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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Credit report is reporting data that is incorrect. XXXX XXXX is reporting an account that was not opened or used by me. 

Hard inquires needing to be removed, credit was not extended
Product: Debt collection

On Friday, XX/XX/2022, and Friday, XX/XX/2022, I received two identical text messages from an unknown phone number, ( XXXX ) XXXX, claiming to be the CBE Group. 

In these messages, they told me to contact them at ( XXXX ) XXXX or paycbe.com. They provided no context on what sort of debt they are trying to collect, no statement with balances, and no identification of my name in their messages. They also did not provide a physical address that I could reach out to via mail. On top of all this, nowhere could I find these numbers to be associated with the CBE Group on the Internet. I did report this as spam to my cell phone provider the first time receiving this, only to be contacted once again. 

Normally, I would be skeptical of these messages, but I am aware that CBE Group is a legitimate debt collection agency that partners with the IRS. Additionally, the XXXX area code of this phone number seems to match that of the CBE Group 's headquarters. 

When I checked my profile on the IRS website, it stated that I do not have any debt owed. I'm not sure if whether this text was sent by mistake or with malice. Since I don't recognize this number, I do not feel comfortable replying by text or calling them back. However, I also do not want them to falsely report me to credit bureaus for debt that I do not owe.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX  XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 5 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A 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 XXXX ) XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX
Product: Checking or savings account

I had a credit builder savings account # XXXX that I paid monthly, one of those charges did not enter and they charged me charges that I did not accept, for 02 consecutive months they added those charges and did not return all the money I deposited. me. In the month of XX/XX/2021 I disputed the charges, but they did not respond to me and marked me with delays even though they were supposed to be disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so shocked when i looked at my credit in attempts to purchase a home Dates XX/XX/XXXX, XX/XX/XXXX & XXXX I am not sure how this happen i believe that I made my payments when i recieved my ststements. 
I think is that my statements must have gotten lost
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I did a loan consolidation in which I paid my loans off for XXXX I asked Experian if they would please update my loan balance on my credit report and they refused please see the statements attached can you please require them to update my credit report with the right balances asap since they refused.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX, XXXX # XXXX Account Name : XXXX XXXX, XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Venmo in late XXXXearly XXXX. I used it for several months to transfer funds to/from other individuals. In XXXX, XXXX, a friend transferred {$85.00} to this account. When I tried to retrieve it, I got a message saying that they suspected fraud on my account, and I needed to send them some identifying information ( driver 's license and account statement proving my name is one of the owners ), which I did within 2-3 days. On XX/XX/XXXX, I received an email from them ( subject : Your Final Venmo Statement ) stating that since I had recently canceled my Venmo account, they were attaching my final statement. ( See email and its attachment to this complaint. ) I had not recently canceled my account and in fact, had been trying multiple times to reach them without any success. Over the past eight months I have called their customer service phone line at least 5-6 times and left messages, but got no response. I have also sent them at least 10 emails but no response. If I am interpreting this 'final statement ' correctly, they have transferred my {$85.00} to their Venmo corporate account. This is my money and it should be transferred to me.
Product: Mortgage

Chase advertised a {$500.00} rebate if I sign up for their mortgage, so I did. They never paid me the {$500.00}. They said I didn't meet all their conditions, but their conditions were misleading and not clear. 

Mortgage closed on XX/XX/XXXX. At the closing, I signed a paperwork with escrow and my Chase mortgage bankers, saying I will use my chase checking account to direct pay my mortgage, and I asked Chase mortgage bankers whether that will be all, for me to quality for the {$500.00}. They said yes. 

I then went overseas to XXXX for a month for work, when I came back in XXXX, I didn't get the XXXX, so I patiently waited another month. In XXXX, I emailed my Chase mortgage banker, inquiring where the XXXX is. He got me in touch with their complaint department. Chase complaint department told me I didn't sign up for paperless billing so I did immediately but they said it's too late, over two months now. 

BUT, 1 ) Chase mortgage banker told me at closing that it's all good and I don't need to do anything else to qualify for the incentive ; 2 ) I  went overseas ; 3 ) I was only less than a month late to sign up for paperless ; 4 ) all my other chase accounts were already paperless so I had no idea the mortgage payment wasn't set up by default to do paperless ; 5 ) I never received any paper mortgage statement until XXXX. 

