23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX SVC Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report..
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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

XXXX XXXX  Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting Act these convergent accounts has violated my rights. 

15 U.S.C 1681 section 602 A. -States I have the right to privacy.

15 U.SC 1681 Section 602 A Section 2- Also States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Before signing up for the Chase Sapphire Preferred card, I spoke to a Chase CC specialist who informed me the annual fee would be waived for the duration of my schooling since I had no active income. I procured the card and have made full, on-time monthly payments for over one year. I was charged the annual fee thus XXXX XXXX and spoke with a CC specialist and a manager today. The manager informed me ( 1 ) there 's no notation of the agreement on my chart ( which makes sense because I called before I had an account to confirm this was possible ) ; and ( 2 ) " that person ( who confirmed the waiver ) is probably not working here anymore ''. Both of these points are beyond my control and do nothing to address the fraudulent way I was convinced to apply for a credit card. When I mentioned filing a XXXX report, the manager told me to write a letter to the Chase Bank Executive Office, but that a waiver would be impossible.
Product: Mortgage

I had a bankruptcy 3 years ago and at that time I had a loan from Wells Fargo but this loan was not included on the bankruptcy .But now when I check my credit report it is in there as part of the bankruptcy. This loan was paid off in full and never even had a late payment. I contacted Wells Fargo remove this from the credit reports but they said they could not. I do not know where to proceed next to get this off my credit report.This is impacting my credit and I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX
Product: Debt collection

I got served papers through certified mail. Im not sure how everything works so i was waiting for my day in court to explain my situation to the judge. then i received this judgement in the mail only 30 days after i learned that i had been turned into collections. I was paying the agreed upon amount monthly to the clinic and they decided to turn me in anyway. Please help with this issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XXXX XXXX, XXXX I received email from Paypal that they are debiting ( charging ) my account because I received duplicate credit for following transaction Dispute Case ID XXXX Transaction Amount {$310.00} USD Dispute Amount {$310.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Also for same reason Paypal Credit ( XXXX  XXXX  ) charged me {$300.00} on XXXX XXXX, XXXX For last two weeks I have made several calls and sent several notifications to Paypal about this issue and seems like no one is willing to help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and discovered several inaccuracies in the personal information reported. It has come to my attention that you are reporting information that is inaccurate or does not belong to me, which is not only concerning but also has potential repercussions for my financial well-being. 

I am writing to ensure that my credit file contains the most accurate information possible at all times. Therefore, I kindly request that you delete the following inaccurate information contained from my credit file within the next 30 days. I have provided current and correct information for each category to be updated along with proof of identification in the attached document. 

If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 

Under the provisions of 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with written instructions from the consumer to whom it relates. Despite this legal requirement, Experian has knowingly furnished my consumer report with inaccuracies on multiple occasions without having received written instructions to do so and is a violation of my privacy rights. These actions have caused significant difficulties in obtaining needed credit. 

I trust that you will address this matter with the urgency and seriousness it deserves. Failure to correct these inaccuracies within the specified timeframe may result in further legal action and the seeking of monetary damages for violations. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I deposited a {$15000.00} check into my savings account from my car insurance as a result of a crash the bank put a seven day hold on it. I requested that they released the hold and produced documentation showing the check was legitimate from an insurance company as result of a crash was told the check would be released within 24 hours. The check was not released for nearly 128 hours after being told to check would be released in 24 hours. This unreasonable resulted in excessive fees for a rental car and loss of a car we are attempting to purchase. The bank gave me multiple reasons stating that the check was a bad check on the insurance company that the insurance company had a tendency to cancel checks and then they told me that I forged the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX ...., has violated my rights XXXX XXXXXXXX XXXX ...., Has violated my rights XXXX XXXX XXXX ...., Has Violated my rights XXXX XXXX XXXX ... .., Has violated my rights. 

15 USC 1681 Section 602 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 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 report as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected accounts XXXX XXXX All XXXX XXXX  XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX XXXX XXXX All XXXX XXXX  XXXX XXXX All XXXX XXXX XXXX All XXXX XXXX XXXX XXXX All XXXX XXXX XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX,
Product: Money transfer, virtual currency, or money service

I was told this a legit business and they sent {$15000.00} check to deposit into my account and I was told to send money yhru cashapp and XXXX  send yhe checks were bad and it cost me around {$3000.00} of my own money to find it was a fraud.
Product: Credit reporting or other personal consumer reports

This account is showing on my report as closed as of XX/XX/2023. Today, a late payment was hit on my account, dropping me XXXX points. I do not understand how a closed account with no history of late payments can suddenly do this and drop me XXXX points. If this account is closed, it should not be able to make updates to my report 3 months later.
Product: Credit reporting or other personal consumer reports

Today I decided to review all my credit reports. In my review I discovered so many inaccuracies. I prepared a letter of an investigation for XXXX, Transunion and XXXX to conduct a proper investigation on each accounts listed within my letters. 

According to the FCRA all information reporting on my credit report must accurate and complete. There are plenty of inaccurate information. This type of action can cause me from growing my business and purchasing a home.
Product: Credit reporting or other personal consumer reports

I received my consumer reports and noticed they're showing a late payment in XX/XX/2021 and my account was never late. I've reached out to the company multiple times and never got a resolution. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I was never late on payments for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand these payments be updated to on time as they should be because I was never late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.
Product: Credit card

Im not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on KIKOFF LENDING LLC. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. KIKOFF LENDING LLC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional Finance Services this  company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Formal Complaint Against Experian for Non-Compliance with Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to file a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple written requests, Experian has failed to remove unauthorized and unverifiable credit inquiries and accounts from my credit report. These requests have been ignored or inadequately addressed, resulting in continued inaccuracies that have damaged my credit. 

Summary of Events : First Dispute Sent : On XX/XX/year>XXXX, I sent a letter to Experian requesting the removal of multiple unauthorized hard inquiries and accounts, such as those from XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  I also requested verifiable proof of these accounts to comply with the FCRA ( XXXX  ). 

Second Dispute Sent : On XX/XX/scrub> XXXX, after receiving no resolution, I followed up with a second letter. I requested Experian to provide the procedures used to verify the disputed information and reiterated that failure to comply would be a violation of federal law ( XXXX ). 

Third Dispute Sent : On XX/XX/year>XXXX, I sent a third letter asking for the removal of the same unauthorized inquiries and accounts, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Despite my ongoing requests, these inaccuracies remain on my credit report ( XXXX ). 

Items to be Removed : XXXX XXXX, Hard Inquiry, XXXX XXXX  XXXX XXXX  XXXX, Hard Inquiry, XXXX XXXX XXXX XXXX, Account : XXXX XXXX  XXXX XXXX  XXXX, Account : XXXX... ( and others ) Request for Investigation : I am requesting that the CFPB investigate Experian 's failure to comply with the FCRA. I am also requesting the immediate removal of all unauthorized and unverifiable items from my credit report, as required by law. I have attached copies of the dispute letters and supporting documentation to substantiate my claim. 

Thank you for your attention to this matter. Please contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

XXXX/Citibank opened more than 25 years ago I wrote both companies, called both companies. I filed an Unemployment claim back in 2013 at No time did either state. I did not have coverage. Now I am told that the coverage I had expired prior to my claim. Nothing was ever sent to me nor was I told until I tried to get them to pay. Sadly, I purchase something that when I needed it I am told I have nothing. I can not trust this is truthful as the argument previously by XXXX was it as Citi 's place to pay this account off as n insurance claim. Instead it was sold to a Collection Agency when it was an Insurance Claim. I need your assistance to get this paid and resolved.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX