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 rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC 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. ( 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 USC 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. 

Also they aren't in compliance with Public Law 91-508 & Amendments or Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been attempting to have a collection item removed from XXXX XXXX that has been reporting on my credit report. 

I have never had an account with XXXX and I do not know why it continues to show up on my credit report. 

I have tried disputing this information with XXXX XXXX themselves and they first provided me with an unknown name and address on the account. They admitted that the only thing that matched on the account was the last four of my social. 

XXXX refused to stop reporting this information to the bureaus, so I then reached out to XXXX ( Account # XXXX ) and Equifax ( Account # XXXX ) to dispute it with them. I explained to them that I have never had an account with XXXX and I asked them to provide proof that this debt was mine. 

Neither XXXX or Equifax ever provided me with proof, but they both came back and stated that it was verified. 

Because of this deliquent account on my credit reports, I have been denied for a home mortgage, and I also have incurred higher interest rates for other credit cards I have since applied for. 

When I called and tried one last time to have this item removed from my credit report on XX/XX/2022, XXXX XXXX made me pay them {$210.00} and after I made the payment during the phone call, they blatantly told me that they refused to stop reporting the item to XXXX and Equifax - even though they had just forced me to pay {$210.00} for a debt that was never even mine. I have this phone call recorded and I am happy to provide a copy of the call and blatant violation upon request. 

Having this fraudelent item on my report has cost me thousands of dollars and so much heartache, and I demand that it be removed from XXXX and Equifax and I also demand {$1000.00} compensation for the FCRA violation that all three of these consumer reporting agencies made against me when they KNOWINGLY continued to report false and fraudulent information on my credit report ( and not providing a single piece of proof that this debt ever belonged to me ). 

According to 15 USC 1681, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I have new and updated information on Transunion. 
I recently submitted a complaint through the CFPB regarding my right to receive correspondences electronically through the CFPB. Trasnunion responded with allowing up to 60 days to review. I am aware that within exercising my rights to dispute any inaccurate information on my consumer report I am entitled to 30 day dispute process from Transunion and that 30 days can only exceed 15 days out if I provide Transunion an updated information regarding the dispute. 

I am also aware that if I exercise my to right to receive the details of the investigation that those details must provided within 15 days of the date requested.
Product: Credit card

To begin, I have a credit score above XXXX and XXXX personal accounts 1 a joint account, 1 XXXX  visa, 1 business account and 1 business credit card with Chase. I applied for a Southwest visa through Chase, and was declined. When I reached out to Chase, I was told by one person ( XXXX ) that I was declined due to a history of an over draft account ( the joint account that I don't use ). I was then told by another person ( XXXX ) in the Credit card department that based on my XXXX report, I was declined. Again, I have several accounts with Chase, I have a history with Chase of over 23 years, and a credit score over XXXX. To be decline with my stellar credit history is offensive and at this point I have have to consider that this may be a case of discriminatory practices, which Chase has a history of!
Product: Consumer Loan

This is an issue with Santander Consumer ( auto lender ) who is constantly reporting a negative balance of XXXX that has been charged off. I 've paid the full principle balance of the loan. There was a dispute concerning late fee, but Santander never provided any documentation justifying any fee 's
Product: Mortgage

Hello, My issue is getting in a payment for fees, and the start of the process. Since the begining miscommunication, and now that the final fee they sent is owed. I sent in an ACH payment on XX/XX/. The payment was not processed. XXXX XXXX is now telling me that my bank is to notify them when a payment has been made to their company. This makes no sense as they are requesting the payment. They did not process or did anything for weeks about my application. Then once they moved on the loan the terms for their XXXX  program changed. I was then put into a program, where I was put under pressure to sell my home quickly and since rates were fluxuating it took a minute to sell. Then on top of it, I was charged rent, fees and XXXX. XXXX for move in fees. The XXXX stated that was only a deposit, if damages were incurred while moving in. I paid that fee and now I am being charged for it again from this company. I feel this is just a fee, and when I mention to the XXXX team about it. They just said those are fees incurred. This company now is asking for the fee of XXXX. I emailed and mention to them. I paid it and used their XXXX form. There now saying the bank needs to notify them. I feel this company is just making it very difficult to work with. I am very frusterated as it seems they do not know what they are doing. They should not be listed in XXXX XXXX if they can not provide a service correctly.
Product: Credit reporting or other personal consumer reports

