XX/XXXX and waited to speak to customer service. Once I finally got through the Fifth Third representative advised me that if there was an inquiry showing in error, because XXXX XXXX did not tell me anymore than that, I should call my bank for assistance. So Fifth Third although they were showing as the hard inquiry this rep told me to call my bank which is XXXX. So now I have a hard inquiry on my XXXX report from Fifth Third Bank that will be there for two years impacting my fico score. I would ike this hard inquiry removed as i did not authorize this credit inquiry.
Product: Checking or savings account

I responded to a direct mail invite code in XX/XX/2018 inviting me to open an account with Wells Fargo. If I were to perform 10 transactions per month of {$1.00} or more for 3 consecutive months. On XX/XX/2018 I received an email entitled " Update to your recent personal checking requirements '' which revised this offer, stating : " You will now be required to make 30 total debit card purchases/payments of at least {$1.00} each, posted within 120 days of account opening, no longer requiring 10 transactions of at least {$1.00} each month for 3 consecutive months ; we have extended the time period for you to make the 30 transactions. '' I'm including a screenprint of this email as an attachment. I complied to these new terms and conditions and performed over 30 transactions over {$1.00} within the first 90 days of account opening. I followed up via Wells Fargo 's secure email service to ensure everything was completed successfully and was told I was not eligible for the bonus because I did not complete 10 transactions per month for 3 consecutive months ( per the original terms, not the updated terms ). Email and Phone support personnel were not able to find record of this update to the terms of the offer, and did not have a means for me to forward this email. I did copy/paste the contents into their secure email service, but I was told I was still not eligible for the same reasons. Further, I was told that I can not have received such a bonus in the last 12 calendar months as an additional reason that I was not eligible. While I have received a similar bonus from Wells Fargo in the past, this occurred more than 12 months ago. My deposit accounts were closed more than 12 months ago as well. Further, the original materials sent to me did not contain a reference to this 12 month requirement, it was communicated after the fact via email, which is deceptive. I let it go at the time because I was aware that my last occurrence was more than 12 months prior. After over a month of following up by email and phone and being told ( incorrectly ) that I was not eligible for varying mixes of these reasons, it became clear to me that Wells Fargo did not intend to make good on their offer. I closed the account out. I'm disappointed by this behaviour.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025_CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. XXXX XXXX XXXX and Midland Credit Management XXXX. 

Thank you
Product: Checking or savings account

Throughout my many years of being a consumer with Bank of America, my checking account was charged extended overdraft fees on numerous occasions. Whenever incidents occurred, I called to complain. Some fees were partially refunded but, many were not. This caused me great hardship. I'm now learning that the bank 's practices were illegal to begin with. I'm currently going through my past bank statements. I see many occurrences and I'm just on years XXXX and XXXX. My overdraft fees doubled from {$35.00} to {$70.00} on numerous occasions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THIS SITUATION, XXXX XXXXXXXXXXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXXXXXX XXXX SEND ME FOR THOSE 2 ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX XXXX, THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY. 

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that I have disputes and settle disputes on three of my revolving credit cards as comments these comments need to be removed because I did not request any comments and there is no legal reason the comments should be on my credit report especially on XXXX because its a brand new car along with XXXX and XXXX so theres no reason to dispute these new cards they are manipulating credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

So I reached out to all three credit bureaus requesting that they send me information that verifies the bankruptcy. I also submitted a letter from the courts stating that they do not verify bankruptcies to anyone or any companies. Credit bureaus refuse to remove the public record information for my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late payment account was paid off as reflected by my proof. XXXX reported account was current and no past due. However Experian and XXXX does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. XXXX and Experian are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Payday loan, title loan, or personal loan

My payments have been approximately {$89.00} without the slightest wiggle room for any amount added to the balance strictly interest payments only. I have been faithfully paying that amount for 5 years no questions asked and the last four months I hit a terrible financial snag where I havent been able to make payments. 

Without my knowledge my auto pay was canceled, and my ability to make online payments was taken away. I tried to set up an online payment to be withdrawn on XXXX to make my account current by calling a representative from Wells Fargo but to no avail. At this point I feel Wells Fargo is pulling every necessary string to liquidate my account despite my faithfulness of paying every month for several years despite not having XXXX nickel taken off the balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very clear that XXXX  and Transunion are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX , SXXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an unauthorized hard inquiry attributed to XXXX XXXX, which I do not recognize. I promptly contacted the credit bureaus to dispute these inquiries and requested their removal ; however, they have refused to take action on my behalf. This situation is causing me significant stress and negatively impacting my financial standing. Additionally, I did authorize XXXXXXXX XXXX but it appears as a duplicate account on my report. I kindly request this entry be corrected to reflect the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor 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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5800.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I purchased a XXXX XXXX XXXX 2013 from XXXX XXXX dealership in XXXX ga little did I know they changed the agreement i.e. Or capital one because in the agreement it read 25 % interest as I was paying on time payments if XXXX a month I received a call about verifying my down payment and trade yes I gave them a trade a XXXX older model worth XXXX or more the XXXX was XXXX after there fees it went up XXXX or less paid it down to XXXX told them to pick it up the recalls on it got worse wind shield and sensor problems with engine light not going off ca n't get inspections!! It was a volunteer repo not a repossessed they got it listed as such incorrectly on my credit file and refuse to fix that part as well nor refinance or reduce the interest rate before I volunteered said come get it