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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX Personal Information XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/year> Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I ask the credit reporting bureaus to do a verification of validation of debt. All credit reporting agencies stated that the debt were verified. I also requested how and who these credit reporting agencies used to validate person ( XXXX ) debt. After several months I still have not received any communicating with Original contracts showing debts are validate as my debt. I personally did some research myself a found many inaccuracies that proves the debt was not properly verified. 

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions.
Product: Credit reporting or other personal consumer reports

In regards to item, Account number XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. Equifax, XXXX, and XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) a financial institution by definition under that title. 
15 USC 1681, section 604 a section 2 states that In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation on how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, Which is against the law. 15 U.S. Code & 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code & 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintain reasonable procedures. Also 12 CFR & 1016.7 states that A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services.
Product: Debt collection

I had pulled a loan from World Finance almost 2 years ago for {$200.00}, paid off half of it, only for it to not decrease ANY while making the full payments requested. Since then, i have received THREATENING phone calls, along with being cussed out over {$200.00} they racked up even more
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX XXXX regarding an error on my bureau. ( Account Barclays Bank Delaware # XXXX ) regarding errors, I noticed with the payment rating, balance. 

XXXX was to update my report after investigating : XXXX duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXXVIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) XXXX XXXX REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from XXXX XXXX XXXX XXXX Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher XXXX XXXX to conduct a reasonable investigation. 

Barclays violated 15 USC 1681s-2b Consumer Portfolio was not listed or updated on my bureau with the dispute FCRA states XXXX XXXX is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, XXXX XXXX has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it. 


As a result of XXXX XXXX FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment.

I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent XXXX XXXX from violating others such as myself under FCRA.

I reserve the right to to take legal action to enforce my legal rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with XXXX XXXX   Listed on my XXXX XXXX and XXXX  the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

Could you remove these inquiries? I have no knowledge of them, and the company did this without my consent.
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. 

Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX  Account Number : XXXX and 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

account.

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 1881. 

Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 802 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. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Money transfer, virtual currency, or money service

Dear CFPB, I would like to start a formal complaint regarding Venmo. On XX/XX/2021, I received XXXX XXXX, then I sent it to my bank account. The XXXX never made it, they refuse to reimbursed me for my XXXX USD. I contact them on XX/XX/XXXX. We are not the team that take car of that or this. Bottom line they never give me my XXXX USD
Product: Student loan

I been Permanently XXXX since XXXX, and i been trying to get these loans TOTALLY PERMANENTLY FORGIVEN since XX/XX/XXXX. 

I am XXXX XXXX, i am Permanently XXXX and the company that i been dealing with, keep saying that i have to pay {$240.00} a month, which i can not afford. I am on XXXX, and i am living on a very tight and low income. 

A few years ago i started paying on these loans at {$140.00} a month. Now they want me to pay {$240.00} a month, inwhich i can not afford. 

I sent paperwork to have these loans Totally Permanently dismissed a few times, they keep say thzt they never have received it. 

I just printed off the forms AGAIN. And i will be sending the paperwork certified mail, to make sure they get them. 

I talked on the phone and on onlins to them and they are not helping me at all. 

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

I have several account that are over 7 years from the date of last activity still showing on my credit report. I hav disputed them several times and neither the credit bureau nor creditor has remove the information nor have they provided proof that the information I have is incorrect. I fell ill in 2016 while XXXX and was placed on XXXX. It took several month for my XXXX payments to start causing my last activity payments to be in XXXX of 2016. When I request statements from the creditors my request is met with a bill but no proof of last activity on their part. The majority of these accounts are with commenity bank aka bread financial ( I had # 7 store accounts with them ), XXXX XXXX XXXX ( this is only one acct but reported twice with different acct numbers ), XXXX, XXXX, and XXXX XXXX XXXX. Every time I dispute date of last activity is over 7 years their reply is charged off account and then their remarks being posted drops my credit score! Of course it is a charged off account but date of last activity is over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX {$510.00} XXXX {$0.00} XXXX XXXX {$110.00} XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$8.00} XXXX XXXX XXXX {$15000.00} XXXX XXXXT XXXX {$0.00} XXXX XXXX XXXX {$140.00} XXXX {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my account that are reflecting inaccurately. 

