23daVinci/CFPB_Complaints huggingface dataset:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 
And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalli, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found te be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the fle of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, sepecifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debts is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Can not log into My Equifax to obtain credit report or freeze credit. On XXXX tried to reset password to log into My Equifax to view credit report and freeze credit multiple times but get an error from My Equifax website : We are temporarily unable to complete this request. 
Please try again later. 

Upon calling customer service waited on hold for over an hour with no response.
Product: Credit card or prepaid card

On XX/XX/22 I lost my prepaid debit card. I realized I lost my card when I arrived home and checked for my purse. I immediately checked my Mobile App to shut down my prepaid card and realized that XXXX fraudulent transactions had taken place on my account. ( XXXX & XXXX {$710.00} and {$19.00} ). I then called customer service to report my loss. I was able to block my card and to order a replacement. I was informed that I was unable to file a dispute while the transactions were still pending, although I verified the transactions were fraudulent. I followed procedure and filed a dispute on XX/XX/22 reference # XXXX. On XX/XX/22 within 24 hours I received an email stating my claim was denied. I think this is a travesty. what investigation takes less than 24 hours? This really put me in a bind, my direct deposit for my job is deposited into that account. All my money is now gone. I lost my card and acted quickly in replacing it, I did not have my PIN written down, I followed all the instructions in filing a dispute, but yet I was denied. I Need help.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from EXPERIAN on XX/XX/XXXX. I saw some Hard Inquiries that did not have Permissible Purpose. I also attached evidence : 1. XXXX  XXXX  XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 2. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 3. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 4. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 5. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 6. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 7. XXXX XXXX XX/XX/XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B
Product: Credit card or prepaid card

I discovered that my name and information were used to open multiple accounts with Comenity bank. Upon discovery I disputed them and they did not remove them. I then completed a police report and the required identity theft affidavits on the federal website. I have sent this information to Comenity. They refuse to delete these fraud items. They return a form letter telling me they find nothing valid. Ive sent the data twice. This is fraud due to data breach exposure. The attached police report was made in my maiden as the fraud was perpetrated in that name. It is Not my name.
Product: Mortgage

have made all payments on time but company claims XXXX and XXXX have not been made and have put me in default
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 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. XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023, 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

I do not recognize XXXX XXXX inquiry on XXXX. Inquiry is unknown and unauthorized use on my Consumer Report
Product: Debt collection

I received a call from XXXX at XXXXXXXX XXXX from someone who said he was from Receivable Management Services. I hung up on him. I XXXX the number and read they are an agency trying to collect on old debt. All my debt was recently dischargeded in bankruptcy and they should not be calling me. I have not received any debt validation from this company as required by law. I believe they trying to collect a debt they can not legally collect or this could be a scam. I don't know. I have not received a debt validation letter from them.
Product: Credit card or prepaid card

On XXXX XXXX,2017 I called Amazon chase company asked what the pay off was. They gave me the amount in which I paid ofc account. I then receive a bill for a interest payment for the next month. When card was paid off.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States 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 USC 1681c. ( aX5 ) 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 ( AX ( 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 errors A 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

Called by a woman, she wanted me to " identify '' myself/verify identity with her, I told her I don't do that for people who call me and that I was going to bed for work. She interrupted me and said " yes and this is the last five minutes my office is open too '' in an antagonistic tone and that she worked for BECU and she called me by my name, I again told her I would be going to bed and she interrupted me again. Offended I asked her for an employee number, she gave me her name but, refused to give me anything else other than " XXXX working at BECU '' I attempted to call BECU back after she refused to give me any kind of employee ID but, they were closed.
Product: Credit reporting or other personal consumer reports

Truist Bank sent me a notification on XX/XX/year> of a data breach which has improperly shared my personal & credit information. The notice indicates that Truist Bank and constituent XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ), a third-party debt collection agency network was compromised and personal information was stolen by unauthorized parties.
Product: Payday loan

I was looking up payday loan companies online and came across this payday loan website XXXX and they advised that i can get a payday loan in five minutes. I filled out a ll the info that was asked and was contacted via e-mail by Northern Plains Funding , LLC. Then was contacted by an agent that advised me that i was approved for {$300.00}. Went through the process of verifying all my info with the agent like my contact info, place of employment and my bank information by calling my bank on 3way with the agent on the phone asking my bank questions to verify that it was my bank account and in good standing. 
The agent then advise that she will be e-mailing me the agreement and the way that it was explained to me is that I can make pays of {$90.00} per pay period or i can just pay the loan off in full, but i was not made aware that i would have to pay {$2300.00} on a {$300.00} payday loan i understand that payday loans can have high interest but not that high I have done previous payday loans in the past and paid nowhere near {$2300.00} in interest. Once I got the money I looked over the loan in more detail and seen all the interest that was being charged. I then did some digging only to find out that this company do not have any business license in the state of California or in XXXX XXXX county for that matter. I spoke with a agent from DEPARTMENT OF BUSINESS OVERSIGHT and they also tried to look up this company only to find that this company is not licensed to do business in the state of California. I was also advised by the agent that this company is on a XXXX reservation doing buiness, agent then adivsed me that i will need to file a complaint through Federal Trade Comission sense this company is located on tribal land. 
I have only made one payment of {$90.00} so far to this company thru direct deposit which i sent a e-mail to the company advising them of Revocation of ACH credit and debit no later then XXXX XXXX. 
From my understanding per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT website maximum fee a payday lender can charge is 15 % ofthe face amount of the check ( up to a maximum of {$45.00} ). but this company is charging me well over 15 % and well over the maximum of {$45.00}. 
This loan has a Annual percentage rate XXXX % .This loan is from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
And also per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT The lender does not cash the check until the borrower 's next payday, up to 31 days. This lender has clearly went over the 31 days allowed until my next payday the lender is requseting that i make 24 payments of XXXX and the last payment of XXXX. This lender is advises that all the payments will be applied first to the finance charges and fees {$2000.00} then to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I brought a leather jacket from XXXX XXXX XXXX XXXX   XXXX total cost {$110.00} On early XXXX I called Pay Pal to report this was a scam and fraud. They was to put a hold on account. 2 mounts later case was solved on my be half. 
XXXX was credited back on my account. but was billing me for late fees of XXXX. 
Now account was put on hold and was not to charged late fees or anything else. call Pay Pal but no one knew what I was talking about. still getting bills for late payments for a scam and fraud case. now I was turned for a small loan for lawn mower.
Product: Credit card

One month, I paid only XXXX % of my credit card bill ( due to an oversight ). Bank of America charged me interest on 100 % of the bill, rather than the 5 % I owed. This amounted to over 40 % interest in a month, or a APR of over 5500 %. 

I called to complain, and they reset it, but this is presumably happening to many BoA customers all of the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submit complaints about this and Equifax is willfully not participating in compliance of the laws. I have submitted proof that this false and damaging information is false. Neither the data furnisher nor the court is communicating this false items and therefore must be deleted. This has been investigated and is well past 30 days. They are breaking the law and need to pay. These items were not verified in my past disputes, they keep lying. They need to do their due dilligence and delete these items as XXXX has done because they want to stay within compliance of the law. This information is not true and therfore must be deleted.
Product: Debt collection

credit control sent me a letter on a debt i do not owe!! please stop contact me about a debt i do not owe through phone, text, mail or any type of communication ty!!
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX, I placed an online order with XXXX XXXX. The transaction was charged to my XXXX account. Being a consumer of XXXX for over 20 years my expectations were that XXXX would forward the account bill to the correct address of record. However, I discovered via written notice ( XX/XX/XXXX ) from my personal Credit alert company that XXXX reported this account as 30 days delinquent. I did not receive a bill at the correct address from the XXXX. Upon receiving the alert I immediately paid the bill ( {$33.00} ) in full through XXXX 's automated phone pay system. My payment history during these years has been satisfactory. I believe it is unreasonable and unfair to have reported this negative information. Particularly in view of XXXX 's failure to forward the bill to the correct address and then subsequently punish the consumer by reporting the negative information ( delinquency ) on the credit file. I attempted to resolve this matter directly with XXXX on XX/XX/XXXX. Their position was one of refusal to remove remark unless there was evidence from the United States Post Office of the alleged original bill being returned to XXXX XXXX On the question of what address did XXXX originally send the bill to their staff stated they had no record.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EXPERIAN CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX and XXXX XXXX  that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. 

These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. 

Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law.

Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. 

Below are the specific details of the inaccuracies : Property 1 : XXXX XXXX XXXX 2 : XXXX XXXX Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. 
I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. 

Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. 

Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. 

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

TO : Equifax & XXXX. 
From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX DOB : XX/XX/XXXX, Last 4 : XXXX RE : Improper Verification Tactics XX/XX/XXXX Bankruptcy Reference # XXXX & XXXX 15 U.S.C 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) I have received letters from the Mississippi Court in XXXX XXXX XXXX XXXX XXXX , both courts have clearly stated that they 'DO NOT " verify or support any company 's verification of Bankruptcy Accounts.. ( YET ) Equifax & XXXX state that have verified ... ... .How can they be verified? I submit that Equifax & XXXX has purchased a online public record and is using the purchase of a online purchase as a verification ..... The proper verification should come " directly '' from the Court, not from a comparison on a purchased online transaction. Equifax & XXXX have violated my rights to privacy and due process because of inaccurate and false verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX my account had fraud issues and I tried to close account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called customer service about erroneous reporting on credit report, XXXX 2020. I'm listed as being 60 days late of this account. This is not true. All payments were done as scheduled
Product: Mortgage

To finalize the closing of the sale of my house, my real estate agent requested ( she went personally and paid the fee ) my bank First Mortgage ( First Bank Puerto Rico ) for a Cancellation balance letter on XX/XX/2020. I also request it sending a letter by email on XX/XX/2020 and on the Bank Digital Banking Platform on XX/XX/2020. Today XX/XX/2020 we have not received it yet. Both my agent and I have called and carried out all procedures according to the procedures, rules and requirements of First Mortgage PR, and we have only been told that we have to wait. I never had a single delay in my payments, I have always been responsible and trusted that it was reciprocal, but no. Some other papers are about to expire, and the buyer can change her mind and walk away.