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

A matter of significant concern related to the Fair Credit Reporting Act ( FCRA ) and its implications on my federally protected consumer rights. 

Pursuant to 15 U.S.C. 1681, I assert that my rights to privacy and confidentiality have been infringed upon by the inclusion of inaccurate information in my credit report. Specifically, the account identified as # XXXX is a clear violation of these rights. 

In accordance with 15 U.S.C. 1681, Section 602A underscores my entitlement to privacy. Additionally, Section 604A, Section 2 of 15 U.S.C. 1681 explicitly prohibits a consumer reporting agency from furnishing an account without my written instructions.

Moreover, Section 5 of 15 U.S.C. 1681c ( a ) ( 5 ) explicitly states that no consume r reporting agency is permitted to include certain types of information in a consumer report, except for records of convictions of crimes that occurred more than seven years before the report.

Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is mandated that no individual should provide information related to a consumer to any consumer reporting agency if they possess knowledge or reasonable cause to believe that the information is inaccurate. 
Upon a thorough examination of my XXXX, XXXX and Transunion credit report, I have identified several accounts that are either not associated with me or are reporting inaccurate information. I have taken the necessary steps to report these discrepancies to the Better Business Bureau. Of particular concern is the account, names and inquires listed as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, I am hereby requesting your immediate attention to rectify these inaccuracies in compliance with the FCRA. Your cooperation in this matter is crucial to ensuring the accuracy and integrity of my credit report.

I have attached supporting documentation for your review and reference. I anticipate a prompt resolution to this matter.

Thank you for your prompt attention to this issue. 

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

They have not removed chapter XXXX/XXXX Bankruptcy from my credit report Equifax/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit score and it dropped 13 points for no reason. All my accounts are paid on time, I monitor my score monthly, and Im paying off items. My score should be increasing but instead it went down 13 points with no explanation or notification. Im currently in a class action suit against Dept. of ED and my accounts should be in forbearance but thats not reflected on XXXX report. They are destroying my credibility Ive sent them numerous of notices requesting the information be updated. Same thing happened with my Equifax credit score, instead they dropped me 70 points.
Product: Checking or savings account

I opened the account months ago and have been electronically depositing money into the account. However it isnt letting me take money out. I have spoken to 3 separate departments on several occasions and none of them have been able to identify why there is a hold nor have they been able to lift the hold. I have not had voicemails and promises to call me back fulfilled. I have several thousands of dollars in the account. They can not close my account due to this hold. I dont want this bank account anymore, it is so much hassle. I am worried they will keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 90 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Debt collection

I have requested by mail verification of proof of the alleged debt. I have received generic response with no supporting documentation.
Product: Debt collection

I was served papers of my debt. I called debtor to resolve. they had me sign an unfeasble paymeny option or I would be taken to court and sued.i felt under pressure. I actually satrted to feel anxiety. I then asked if I/We could make an payment arrangement and was denied. Now I HAVE TO PAY IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online with Equifax on XX/XX/XXXX. I submitted proof that all inquiries on my credit report from XXXX XXXX were not accurate and I attached letters from XXXX XXXX advising that they should be removed. I received an email at XXXX on XX/XX/XXXX from Equifax investigations that the dispute was completed. When I went in using the Confirmation Number it gave me, no records were found. I then tried logging in via another web browser thinking perhaps it maybe was XXXX XXXX. To my shock again, they ca n't locate the dispute. I tried calling them at XXXX to be told that no representatives were available and to call back during normal hours. Mind you it was 5 minutes pass the time they state they are open! And switched to the automated system for the results only to be pushed BACK to the website. I have a confirmation page printed from Equifax 's site of my initial dispute, but NOW you ca n't find me? XXXX! This is a stall tactic and quite frankly I have had it up to my neck with Equifax so much as that I have now contacted an attorney. You ca n't not protect someone 's information with all of your ridiculous XXXX breaches. Then guide individuals to dispute inaccurate data and then and then you do n't even have the decency to do your XXXX job and investigate? You all are thieving, manipulative XXXX XXXX who surpass the line of incompetency that is mind boggling. You need to provide my XXXX results or be prepared to face me in court because I 'm tired!
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT Hello, I am new ( about 2 months old ) in the United States. As I am currently applying for a job, I applied for a checking account in XXXX XXXX XXXX  and this was later on closed. I opened a deposit account in Bank of America on the XXXX of XX/XX/2022 and it was also closed. The reason given : " based in whole or in part on information obtained from the consumer reporting agencies '', XXXX XXXX XXXX XXXX XXXX. and XXXX, I have a deposit account score of XXXX. 
On the contrary, I have no deposit account history in the United States. 
Therefore someone should be using my identity in the USA. 
I am calling for an immediate investigation into this matter. 
Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will besettled. 
XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days after the fact and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are exploited and being disregarded about my disputes. If they can provide me proof that the dispute items are my debt. It need to be deleted as soon as possible. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX checking account XX/XX/22. And when it was approved, I received notification of application for the XXXX XXXX  XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another XXXX XXXX credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for XXXXXXXX XXXX  to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the XXXXXXXX XXXX at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to XXXX XXXX  to remove it, but it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit File : XXXX XXXX Confirmation # XXXX page 16 of 16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is not an address correct XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is correct. 
I still live at this address as Equifax has me down as previous address which is incorrect on there part
Product: Debt collection

I had checked my XXXX XXXX  a month ago to see what my credit score was and had come across a Collections account from XXXX XXXX, ( XXXX XXXX XXXX  ), for the amount of XXXX. It's apparently from XXXX XXXX but I had never received any bill from the hospital themselves and hadn't received any letters from XXXXXXXX XXXX pertaining to this debt either. It was just on my credit account randomly, negatively impacting it severely. After disputing it with XXXX, they removed it the same day without question as I'm not the only person having issues with these companies. Fast forward to today, XX/XX/2021, I receive an actual letter in the mail from another collections agency for the SAME EXACT THING, as soon as I had this disputed. The company name is Capio Partners ( XXXX XXXX XXXX ), also for XXXX. I looked up the reviews of Capio Partners and all of the reviews of the business is claiming that they've called the hospitals/wherever they got their medical stuff done the collection agency is claiming, and they've been told they never owed any debt. Tons of the reviews are claiming these companies are scammers. I'm not wanting to get another credit collections ding on my credit score and ruin it.
Product: Checking or savings account

I was not able to open up a checking account and I then ordered my consumer report many banking accounts were opened in my name and I believe were used for fraudulent actions.
Product: Debt collection

Lobel Financial auto loma has been harassing me my family members and friends calling my job everyday giving them different names for me to call them back about a auto loan I didnt pay telling my employers why they are calling to collect a debt after I told them not to call I never gave permission for them to contact my job or my reference ... they sending me court papers stating they are suing me for the amount owed and will garnish my wages if not paid I never received a court paper to appear in court. When I called to ask they said they would send me to the legal department and I told them I didnt k ow I was being sued I didnt receive any papers and the legal team told me to pay up or they will Sees my assets and garnish my wage Im so confused on what to do
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I received a cashiers check and deposited into my PNC Virtual Wallet Account in the amount of {$1500.00}. The person I received the check from asked me to send him {$1000.00} back via XXXX since he overpaid me for the item he was purchasing from me on XXXX XXXX XXXX. I sent the money on XX/XX/19. I called the bank when i was told by my father it was a scam and was told the transaction was pending and there was nothing that could be done until it posted to my account. Once it posted I called back and was told because I sent the payment and it was via XXXX they were not willing to do anything to help recover the funds and told me to sue the person. I can no longer get in touch with this person as it was a scam. I am a XXXX year old XXXX XXXX   that worked all summer for this money for school books, etc. This is having a serious financial impact on me.
Product: Prepaid card

I filed complaints XXXX relating to closed XXXX  accounts. In those complaints I requested a final accounting of funds deposited to this account. I was not provided that accounting and the check provided upon closure of the account was {$300.00} less than the amount that should have been in the account. Because the account has been locked, I have no access to this information. 

Please direct XXXX  to provide a full accounting so that I may pursue this matter further with state banking authorities.
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 information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 card or prepaid card

I had called Citibank to cancel the Payment Safeguard feature which was added onto my account without consent. I'm getting charged a lot of money each month to have this feature that I do not need. There was a refund nationwide/worldwide for {$700.00} XXXX that I received no part of. I'm very disappointed that I've been paying for this feature for over 8 years now without any consent of mine whatsoever. I feel like I should be compensated for this malpractice.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Experian : XXXX  XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I have made at least 3 attempts to get a simple copy of my XXXXXXXX XXXX XXXX.. After hours and hours trying to navigate the contact maze, when I do get a response, they say they dont have anything. 
US Bank purposely uses a complicated email address. 

XXXX  Please be advised, we can not locate this loan with the information provided. In addition, please note, U.S. Bank Home Mortgage retains loan documents for 7 years after the loan is paid in full. After this time, the documents are destroyed. I am sure you destroy the computer digital copy. Not.
Product: Debt collection

I contacted this company Contract Callers Inc of Georgia about an entry on my credit report. I sent this company several letters which they received. I disputed the entry and asked Contract Callers inc to validate the debt by sending me proof that i owe them this debt and that they owe the debt they were trying to collect on. Contract callers inc never responded. In fact contract callers Inc marked my debt as paid. I never had a contract with this company, I never paid a dime to this company. This company has violated my right on many levels. Failure to provide validation of debt, illegal entry on credit report.
Product: Debt collection

The call is coming from " CMS '' ( XXXX ). The rep who is " handling '' my case is " XXXX XXXX ''. XXXX says they are attempting to collect a debt on behalf of XXXX. In XXXX  2015, I did take out a payday loan - in person. No online application submitted. After the threatening phone call, I was to pay {$250.00} soon ( upcoming payday ), or the amount would increase over $ 1000+ ... The company ( CMS ) address provided, as per my request was : XXXX XXXX, XXXX, NY XXXX. The " DOS '' they 've quoted me is XX/XX/XXXX/2015 ; however this is so very inaccurate. I 've asked for info via email and of course they created a faux document which I still have in my email. They said to avoid being served papers at my work, I need to call XXXX ; naively, I did so and spoke with an " XXXX '' ... and fearfully, I provided her with my debit card # to be charged later that week. [ Initially my case # given was : XXXX. However, now that they 're calling me at work again, the case # differs ( XXXX ) ].
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I had a funny feeling and remember hearing about fake payday loan companies who go after people attempting to collect for an old payday loan. So, I decided to do research and look-up the info given during the call with " CMS '' ; I then contacted XXXX directly. I s/w with the rep there who said she 'd provide my call back info to their Corp office ; later that day, I received a call from XXXX from XXXX XXXX corp office. She states the collection agency/company third-party that they use is XXXX  XXXX. She says their collection attempts to not include harassing phone calls and, more importantly, they do not include a company " CMS ''. XXXX  states this is not the company they use for collection.
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Once knowledge had been received from XXXX XXXX corporate office, I cancelled my direct deposit to avoid being charged by CMS. Later that day, I called CMS back and spoke w/ the 'case manager XXXX XXXX ' . I told him that I spoke w/ XXXX and their info differed from that of which XXXX had provided. He began to go on and on about his legitimacy ; I just said " ok, uh-huh ... and he asked if the payment would still be made on my payday, I said Yeahhh surree ... The calls stopped for a few weeks until 2-3 weeks ago. Everyday they call me at WORK! It 's quite embarrassing ... they 're so anxious to s/w me so they can avoid serving me at work ... why not at home? And since I 've ignored their calls and voicemails, what are they waiting for?
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Please help me to make this stop! PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX