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

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX 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. 

15 U.S.C 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. They did not fix security loopholes which they were notified of, and their negligence breached the privacy of 145 million Americans. They then knew about this, and did not notify the at-risk consumers for 6 weeks!
Product: Debt collection

I received a letter dated XX/XX/XXXX from IC System alleging that I owe them {$220.00}. I have never done business with this company nor have I ever heard of them until I received this notice. I sent a letter to IC System requesting debt validation as per the FCRA. IC System responded to my request on XX/XX/XXXX by sending photo copies of a cable bill, with nothing bearing my signature, and placed this account on my credit report. 

On XX/XX/XXXX I sent another letter to IC System informing them that according to the FTC opinion letter from Attorney XXXX XXXX XXXX, photo copies of an old bill does not constitute verification. This letter was signed for by XXXX XXXX at IC System on XX/XX/XXXX. 

As of today, XX/XX/XXXX I have yet to receive any type of communication from IC System. This alleged account still remains on my credit report and is being reported by XXXX, XXXX, and XXXX. IC System is in violation of the FCRA & FDCPA. 

I am requesting that this account be immediately deleted from my credit report because it is causing damage to my credit file.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Had a previous loan with onemain financial with co-signer and lien on vehicle at the few flaws on credit.My loan was paid off with good standing and earlier XX/XX/XXXX.How ever the office made several calls to borrow again, and loan offer invite letters.On XX/XX/XXXX i applied for smaller loan XXXX dollars I was told that not enough credit, or co-signer, or a vehicle.My credit has improved I feel because I receive XXXX and work part-time there using that against me and to mention a hard inquiry on credit lowering my score.I also believe there using people like me crifeteria to gain co-sign customers to enhance there business.
Product: Checking or savings account

When trying to link an external bank account my account was suspended pending ID verification. I called into the support line. The company emailed me requesting photos of my driver 's license and a photo of me holding a note. This was done through an unsecure email. I was told it would take up to 2 business days for ID verification and to remove the account suspension. Currently, it has been business 11 days, and my funds are still locked up. I have called into support 3 times and each time been told to wait 2 more business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 10 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 11 XXXX, XXXX XXXX, AUTOMOTIVE SERVICES, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Account number - XXXX  XXXX XXXX Important dates Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 XXXX 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit card or prepaid card

I believe in XX/XX/2021 someone applied for a surge credit card in my name and used it to the maximum limit of {$300.00}. However i was not aware until i started receiving calls from a number I did not recognize. This number would call really early in the morning or in the evening. Finally, I answered and they inquired about a payment. At that moment I let them know this card was fraudently opened. I asked them for the information they had on file ; they told me all my information. Everything was correct except my address. They had an address listed from a house I lived at five months ago. I went on to let them know i did not open this credit card. They informed me they would stop reporting this information on my credit report and close the account. They may have closed the account but it is still negatively affecting my credit report and is still listed. After doing my research i looked at their reviews on XXXX and I'm not the only person who has experienced this there are at least 25 people who have similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 6 POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of XXXX. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in Arizona constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX is licensed to collect debts in XXXX. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX account. 

Documentation from the XXXX XXXX XXXX XXXX showing that XXXX XXXX is not licensed to collect in XXXX 

I request that you complete your investigation and provide a response within the XXXX timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

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

My 3rd submission was supposed for remaining fraudulent inquiries only, but that only applied to my XXXX and Equifax Credit Reports, as I see no removal whatsoever in my XXXX Credit Report, that I am a victim of identity theft and I write to the 3 Credit Bureaus to dispute the should be remaining inquiries in my file resulting from the crime. But the XXXX did not give attention to my Fraudulent Inquiry Removal Request. Again, the inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please remove these fraudulent inquiries, especially the inquiries still reporting in my XXXX credit report : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries on my Transunion report that I did not give consent. They are unauthorized and not for my benefit. Pleas block and remove the following : XXXX XXXX Inquiry date XX/XX/2023 XXXX  Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XXXX XXXX, 2023 XXXX XXXX  Inquiry date XX/XX/2023 2023
Product: Debt collection

I was sued by the credit card company and load the debt in full. The debt has since been discharged by the courts because paid in full.
Product: Debt collection

I'm recently financing 16 solar panels through Renovate America. 
According to their records they have me financing 20 solar panels. 

I only have 16 on my roof. 
I've asked for someone to come out and give an inspection, but the only response is we'll call you back. Its been 3 weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to get a car at XXXX and now I have XXXX Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX VG XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has removed an XXXX XXXX  account without mine or XXXX XXXX  consent. 

They have removed several open accounts from my credit report. 

It is my intention to report them to the FDIC, XXXX XXXX XXXX and to bring Federal charges against them within the next 30 days for violating FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car in XX/XX/XXXX using Regional Acceptance Corp as the financing company for the vehicle. The vehicle was repossessed in XXXX or XXXX of XXXX. That information was reported correctly on my credit report. However in XX/XX/XXXX, Regional Acceptance Corp has indicated on my credit report that the vehicle in question was repossessed in XXXX of this year ( XXXX ). The account was actually charged off in XX/XX/XXXX, but according to the 10-99 tax form I received this year it was charged off on XX/XX/XXXX. 

I filed a complaint through XXXX  and XXXX about the inaccurate repossession date information. I have not received a response from XXXX, but I did receive a response from XXXX. Regional Acceptance Corp has now reported the repossession date as XX/XX/XXXX. It appears on my credit report that I have had this vehicle since XXXX with delinquent payments every month until the repossession on XX/XX/XXXX. This is not accurate.
Product: Mortgage

My name is XXXX XXXX and we have a first and second mortgage with US Bank. Due a business venture that did n't pan out, we eventually had to file a chapter XXXX bankruptcy with a discharge date of XXXX XXXX, XXXX. 
We were able to get our first mortgage modified after a 3 month pre-trial period in XXXX. The second mortgage was supposed to be modified along with the first but was eventually denied for reasons unknown. 
We decided recently to apply for again for assistance on the second mortgage modification in XXXX of XXXX, and were eventually granted a 3 month pre-trial that finished in XXXX XXXX. Since then however, no permanent modification has been presented even though we continue to make payments for the pre-trial amount. Foreclosure sale dates have been pushed back numerous times as well as this lingers in review. My relationship manager continues to say she is waiting to hear from her supervisor whom is waiting to hear from management on the status of the modification paperwork. We are hoping to have this holding pattern cease and the permanent modification plan to be presented so that we can get this loan fully back on track.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate corrective action regarding the handling of my credit report following the 2017 Equifax data breach. As you are aware, this breach exposed sensitive personal information, including Social Security numbers, birthdates, and addresses, making me vulnerable to fraudulent activity. 
In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any fraudulent information resulting from identity theft removed from my credit report. This includes accounts, inquiries, or any other data related to the breach. The FCRA explicitly mandates that this information be blocked promptly, and I expect your compliance with this requirement without delay.

The breach has directly exposed my personal information to unauthorized individuals, significantly increasing the risk of identity theft. Under the law, you are obligated to ensure that any information resulting from this breach is thoroughly reviewed and permanently removed from my credit report. I request that you take all necessary steps to investigate and address this matter immediately.

I require written confirmation that all fraudulent entries have been identified, blocked, and removed, as well as a detailed explanation of the actions taken to resolve this issue. Please understand that timely action on your part is critical to protecting my financial well-being.

Failure to promptly address this matter may leave me with no option but to escalate my concerns to the Federal Trade Commission ( FTC ) and explore additional legal remedies under the FCRA. I trust that you will treat this matter with the urgency and seriousness it demands and look forward to your prompt resolution.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was searching for a cabin to rent in Tennessee for a family vacation from XXXX XXXX XX/XX/2022. I was contacted by private message from XXXX XXXX XXXX stating that he had a cabin that I was looking for. He sent me a link for a XXXX listing, when I asked why the dates I needed were unavailable I was told he had a cancellation. So after talking it over with my family I agreed to rent the cabin. XXXX sent me a rental agreement with the company name of XXXX  XXXX XXXX which I filled out and returned to him. I sent him a deposit in the amount of {$700.00} via zelle on XX/XX/XXXX and then a final payment of {$690.00} on XX/XX/XXXX. I received an invoice for the payments via email. 
On XX/XX/XXXX I tried to contact XXXX to confirm the check in and he was no longer online and would not return my email. So I looked up the listing and contacted the company XXXX and was transferred to XXXX XXXX XXXX I spoke with one of the representatives and asked about my rental and was told that I did not have a rental booked and that XXXX did not work for them they told me that I was scammed but didnt offer to help me find another cabin. 
I immediately contacted my bank and they put in a dispute with zelle and I was told that it was denied and nothing else can be done to recover my money.
Product: Bank account or service

I wrote a check for {$220.00}, and Wells Fargo posted the check for {$2200.00} which overdrafted my account by {$1700.00} and left me with bills to pay and just a few XXXX in my bank account. They told me there was no recourse I could take and that it would be XXXX days before I can get my money back, even though this was by no fault of my own. I am now left to live on {$150.00} for however long it takes them to fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting. The new laws installed XXXX XXXX, 2017 XXXX new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I have the problem with the bankruptcy criteria that has not been met with reporting it to Equifax. Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Equifax. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping. This is my second complaint. Equifax responded to my first complaint with an untrue statement, ( Company responded there is an unauthorized third party ). They use the statement as a stalling  device. During my disputes prior, they have sent me the same letter with this untrue statement. Every dispute or complaint I have submitted has my personal detail correctly documented on each form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 someone tried to obtain credit services from XXXX XXXX XXXX I got a notification from my credit monitoring service, I called XXXX withing minutes, they were able to stop the account from being opened, they sent me a letter the following day stating that it was fraudulent, and that I was not responsible for it. Also they stated in their letter that they will notify Equifax to take the inquiry off my credit report. I have been waiting since XXXX XXXX, I have called XXXX over XXXX times, they keep telling me that they sent out the letter for removal but Equifax tells me they have not received anything from XXXX XXXX XXXX. 
Equifax tells me they haven't gotten anything from XXXX XXXX XXXX and they redirect me back to them. Its an endless loop. 
I have filed a police report, which I will upload to you as well
Product: Credit reporting or other personal consumer reports

Hello, Please fix the reporting of 30 days late in XXXX of 2024. On XXXX XXXX apayment was submit ted. This payment was returned, and Apple did not notify me until I noticed my credit score dropped from the late reporting. Apple customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. Apple customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.
Product: Checking or savings account

I was charged for a service I never received. ( Charged on XX/XX/XXXX ) and ( XX/XX/XXXX ) I disputed the charges and the bank issued a temporary credit ( XX/XX/XXXX ) the bank sided with the merchant and reversed the transactions. I do not want to be charged for fraud. They reversed the transitions on ( XX/XX/XXXX ) & ( XX/XX/XXXX ).