on XXXX of XXXX I went into a navy federal institution to get some money out of a business account. I was then asked for my personal account information. after giving the teller the information needed she then stated that I have XXXX personal accounts one attempted to be open in XXXX but no transactions where ever made on the XXXX account .then in XXXX I opened another account not ever told that an account was already open. I stayed in the bank for over an hour waiting on the phone to talk to someone who could help me. After a few minutes into the hour the XXXX said that she could get the XXXX  to put in a fraudulent report on the XXXX account. But when the XXXX  made the report she instead put in a fraudulent report on the XXXX account that I had been using for over 2 yrs at that point. Then unknowingly the account was closed and I have companies automatically withdrawing and do to the fact that the XXXX  made the error and didn't correct it a lot of my accounts were closed do to the XXXX  putting in the fraudulent paperwork on the wrong account. The process went on for over 6 months where the XXXX  at all other banks told me to appeal the decision because it was the XXXX  fault. But after everything was all say a done I was kicked out of navy federal for the XXXX  putting in the wrong report. I was also told by there securities department to obtain a lawyer if I wanted to move further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX me and my husband ( XXXX and XXXX XXXX ) went to XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, NC XXXX and purchased a XXXX XXXX XXXX. We traded our XXXX XXXX van ( that was paid in full ) on this transaction. I had automatic payments set up to be debited out of my account. After two monthly payments XXXX XXXX could not come up with a permanent tag. We were issued three temporary tags from the time we purchased the vehicle. Fed up because we could be pulled over and fined for having a outdated temp tag we contacted the department of motor vehicles and they fined XXXX XXXX. Even after that incident we asked if we could get another car but we were told no, so me and my husband decided on XX/XX/XXXX that we wanted our trade in back and this vehicle purchase removed from our credit report without having a negative impact. The vehicle was gone so XXXX XXXX did give us a {$1000.00} but he failed to send the finance company Consumer Portfolio Services the money because we returned the vehicle. We have since then talked to XXXX XXXX at CPS and he states that he has not received a check from Driven but XXXX XXXX states that its " in the mail ' We have contacted XXXX and the BBB concerning this matter. XXXX XXXX has failed to keep us updated in this matter and when we try to contact him, he is either out of the office or they hang up on us. This has taken a great toll on us financially and mentally. My husband ca n't work his second job because we went from a two car household to a one car household. We ca n't purchase another car because this loan is showing negatively on our credit report and our credit score has dropped XXXX points.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I received in my credit report an account that appears in collection with an opening date of XX/XX/XXXX. under the name of FRONTILINE ASSET STRATEGIES. 

I have never made an account with this company, so I kindly ask that this account be removed from my credit report. 

I am attaching a copy of the credit report where I demand that all the investigations be made and that all the laws imposed by the FCRA be complied with where the complete information of said account is shown which I do not have an account with XXXX. 

In the credit report, as you can see, neither the date of opening of that account, nor the payment history of this account appears. So I request that all the investigation be carried out and once completed, all the documentation is sent to me to verify said account since the account that appears in my report does not belong to me, much less I make any account opening in XXXX nor do I have a payment history.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my XXXX XXXX report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are XXXX damaging to my chance of owning a XXXX, getting a XXXX with a XXXX XXXX  or even XXXX XXXX. I was denied use of my XXXX recently that brought this to my attention. I have researched the XXXX process and I am aware that you must complete your investigation within a XXXX time frame. 

XXXX Information The correct and only spelling of my name is XXXX XXXX XXXX XXXX REMOVE all other inaccurate information. 

REMOVE any XXXX other than XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate accounts XXXX. The XXXX are in XXXX on accounts. 
XXXX. The date of the XXXX XXXX are inaccurate. 
XXXX. The date XXXX are inaccurate. 
XXXX. The XXXX XXXX is incomplete on accounts. 
XXXX. The XXXX XXXX is incorrect. 
XXXX. The XXXX XXXX is incomplete and inaccurate. 

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 XXXXXXXX Also I do not or have not done any business or have an XXXX account with any of these people. 

Inaccurate Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please take the time and consideration to remove the incorrect information from my XXXX report XXXX within our XXXX struggling the way that it is, I can not afford to have inaccurate information negatively affecting my XXXX XXXX. I will await an updated copy of my XXXX report to reflect these changes within XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report. 
XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2400.00} {$0.00} {$2400.00} Credit Limit : {$2200.00} {$2200.00} {$0.00} Past Due : {$2400.00} {$2400.00} {$2400.00} Payment Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Dear American Express, I request that you provide me with your general liability insurance information. Specifically, I request that you disclose the name of your insurer who indemnifies you for engaging in injurious business practices, whether those are business practices which are injurious to yourselves or your customers. Please provide me this information in response to this CFPB request.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to XXXX credit bureau with no resolve. XXXX XXXX XXXX, XXXX is reporting XXXX XXXX XXXX XXXX, LA XXXX and Transunion is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


Transunion has my name known as XXXX XXXX which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous XXXX 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 an alleged fraud or extortion. XXXX XXXX XXXXXXXX XXXX. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : XXXX XXXXXXXX CARD 42668417****Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion To investigate inaccurate information in my credit report they said was verified accurate Showing that they are not investigating anything A a violation of the credit act Also isnt any signature from my in one of this contracts from acceptance now that I dont recognize. How is verified if is no signature XXXX XXXX didnt provide this proof either And all this accounts dont match with the last date active In either of the credit bureau agencies There are many FCRA violations And Im tired of complaining and no solution No signature in contracts and how this is verified? 
Anybody could do that contract with acceptance now or XXXX XXXX This Bureaus are not investigating anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in dispute letters to Experian, XXXX, and XXXX XXXX for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.
Product: Credit card

The problem started when I disputed a {$200.00} credit card charge. My initial dispute was caused by not recognizing the charge, but ultimately it turned out that the dispute basis was for merchandise not received ( a gift certificate ordered in response to the merchants XXXX XXXX promotion ). The merchant also charged the wrong amount, failing to honor the promotion it sent me, and then never sent the merchandise it claims it delivered. The merchant never provided proof of delivery, and never provided any evidence that the gift certificate was used or otherwise applied. 
Ultimately Citibank would not credit me the {$200.00}, saying the merchant would not honor the chargeback. I objected to Citibank, stating the fact that the merchant will not honor the charge back is consistent with this fraudulent business practice ( not honoring the promotion and not delivering the gift certificate ). 
Thereafter, when I asked the merchant about the missing gift certificate, it was sent to me. I was told it was good for any merchandise and it did not expire. 
Later, when I tried to use the gift certificate, the merchant told me that because of the charge back request, the gift certificate was voided and I was banned from ordering anything from the merchant. 
I immediately wrote to Citibank, asking for the dispute to be reopened, and reiterated the events where the merchant refused to honor the charge back, but has voided the gift certificate and banned me from any transactions, and asked that the {$200.00} credit be reinstated permanently. Citibank refused my request without any explanation ( enclosed ). 

In effect, Citibank has partnered with the merchant to steal {$200.00} from me. This is not what I expect from a major national bank, and if it is not illegal, it should be.
Product: Debt collection

I have XXXX XXXX from Merchants Credit Association contacting me at work after I have asked to not contact me at work. I left a voice message indicating to her not to contact me at work and she keeps contacting me at work. They have my home phone number and will call everyday and not leave a message.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2023, and I have not yet received a response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXXI Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. Validate account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX account XXXX Account Number : XXXX Please remove it from my credit report