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

I received a letter from a financial institution on XX/XX/2020, stating I was denied for an auto loan based on a credit inquiry to Experian on XX/XX/2020 due to the following reasons : 1. Credit bureau frozen 2. Lack of trades reported recently I have not placed a freeze on my credit report with any credit bureau and would like to know who froze my credit report without my authorization. If Experian froze my credit report, why was I not notified? If this is from someone else being associated with my report after I have already requested to have inaccuracies corrected, why are these inaccuracies still present? 
I have attempted to obtain my credit report from XXXX and directly from Experian. Each time I am told my Experian credit report can not be accessed, yet I was able to pull my credit report from the other two major credit bureaus without incident. I have attempted numerous times to contact Experian during stated business hours on their website at the following numbers listed on the website. ( XXXX, XXXX, XXXX ). I am trying to reach an actual person to discuss this matter and have been disconnected each time after following all automated prompts. 

If I can not obtain a report or get into contact with Experian, how am I supposed to fix this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX
Product: Debt collection

The debt has already been paid in full but it is still showing on my credit report as unpaid. Account : XXXX  ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Please refer to the aforementioned complaint numbers for the entire complaint information. Earlier this week Experian sent me two letters. The first simply outlined the information anyone could get from their artifical intelligence from the phone number they provide ; which, refuses to connect to a live person. The second piece of mail was a credit report. What?? I know what my credit is like and that is what I'm trying to protect. 

I have worked on this issue since XXXX of this year. I have resolved this issue on my own. With absolutely NO assistance from Experian. ALL EXPERIAN HAD TO DO WAS CALL AND LEAVE A NUMBER THAT I COULD REACH A LIVE PERSON. They refused. 
They are completely inaccessible and in my opinion worthless.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am adopted and my birth certificate is from XXXXXXXX XXXX XXXX . Social office will state from XXXX.
Product: Mortgage

In XX/XX/XXXX, Specialized Loan Servicing acquired ownership of my property. Due to job loss in the oil and gas industry, I faced challenges in making timely payments. Despite the COVID-19 pandemic, I feel that they did not cooperate with me to find a solution to keep my home. To prevent homelessness for my family, I had to file for bankruptcy multiple times. During this period, I was actively involved with the HAF ( Texas Homeowners Assistance Fund ) while Specialized Loan Servicing scheduled a sale date for my property at XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

As part of XXXX XXXX bankruptcy, I contacted the attorneys at XXXX XXXX XXXX XXXX in XXXX XXXX to inform them about my participation in the HAF program. Additionally, on the day my home was supposedly sold, XX/XX/XXXX, I called the attorneys to notify them of my bankruptcy case number and requested a halt to the process. Unfortunately, I was unaware of the sale until two and a half months later when my case worker from the Texas Homeowners Assistance Fund brought it to my attention. 

During the auction, thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  apparently acquired my home. Simultaneously, XXXX filed a writ of possession against me, which I challenged, leading to my case being in Civil Court at Law no. 1. Currently, I do not have legal representation, and without assistance, my family and I face the risk of homelessness. It is essential to note that my youngest child, who has XXXX, experiences difficulties adapting to new environments apart from our home. 

I firmly believe I have evidence to support a wrongful foreclosure case. By reaching out to the Consumer Financial Protection Bureau through this email, I hope to receive fair and just assistance. You can contact me at XXXX or call me at XXXX. Thank you for your anticipated help. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX? I have written letters to XXXX XXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXXXXXX XXXX XXXX  Balance : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX COLLECTION XXXX/XXXX/EF XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX/XXXX/EF Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citizens Bank offered a promotion to open a checking account. I received this promotion via e-mail, clicked on the link and opened the account. I met the requirements from a timing standpoint and started direct deposit. The {$400.00} bonus was to be paid within 90 days.

I opened my account on XX/XX/2018 and my first direct deposit for {$1000.00} was made on XX/XX/2018. The program requirements were to open the account between XX/XX/2018 and XX/XX/2018. There were no requirements as to the timing of the first direct deposit, only that it be at least {$1000.00} ( which it was ) and that the bonus would be paid within 90 days of the direct deposit.

At 90 days I called to check on the status of the deposit. After numerous attempts and a lot of time on hold and being misdirected by ineffective service representatives, they eventually told me that I was not going to receive the bonus as I must have clicked on the wrong link when opening the account and some identifier number did not get logged with my account.

This was after I spoke to a number of service representative who told me I had met all the qualifications and payment must have been overlooked by the sales department and it would be corrected.

I called Citizens Bank on XX/XX/XXXX, XXXX, XXXX  XXXX, XXXX and XXXX, before someone actually told me that they were not going to pay the bonus on XX/XX/XXXX.

I had called a few times before then, just to verify that I did not need to do anything further.

Banks should not be allowed to offer promotions and then ignore their promise. The promotion encouraged me to print a copy for my records which I did, but that did not matter to Citizens.

I've attached a copy of the offer from Citizens Bank which I received via e-mail. There is only one obvious link - " open account ''. They claimed I must have clicked the wrong link and therefore, the way I opened the account did not qualify me for the offer.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report that is causing me harm due to it not being accurate my name is XXXX XXXX there should be no other names listed on my report. My only address is XXXX XXXX XXXX XXXX GA XXXX this is my only address and any other address is incorrect and should be immediately deleted.
Product: Credit reporting or other personal consumer reports

TS BEEN PAST XXXX BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN XXXX BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND XXXX. SUPPRESS MY FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, including Name, Address, SSN, and other information was accessed through one of the major credit reporting firms ; Equifax.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via a major News Outlet.
Product: Debt collection

CONVERGENT OUTSOURCING contact me about a debt related to a gas bill ( XXXX XXXX ) I told the collection company that I already paid that bill directly to the main creditor. They kept calling me about it like over 10 times and every time I tell them its already paid. They reported my account as delinquent on ( XXXX- XXXX  ) I disputed the debt through the web site of both of ( XXXX  & XXXX  ). XXXX  fixed and deleted the debt but XXXX  was not able to fix it, I disputed it again and they still unable to fix & delete it after I sent them my bank statement shows that I paid the debt to the main creditor.
Product: Prepaid card

I purchased a gift card from Klarna for XXXX XXXX  XXXX interest.This. card was used to buy groceries from XXXXKlarna paid XXXX for the card in the amount of {$100.00}. 
Well, Klarna charged me {$100.00} + XXXX for a {$100.00} gift card.I tried to explain I was being charged twice.They said call XXXX, they can refund the money, XXXX said no call Klarna.I only used {$85.00} of the card.Thehave me owing them almost $ XXXX am not to going to pay no more than I owe.This is a scam on both companies, perfored by these people.I have several emails from Klarna about these charges. No resultion.
Product: Checking or savings account

On XX/XX/2019, a Bank of America teller handed over almost {$3800.00} to a person impersonating me with a stolen drivers license. The criminal did not have my SSN or bank account number which is required by their procedures to access my account, however, they were still was able to take the money. The large amount to be withdrawn, and the out of state license should have heightened their scrutiny. Bank of America is not taking responsible of the fraud. 

Bank of America first denied claim with excuse the signatures matched. The stolen license has my signature on it, so it would be easy to defraud. It still does not comply with the addition information required to access my account. 

I disputed this resolution, and the second review came back with the excuse that I gave third party permission to my account. This is beyond ridiculous. 

The teller did not validate and follow appropriate security procedure to keep my account secure. My monies were note protected by Bank of America. 
My expectations are for Bank of America to approve this fraud case, reimburse the {$3800.00},
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING AGRENCY DOES NOT HAVE THE RIGHT TO REPORT MY CREDIT WITHOUT MY AUTHORIZATION. WHO GAVE THESE CREDIT REPORTING AGENCY CONSENT. UNDER THE FAIR DEBT COLLECTING ACT THESE ARE THE VIOLATIONS.

THESE CREDIT REPORTS HAVE FALSE INFORMATION THAT I ASK TO BE REMOVE. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 USC. 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681g - Disclosures to consumers 15 U.S. Code 1681h - Conditions and form of disclosure to consumers 15 U.S. Code 1681j - Charges for certain disclosures 15 U.S. Code 1692k - Civil liability 15 USC 1692e - FALSE OR MISLEADING REPRESENTATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form XXXX or XXXX. However, you may not have to include all of the canceled debt in your income.
Product: Debt collection

Ohio XXXX XXXX contract Portfolio Recovery Associates , LLC to collect a debt which is not owed.
Product: Debt collection

My original debt was with XXXX XXXX XXXX, which is for XXXX XXXX. It happened during COVID. They apparently sold my debt to XXXX XXXX XXXX XXXX XXXXXXXX as shown on my credit report. I have a collections account with XXXX XXXX XXXX XXXX XXXXXXXX. However, my information was sold AGAIN to RevNow LLC. RevNow LLC has been harassing me with phone calls 3 times a day. RevNow LLC has called BEFORE the hours of XXXX. RevNow LLC is also spamming me with emails concerning my debt with XXXX XXXX XXXX.
Product: Vehicle loan or lease

I have asked for the loan to be refiance its too expensive apr too high making it impossible to pay off
Product: Student loan

Hi, My name is XXXX and I have a problem with my private student loan. I have a hard time to find a good time job with benefits. Please let me know what are my options? I need to find a full time job with benefits and I only get jobs with the employment agencies. I need to find an stable job and it has been hard for me. I am in the process of bankruptcy and I dont have money to pay for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with Professional Credit Services. They did not provide me with the original application like i asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contemporary Information Corp. ( CIC ) as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Contemporary Information Corp. ( CIC ) is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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