XXXX XXXX ( Finance ) XX/XX/2XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 Please assist with removing the above hard inquiries. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Experian credit reporting agency, block information on my consumer credit report that stems from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account XXXX : XXXX bal. {$17000.00}. XXXX XXXX, Account XXXX : XXXX bal. {$390.00}. XXXX XXXX bal. {$310.00} Account number XXXX These accounts have led to numerous hard inquiries and fraudulent collections on my XXXX credit report. I am providing a list of the fraudulent accounts you are maintaining that appear on my report. I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Credit card or prepaid card

This card is a syncrony bank card for a furniture store called XXXX XXXX. I got this card at XXXX interest for 1 year and since I have not got a bill or a physical card. I called and they ask for my account number which I dont have and the automated system asks for my social and they say they dont find anything. However it does show on my credit. I reached out via XXXX and they can not find me either. Every month I get a text saying Im late and its a reminder that I will be charged a late fee and after its due I get a link that says to pay it because Im late that link does not require a account # or password it lets me pay. However every month Im late and charged for being late! This is a scam! Very unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan has pull my credit report without my permission, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and many time before those dates. I dispute it back in XX/XX/XXXX but was unsuccessful. Now it look like they are going to start pulling my credit report on a monthly basic like they did many time before. The last time I apply for credit was on XX/XX/XXXX and it was with XXXX/XXXX.
Product: Credit reporting

I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is XXXX and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.
Product: Checking or savings account

In XX/XX/XXXX, a number of transactions have been delayed without any information from the bank branches. The delay is not seen with other banks. I have had over 6 transactions delayed and late fees added - XX/XX/XXXX.
Product: Debt collection

I pay the debt it was a pay for delete never was deleted then I got a call from a private phone the other day saying it was frontline assets the guys name Was XXXX telling he can remove it for {$100.00}. If I XXXX XXXX him the money sounds like a scam. I payed for a deletion I want it deleted
Product: Credit card or prepaid card

Credit Report Inquiry XX/XX/2015Your company Citi Bank NA DBA BestBuy Credit card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. I have disputed a debt and you have failed to report it as disputed with the credit bureaus.Protection under the Fair Credit Reporting Act. (FCRA 623) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 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. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623(a)(3).
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account was settled on XX/XX/XXXX due to the bank not closing out my account in XXXX of XXXX as I requested on a recorded phone call despite me thinking that they had fulfilled my request. Due to this error on the representative part, an autopay charge had gone through on the account and was collecting interest unbeknownst to me as I had believed the account was closed. I currently have open cases to remove this negative mark as a whole from my credit report as this was due to XXXX XXXX 's incompetence. However, until this gets resolved I am requesting that the incorrect late payment marks YTD for XXXX as there are no outstanding payments or late payments for this year. 

Additionally, the XXXX inquiry should be removed as it has been XXXX  years.
Product: Credit card or prepaid card

I have sent proof from creditors PayPal showing I never had a credit card with them. This was in the form of a letter the creditor seen me. They kept opening account after account now they have me in charge off on an account I never had. The cant produce an application for this account that is now illegal in charge off. The have no application with my signature showing I never opened account with them. The letter they send said I am not responsible for any account that it was fraudulently opened. They play around and lie. I have filed charges against them with the attorney general. They have ruined my credit the credit bureaus dont correct these illegal mistakes
Product: Debt collection

RPM is calling me at work, they were told they can call this number yet they continue to do so. I had my legal representative try to call them. He tried twice and he was disconnected by their " operator '' after telling her, on a recorded line, they do NOT have permission to call and offerring to send his Power of Attorney
Product: Checking or savings account

On XXXX  the XXXX my company had our annual XXXX dinner at a restaurant, my employer always hands out our XXXX bonus checks same amount every year of XXXX. I tried to deposit the check through our mobile app and it approved it but returned it after a few days. I called the bank and they said reason for rejection is because the account number was really blurry on the companies check, she told me to bring it into the actual bank and deposit it there and I did. Now they are trying to say they might or are going to close my account, because they think the check is fraudulent and my account is on a hold. I just want to get my account out of the hold because I have direct deposits and more going through my account its XXXX time, I have adopted children and my daughter that I have to take care of.
Product: Mortgage

On XX/XX/XXXX, Wells Fargo improperly applied an additional payment as if it was a regularly monthly payment, assessing interest and sending part to the escrow. On XX/XX/XXXX, I notified Wells Fargo that that the entire payment was to be applied to the principle, and the WF agent agreed to fix it by " backing out the payment and applying it to the principle only ''. On XX/XX/XXXX, I received a call from WF informing me that it would take until XX/XX/XXXX to fix it. I protested, and about 1 week later, noticing no action or remedy, I contacted a WF " supervisor '' who promised to fix the problem " within 24 hours ''. Since XX/XX/XXXX, I have seen my account balance go up and down 3 or 4 times, and it is still incorrect. I have received a " past due/foreclosure : notice. I have had my credit history. with XXXX  show me to be behind in payments, and my credit score lowered. I have possibly been charged unfair interest during this fiasco, I can not tell. I want a written explanation of the reason this has occurred and I want it fixed.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my TransUnion report from XX/XX/XXXX by XXXX that I did not authorize. 
I have reached out via mail and phone to both transunion and XXXX yet nobody has reached back out nor provided me with permissible purpose under the fair credit act 15 usc 1681b And this a violation of the privacy act of 1974 I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 
FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.