This is deceptive marketing : Chase put the {$500.00} rebate in big bold letters then somewhere using very small font to hide the conditions to quality for it. They set up a trap for me to not qualify - while all my other Chase accounts were already paperless, they set my mortgage payment to paper payment, and they never sent any paper statement until after 2 months when it's too late! How could someone with busy work schedule remember all their fine prints? I tried to reason with them : their 2-3 paper statements don't worth {$500.00} but they still denied my claim. I have an XXXX degree but I still overlooked this small fine print, imagine how many other people will miss this. 

Chase should credit what they owe me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate and unlawful reporting of a charge-off on my credit report by all three credit bureaus for my XXXXXX/XX/XXXX XXXX This reporting is in violation of the Fair Credit Reporting Act ( FCRA ). 

A charge-off occurs when a creditor declares a debt as a loss, which may include settlement or payment by a third party, such as an insurance claim or sale of the debt to a third-party collection agency. According to Section 623 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies must report accurate and verifiable information. 

The charge-off in question appears to have been resolved via payment by a third party, making it income for the original creditor. Income collection does not constitute an active or collectible debt and therefore should not be reported as delinquent on my credit report. This is a misclassification and a clear violation of my rights under the FCRA. 

I have disputed this directly with all three credit bureaus but they have failed to provide verifiable evidence of the debts accuracy. The FCRA requires that any information on my credit report must be accurate, complete, and verifiable. If they are unable to provide sufficient documentation, they are legally obligated to correct or delete the account from my file under Section 611 ( a ) of the FCRA ( 15 U.S.C. 1681i ).

The continued reporting of this charge-off is damaging my credit profile and negatively affecting my financial well-being. This is a direct violation of my consumer rights under the FCRA, and I am requesting CFPB intervention to ensure compliance and proper resolution. 
Thank you for your assistance.
Product: Mortgage

I sent a check and paid off the loan to Select Portfolio Servicing on XX/XX/XXXX. 

they waited until XX/XX/XXXX to send a letter stating that the payoff ( which they sent ) was not enough. I didn't get the letter until XX/XX/XXXX. So they held funds and let the interest accrue for almost an entire month. My phone number was on the check so if it was short, they could have applied funds to principal or called me to tell me! instead, they sat on it while it collected interest. i find that to be highly questionable and i believe this is the very definition of predatory lending! Please do something to stop this unethical practice. 

file account number XXXX name XXXX of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed any errors on my credit report. 
I even hired a company to help me and they still ignored all communication. 
I am tired of this I have been trying to rectify these errors for almost a year now. 
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 dont have no written permission 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. 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. This is why I need your help. I was told your agency can assist. If the law is correct, the credit bureaus are reporting incorrect information, not verifying the information is accurate and not completing investigations at all, never the less in 30 days.
Product: Debt collection

On XX/XX/19 I received a phone voicemail stating that they were locating me and it was their final attemp or they were going to serve me with papers. I called the numb er back and they had record of my bankruptcy about when it was filed and discharged but told me that they were not included. I advised them that they were and offered to send over info they told me i can bring it to court. If they were not included then how would they know the info to my bankruptcy. They continued to call 5times afterwrds.
Product: Checking or savings account

Hello! 
I had a shared personal account with my husband at Bank of America for 7 years. My husband also had his own business account at Bank of America, not shared. He had his business account closed in the beginning of XX/XX/2023 as a result of a bad deposit. Also, Bank of America closed all accounts in his name, which was a personal shared account with me. 
I tried to open a personal account at Bank of America again, and they confirmed that they dont have any fraud information or activity on me personally, but since I was at this shared account with my husband they refused to open an account for me and work with me again. 
I also have issues opening any deposit accounts now at any bank since I believe this situation with Bank of America effected my records
Product: Credit reporting or other personal consumer reports

I have contacted each credit bureau repeatedly the past year ( XXXX, Transunion, and XXXX ) regarding a name associated with my information that needs to be removed, as well as an address in Wisconsin. 

