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

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, 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. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.
Product: Checking or savings account

ATM didnt dispersed funds of XXXX at Key Bank outside went inside talked to teller he checked account money was extracted from account but not received receipt said incomplete transaction teller communicated with bank manager who is in the bank with glass window where is able to see me and bank teller told bank teller to tell me to file a dispute without recognizing the issue was urgent said Im waiting on new customer trying to open up account for me to come back in 1 hour and 45 minutes came back still unable to see me Next day almost exactly same situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I'm call to report and egregious act against my character. I am a business owner and the misreporting on personal credit is causing me to a hardship as I'm unable to get the credit needed to further expand my business. Genesis FS card services have placed 3 late payments on my credit report, I have fully complied with every request for payment they all my information to do bank checking withdrawal, and each they come back with my bank declined transaction. I have verified with my back that know such transactions exist. I have summited a letter from my bank along with three months bank statement.
Product: Payday loan, title loan, personal loan, or advance loan

Money was taken out of my line of credit by hackers. The bank is claiming that the money that was taken was for my benefit and was given permission by me. This is not true they gained access to my accounts and took XXXX dollars out of my line of credit. I found XXXX in an other account and returned to the bank. They are now stating that I am responsible for XXXX dollars that is still owed on my account. I am at a loss as to what I can further do and have sent notarized letters to the effect that I did not benefit from the money that was taken out
Product: Mortgage

I sent an error resolution written inquiry on XXXX XXXX, 2016 regarding a number of issues including, failure to post payment and erroneous late charges/property inspection fees. The bank responded on XXXX XXXX and the XXXX 2016 that my inquiry was received. I have not received any further communication and my inquiry is unresolved. XXXX ) Additionally in XXXX 2016 another payment was not posted to my loan.
Product: Credit reporting or other personal consumer reports

RE : Dispute of 30 day late payments Dear Sir/Madam I am writing to dispute a 30 day late payment entry on my credit report. I have reviewed my report from your agency and found an inaccurate late payment entry. 

Account XXXX : XXXX XXXX  Date of late payment : XX/XX/year> This information is incorrect because my payment due date was XX/XX/year>. I have provided credit card statement documents showing that I made a XXXX full payments on XX/XX/year> and XX/XX/year>. Under the FCRA a 30-day late payment refers to a payment that is 30 days or more past the due. With my evidence showing full payments means that I was not late.
Product: Checking or savings account

I had a check that was stolen from a personal mailbox on the XXXX of XX/XX/2021, I called the police and a report was made. My check was cashed at a Wells Fargo bank. The person who cashed the check forged the signature. My bank XXXX has checked with Wells Fargo numerous times they tell me they can't force them to return the money I just have to wait for their decision. The amount of the check was {$1500.00}. Clearly Wells Fargo made a mistake cashing the check it has been almost 1 year now. 

A couple of weeks ago I met with the manager of my XXXX  branch and he was on the phone with the claims department for almost 30 minutes, he was helpful but ended up getting the same answer I received when I called the claim people which is they can only wait for Wells Fargo to make a decision, I really don't know what to do I am worried they will not return the money. If you need more info let me know, thank you
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent inquiries from 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
Product: Checking or savings account

It started in mid XX/XX/2021. I man I had been talking to sent me a check. I deposited that check and then he asked me to wire some of the funds to his CPA 's bank. I did. Then the bank took XXXX dollars out of my kids 's accounts to cover that check. They said it was bad. I had no idea. Meanwhile he sends me another check and that one was bad too. I didn't find this out until the money is taken out of my account. I called Huntington bank, they said it was my responsibility to check there account to see if they have the funds. I'm out almost XXXX from this man sending me a couple of checks. I had NO IDEA the checks were bad. I would have never done it. I have the 3rd check in my possession. I am still texting him, hoping to get my kids ' money back. all of our accounts are at same bank and they took the money out of their accounts to cover the check. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " As indicated by the Fair Credit Revealing Demonstration 15 USC 1681 segment 602 a states " There is a need to safeguard that buyer detailing offices practice their grave liabilities with decency, unbiasedness, and a regard for the shopper 's on the right track to protection. '' Equifax and XXXX are purchaser detailing offices and I'm the Shopper. I reserve the privilege to ensure my confidential data isn't shared which is supported by 15 USC 6801 which states '' It is the approach of the Congress that each monetary establishment has an agreed and proceeding with commitment to regard the security of its clients and to safeguard the security and classification of those clients ' nonpublic individual data. '' ( Furnisher of data to credit organizations ) is a monetary foundation by definition under that title. 15 USC 1681 segment 604 a part 2 expresses that " In everyday Subject to subsection ( c ), any buyer revealing organization might outfit a purchaser report under the accompanying conditions and no other : as per the composed guidelines of the purchaser to whom it relates. '' ( Furnisher of data to credit organizations ) the monetary establishment and the Shopper detailing offices Equifax and XXXX don't have my agree to outfit this data and they certainly don't have my composed assent. All agree to Equifax, XXXX, ( Furnisher of data to credit organizations ) whether it be verbal, non-verbal, composed, inferred or in any case is renounced. 15 USC 6802 ( b ) ( c ) states that " A monetary foundation may not reveal nonpublic individual data to a nonaffiliated outsider except if the buyer is given a clarification of how the purchaser can practice that nondisclosure choice. '' ( Furnisher of data to credit organizations ) Never educated me regarding my entitlement to practice my nondisclosure choice. Not just that 15 USC 1681C ( a ) ( 5 ) states '' Besides as approved under subsection ( b ), no shopper detailing organization might make any customer report containing any of the accompanying things of data Some other unfavorable thing of data, other than records of convictions of violations which predates the report by over seven years. '' This record is an unfriendly thing they are detailing again without my consent which is illegal. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " An individual will not outfit any data connecting with a shopper to any customer detailing office on the off chance that the individual knows or has sensible reason to accept that the data is erroneous. 15 U.S. Code 1681e states '' Each shopper announcing organization will keep up with sensible methods intended to stay away from infringement of area 1681c of this title and to restrict the outfitting of buyer reports to the reasons recorded under segment 1681b of this title. '' Equifax and XXXX are not keeping up with sensible methodology. Likewise 12 CFR 1016.7 states that " A shopper might practice the option to quit whenever. '' I'm quitting your revealing administrations. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align which my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violations federal law and my rights as a consumer.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

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

XXXX double reported a credit inquiry to Transunion on the same day. They have 2 inquiries on my credit report for XX/XX/2019. Of course, they just love running your credit 20 times when you purchase a car, because every time they submit an inquiry, it lowers your credit score, so by the time you make the actual purchase, your score plummets 100 points and oh my, now we have a higher interest rate, right? This needs to be fixed.
Product: Debt collection

Procollect has continuously violated my consumer rights in more ways than one. I have Attached a Letter from the Apartment Complex stated the Debt is not owed. If the debt is not removed from the 3 Credit Bureaus I am filed a Civil Violation with the XXXX XXXX XXXX as well as my State Attorney Generals office for all Violations which entitles me to {$5000.00} per Violation. This is hereby notice to delete the account within the next 30 Days to avoid legal action. 

I will be suing for the following 1 ) Debt Not Owed 2 ) Defamation of Character & Damages to Credit Report 3 ) Procollect is not bonded is licensed to Collect in the State of Texas.

4 ) I do not have any business or contact with Procollect
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, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXXXXXX Balance : {$550.00} XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX  Balance : {$480.00} XXXX  XXXX XXXX  Balance : {$9.00}
Product: Debt collection

On XX/XX/2021, I, XXXX XXXX, received a letter via USPS mail from American Coradius International LLC stating I owed a debtor {$630.00} and named XXXX, XXXX as the creditor. While I have a regular XXXX account -- the kind in which I deposit and withdraw my own earned money -- I do not and never have taken out a XXXX credit account. In fact, the one time I tried to apply for one, I was denied, so I am pretty sure that this is either the result of blatant fraud or identity theft.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC ( LVNV ) 2 Accounts ; A. {$17000.00} B. {$26000.00} Pursuant to 15 US code 1681e compliance procedures Section B accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy. The information concerning the individual about whom the report relates 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions Furthermore, section 15 of the USC states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.15 US code 1681e compliance procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got done cleaning up my bureau report with Experian yet I found and unauthorized inquiry from some XXXX that was pulled an XX/XX/2023.. I never applied for any services with this bank and I notified Experian of false inquiry that ia causing harm to my credit bureau report they refuse to remove.. I do not never have any account with this XXXX and this is misinformation that Experian is refusing to remove ..I need the CFPB to step in and apply legal means for forcing law on unauthorized inquiry that Experian is allowing harm by refusal to remove
Product: Credit card or prepaid card

I am a victim of account takeover. The hackers created a chip based card and had a PIN to withdraw fund from ATMs. The perpetrators has also found a way to intercept my paper statement and send me modified statements so I would not see fraudulent activity. I only caught the activity because of fraudulent activity on another account from another bank so I checked all of my cards. Discover is holding me accountable solely because they were chip and PIN transactions. The police were not able find any proof of fraudulent activity because Discover took so long to respond. All video evidence of the activity was no longer available. I have filed a claim with the FTC for Identity theft. Report number XXXX. XXXX County Police report number is XXXX. The FTC suggested I contact you since I have taken all of the appropriate steps but have not have the correct outcome with Discover. 

I have evidence of all of the activity but am unable to upload since the scan is greater than 10MB
Product: Credit reporting or other personal consumer reports

Remove all negative XXXX inquiries in XXXX, remove XXXX inquiries from Experian on XXXX XXXX is unknown . Remove address on XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX  XX/XX/XXXX {$160.00} ( Remove ). XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} ( Remove ) XXXX XXXX XXXX XX/XX/XXXX {$370.00} ( Remove ). XXXX XXXX I finished and sent email to close the account in XXXX, they continue to report was not authorized by me or aware. I have the email ( Remove ) XXXX XXXX XX/XX/XXXX {$200.00} ( Remove ). Capital XXXX XX/XX/XXXX ( Remove ).
Product: Credit reporting or other personal consumer reports

After reviewing my credit report recently, I was surprised to find that the XXXX XXXX XXXX XXXX  changed my account status to current. 

I was never notified that it had been delinquent within the 30-day grace period or even after. When I looked at the app, nothing showed as delinquent, and it told me that I could pay early. 

I have previously received notice of delinquency shortly after it was late ( a circumstance arose from charges placed right after I had paid the whole card off ). Additionally, XXXX XXXX XXXX reported both the delinquency and the newly paid status in the same month, so I can guess there was probably some confusion on their end. 

If you look into my history with this card and bank, you will see that I have never had issues with payment in the multiple years I have been a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the Fair Credit Reporting act XXXX Account # 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. 


- In accordance with the Fair Credit Reporting act XXXX Account # 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. 

- In accordance with the Fair Credit Reporting act XXXX Account # 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. 

- In accordance with the Fair Credit Reporting act XXXX Account # 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. 


- In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Credit card or prepaid card

A bank of America credit card was opened XX/XX/2022 in my name. The address the card was sent to was in TX ( I live in CO ), but luckily I caught the fraud before the perpetrator received the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX  XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXX the date last active for each bureau is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file. The items I dispute are highlighted and enclosed in the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and unverified information on my credit report. I am very distressed that you have included the below information in my credit file, which contains errors and inaccuracies : 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 and I believe this information represents fraudulent activity on my account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion or correction of any information in my credit report that is inaccurate, incomplete, or unverifiable. Section 611 of the FCRA states that if I notify you of a dispute, you must conduct a reasonable investigation and either verify, correct, or delete the information from my file.

Please investigate these matters and remove or correct the disputed items as soon as possible. If you fail to remove these inaccuracies, I will be forced to take further action, which may include legal proceedings.

Please send me a corrected copy of my credit report and notify anyone who has received my report in the past six months of any corrections made.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/1994 XXXX
Product: Credit reporting or other personal consumer reports

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to XXXX & XXXX ; So if that & # XXXX ; XXXX the case. Per the FCRA XXXX ( a ) ( XXXX ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( XXXX ) all accounts and public information that you post on anyone & # XXXX ; XXXX credit report. 
Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.