23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Mortgage

I went on covid forbearance and am in the process of trying to bring my loan current. Loan Depot refuses to consider me for a streamlined loan modification and is only offering me deferment. I would like to request assistance perusing XXXX Flex Modification per the letter that was sent to me explaining my different options to bring my loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is A brand new complaint in addition to complaint XXXX with XXXX. The information that is reported on my credit report is Fraudulent!!! I have been requesting A complete copy of the document that the Company XXXX XXXX said I signed and has placed on my Credit Reports for over A year and was bullied into paying the account because I want to be A Home Owner. I Have Consistently Disputed this with all three Credit Bureaus because I knew it was Fraud. I had enough of the inconsistently reporting of the account which includes the amounts, the dates and times of payments, The date on the Loan Document isnt even the same as the one XXXX XXXX put on the Cover Letter they sent and not to mention I had not tried to get any credit from any company because I was working toward purchasing my very own home for my family at the time. 
I filed my complaint with the Consumer Financial Protection Bureau only after emailing XXXX XXXX to send me A complete copy of the Loan document that I signed and requested the Credit Bureau, XXXX to provide me with it as well. I did that on XX/XX/2021. In the email to XXXX XXXX I also gave them until XXXX XXXX to email and USPS mark the information to me. Today I will be providing you with A Copy of my Illinois Drivers License ( Its not updated because of Covid-19 but it is valid ) and A copy of my Social Security Cards ( I have two in my possession ) one from my early twenties and one in which I obtain five years ago because I thought I lost the other one all in which contains my Legal Signature. Most importantly I am sending A copy of the Documents that XXXX XXXX mailed to me that are post marked on the envelop XXXX XXXX only a day after I filed my complaint with your office. The Loan Document that XXXX XXXX mailed to me is Fraud!!! On this document I can honestly tell you THIS IS NOT MY SIGNATURE!!! And I can honestly tell you my mother XXXX XXXX use to whip my behind because I was NEVER ABLE TO WRITE A CURSIVE XXXX to spell my name to save my life. Not to mention the rest of the signature is a Complete Joke. Starting from the top, that is the neatest handwriting with the Wrong Address. I live in XXXX XXXX Illinois not XXXX!!! This account has been Verified??? By whom??? At the Three Major Credit Bureaus??? I am Absolutely Mortified right now. These Credit Bureaus hold my very life in their hands and wont check for Accuracy??? How many people have they allowed this to happen too??? This is complete proof that my credit file has been Breached By XXXX PERIOD!!!
Product: Debt collection

I emailed XXXX requesting Debt Validation Request : XXXX XXXX XXXX. XXXX. 

According to 15 USC 1692 G, I am requesting the following information : 1 ) A full detailed list of the payment history of this account XXXX ) The original signature that i agreed to on the contract for this creditor XXXX ) Has there been any insurance claim found on this debt XXXX ) The chain of title UCB have to collect on this debt.
Product: Credit card

I received three letters from two separate credit card companies letting me know my " application '' had either been denied or, in one case, they needed more information. I have freezes on my credit lines due to identity theft that took place in XX/XX/2022, so that was why the accounts were not able to be opened immediately. However, someone is trying again. 

Two notices were from Citi Cards and one stated that they were denying it because of multiple applications submitted. I haven't called them because there is not a phone number anywhere on either notice. 

One notice was from XXXXXXXX XXXX for a XXXX credit card. They are the ones asking for more information. 

In XXXX  I received email notifications, so they were actually using my email. This time I haven't, so I assume they applied with a different email.
Product: Checking or savings account

On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  while a pedestrian. I was taken by ambulance to the hospital with a XXXX XXXX My wallet was never located but my card with Bank of America EDD account was used for over {$440.00} in charges. I filed a claim as soon as I was made aware of the fraud as my phone was shattered and it took time to replace. I have repeatedly requested all documentation that was used in the denial of my claim. They repeatedly send me a bank statement with no documentation explaining how this was used. They were unable to secure any ATM footage showing the ATM withdraw and claim I or someone I allowed used the card. They have failed to prove in any way there was no fraud. I have sent the claim to be reviewed and keep getting denied and even after filing a complaint with cooperate they just keep denying the clams and not producing the documentation and evidence they relied on to keep making the determination. It is illegal for any bank to withhold any documentation they used, or claim to have relied on. Yet they still wont produce a ATM video, evidence placing me with my stolen card, or have an explanation of what proves it wasnt fraud. As is law, the bank must prove conclusively that a transaction was valid and that the claim is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Transunion and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that TransUnion has not reached out to them and that they have not verified any information. I was informed that TransUnion uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that are negatively affecting my ability to obtain credit. I understand that the credit bureaus will investigate these discrepancies to ensure the information is correct. Below are the details of the account in question for your review and verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a PNC checking account on XX/XX/XXXX. At that time, I was told I am eligible for feee checks. One week later, I received no checks and called to find out that checks need to be ordered separately. I ordered my checks through Pnc representative on phone at the end of XXXX and was told the checks would be delivered in two weeks. Today ( XX/XX/XXXX ) I called to ask about the checks and was told the checked have never been sent out because the previous representative did not order the checks at all. I was told either to wait another two weeks or pay extra for expedited services. it has been over six weeks since I opened my account and use the bank as my only bank for my income. How can I pay my bills without fiscal checks? Why should I pay for the extra fees when it was the bank that kept messing up with my order. I am writing to request expedited checks without paying for that. 

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

Equifax will not delete the Bankruptcy from my credit report. They are violating my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account or public record without my written instructions.
Product: Credit card or prepaid card

Purchased an XXXX store card in XXXX and from XXXX the holding company / bank has not returned any calls or provided paperwork on the card. While attempting to close this card, the company has charged off the amount, the action being without notice to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name XXXX XXXX XXXX have a problem with equifax XXXX have send in my new address change and up date XXXX XXXX XXXX XXXX and I have send in letter to add them updated my address now is XXXX XXXX I call them up check my credit information and my score .now I find out they keep my credit score is to lower. No wander I buy my car is so high with inchit charging my XXXX XXXX is XXXX now equifax is on ly XXXX XXXX XXXX XXXX XXXX add the equifax why they said that how they use XXXX XXXX score .the I add them well XXXX use XXXX too they got XXXX score .and on XXXX equifax XXXX XXXX XXXX XXXX XXXX I need help here
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent 2 payments to another CashApp user, one for {$300.00} and one for {$350.00}. The other user didn't follow thru with the agreement, and I further found out the entire situation was a fraudulent scam. I contacted Cashapp thru their app, as well as requested the money be refunded by the other user ( which is CashApps first resolution suggestion ) and never received anything back.
Product: Credit reporting or other personal consumer reports

lam filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough inv

estigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which
mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have obtained a copy of my credit report and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, I sent to all 3 bureaus which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I request that an extended fraud alert is placed on my credit profile. I requested a block all of the fraudulent information listed below from my credit profile, listed on my ftc report in pursuant to section 605 ( b ) of the Fair Credit Reporting Act.

There has Not been no response from all 3 Bureau 's Is been 60 days from the time I notified all XXXX Bureaus on the following accounts XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Hard inquiry List XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Credit card or prepaid card

The 3 Credit Bureaus are reporting inaccurate information on BANK OF AMERICA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
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 USC 1681 Section 602 states i have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Name : XXXX XXXX XXXX : XX/XX/1989 Last XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity XXXX XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$500.00} XXXX  XXXX XXXX {$2700.00} XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$500.00} XXXX # XXXX {$1700.00} XXXX # XXXX {$7800.00} PHEAA # XXXX {$12000.00} XXXX  # XXXX {$4300.00} XXXX # XXXX {$5900.00} and XXXX # XXXX {$8600.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with Experian credit bureau the agency verified the same accounts. We agree Experian is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, My name is XXXX XXXX XXXXr from XXXX XXXX XXXX XXXX  NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

XXXX XXXX XXXX XXXX : {$75.00} -XXXX XXXX XXXX XXXX : {$59.00} -XXXX XXXX XXXX : {$150.00} -XXXX XXXX XXXX : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY ON CONSUMER REPORT this company obtaining my XXXX consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A I have not initiated any transaction with Midland Credit MGMT. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Midland Credit MGMT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that the Consumer Financial Protection Bureau investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureau told me that they got my XXXX  information from XXXX XXXX. XXXX XXXX told me that my XXXX  information was unveriable. The XXXX  court also gave me a letter that they don't report information to the credit bureau. So Please remove this XXXX  from my credit profile
Product: Checking or savings account

Navy federal closed my checking account without any knowledge due to being charged overdraft fees. My debit card was deactivated as well.
Product: Bank account or service

The Bank of America will not allow my daughter to be a co-trustee on a checking account.
Product: Credit reporting or other personal consumer reports

The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b . NO tracking number of the periodic statement that was mailed or Delivered XXXX days before my payment due date along with all the information required by section 1637 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in XXXX XXXX and Experian.
Product: Credit card

They locked my account for making payments on the account. I asked for have the account closed and my annual fee and program fee refunded and XXXX XXXX Supervisor refused to refund the program fee. He also refused to provide his manager. At which point I asked to keep the account open because I need to resolve the XXXX I paid for the program fee too if they won't let me use my account. I have never a credit card company that has issues with payments being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. Credit Acceptance reporting late payments with trans union and XXXX  on my report. with the months of this year.