This name and address has not been separated from my own file, and I am still being harassed over an owed amount this individual is responsible for. I want any information associated to be be removed from mine, as I have already spent an unacceptable amount of time refuting a collection claim, just to have it return again this month.
Product: Debt collection

I have disputed medical debts posted on my credit report from AR Resources. I submitted disputes to the CRAs for valid documentation to be provided to me in writing or to be removed from my credit report on XXXX, XXXX, XXXX of this year. 

No Documentation has been provided to me in writing proving the debts are mine and that the debts are valid. I dont even know what the debts were for. I responded to AR resources contesting the the validity of the debt and have received nothing in return. AR resources is also posting the same debt on my credit report twice in the amount of XXXX. Which is showing as additional collection account. This is an improper practice. I asked the CFPB once before to have debts removed and AR Resources agreed to remove. The debts have not been removed.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Fraudulent Accounts and Unauthorized Bankruptcy Filing Under the Fair Credit Reporting Act ( FCRA ) and Related Consumer Laws To Whom It May Concern, I am formally disputing multiple fraudulent accounts and an unauthorized bankruptcy filing that have appeared on my credit reports with Equifax, XXXX, and XXXX in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The attached police reports from the XXXX Police Department XXXX XXXX # XXXX XXXX XXXX # XXXX ) substantiate that I am a victim of identity theft and financial fraud. 

Legal Grounds for This Dispute : 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or fraudulent information on my credit report.

The credit bureaus and furnishers must investigate within 30 days and remove fraudulent accounts per 15 U.S.C. 1681c-2 ( Fraud and Active Duty Alerts ).

Failure to remove verified fraudulent information is a direct violation of 15 U.S.C. 1681n & 1681o, which entitles me to damages and legal recourse.

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : Debt collectors must cease collection efforts on fraudulent accounts under 15 U.S.C. 1692g ( b ).

Reporting fraudulent debts as valid violates 15 U.S.C. 1692e ( 8 ), which prohibits false credit reporting.

3. Fraudulent Bankruptcy Filing ( 18 U.S.C. 157 Bankruptcy Fraud ) : The Chapter XXXX bankruptcy recorded on XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX ) was filed without my knowledge or consent. 
This fraudulent filing violates federal bankruptcy fraud laws ( 18 U.S.C. 157 ), and I demand its immediate removal.

Fraudulent Items to Be Removed Immediately : Creditor/Account Name Account Number ( Partial ) Date Opened Disputed Amount Notes XXXX XXXX XXXX XXXX XX/XX/XXXX {$73.00} Fraudulent account XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Fraudulent account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX {$320.00} Fraudulent account XXXX XXXX XXXX ( Filed in XXXX, IN ) XXXX XX/XX/XXXX ( Equifax ), XX/XX/XXXX XXXX XXXX ) XXXX  Fraudulent bankruptcy fili
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. DELETE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( Original creditor : XXXX, XXXX XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX )
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX referred an outstanding balance of {$450.00} to Sunrise Credit Services.  In XX/XX/XXXX I set up and initiated a monthly automated payment of {$52.00} to settle the debt. In XX/XX/XXXX, I received notice from my credit reporting agency that there was a negative collection reported on my credit on XX/XX/XXXX and realized that the last payment made to Sunrise Credit Services was on XX/XX/XXXX. There were two remaining payments to be made which would have brought my account to a zero balance. I called Sunrise Credit Services to ascertain why payments were stopped. I was informed that XXXX " took the account back ''. Upon further inquiry with XXXX, they reported that because the account was still outstanding, they referred the account to XXXX XXXX to collect the remaining balance of {$100.00}, despite on-time monthly payments being made. I had no knowledge nor received any notice, written letter or otherwise, that the account had been transferred. XXXX XXXX reported that phone calls were made to my home number, however, no written notice was mailed. After paying in good faith to the settle my debt, this failure to report the acquisition of the new account prevented me from being able to clear up the account in a timely manner so as not to have it reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

I have several problems whit this companys They are reporting late payments on my credit. 

XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX Account number : XXXX No recongnise this inquires XXXXXXXX XXXX XXXXInquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Called the credit reporting agencies letting them know the inquiries and accounts are unauthorized not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is aggravated identity theft.