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

I closed my Aspire credit card on XX/XX/23. The account has been reporting wrong for the past two months! Its still reporting open, still reporting a high utilization and as of XX/XX/23 a late payment was reported! This has damaged my XXXX credit XXXX! At the time of my account closure on XX/XX/23 my payments were current and not late! I have disputed three times with XXXX and they say aspire says its open! But when I contact aspire they send me emails confirming the account closure date and I send that to XXXX and nothing gets fixed! I was denied an apartment due to this error hurting my credit! I just get generic responses from aspire customer service or they deflect the issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our closing has been rescheduled 3 times because the loan processor keeps losing our paperwork.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
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 consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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

15 U.S.C. Section 604 A Section 2 its 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 following items of information Any other adverse 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax has done zero investigations on my credit file ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Escalation Department XXXX XXXX XXXX XXXX GA XXXX XXXX/XXXX/XXXX RE :  Confirmation # XXXX To Equifax Escalation Department : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following item / items can not be verified, please delete it / them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( see enclosed XXXX report ) XXXX XXXX XXXX ( see enclosed XXXX  report ) XXXX XXXX PUBLIC FILINGS XXXX ( this item has no information pertaining to me ) COLLECTIONS NO COLLECTOR NAME XXXX {$400.00} ( see enclosed XXXX  report ) How is Equifax able to verify these items when other agencies can not?
621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please send a complete updated copy of the credit report. 

The clients contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX CC : FTC ( Electronic complaint )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX XXXX ; Account Number : XXXX ; Opened On : XX/XX/XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened On : XX/XX/XXXX - XXXX XXXX XXXX  ; Account Number : XXXX ; Opened On : XX/XX/XXXX These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting or other personal consumer reports

Potential FCRA Violations or Reporting Issues : Inconsistent or Contradictory Data : The reporting contains discrepancies in the following fields : Date of Last Activity : Two conflicting dates, XX/XX/year>XXXX  and XX/XX/year>. 
Date Reported : Two different reporting dates, XX/XX/year>XXXX  and XX/XX/year>. 
Closed Date : Two conflicting dates, XX/XX/year> and XX/XX/year>. 
This is a violation of FCRA standards requiring accurate and consistent reporting. 
Ambiguity in Account Description : The account rating and status ( " XXXX '' ) are unclear and do not follow standard terminology. This could mislead users and is a possible violation under FCRA for failing to provide clear, understandable information. 
Dispute Marking : The status shows both " Account not disputed '' and " Account information disputed by consumer. '' This inconsistency suggests either the creditor or credit reporting agency failed to update the dispute status properly, a violation of FCRA Section 623 ( a ) ( 3 ). 
Lack of Supporting Details : Missing key fields such as : Payment history Last payment date Term length Past due amount Incomplete data violates the FCRA requirement for furnishing complete and accurate information. 
Collection Status : The account is reported as " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' If you have disputed this or if the information is inaccurate, the creditor is obligated to correct or remove the entry. 
Original Creditor Issue : The original creditor is listed as " XXXX XXXX, '' but there is no indication of validation of the debt. If this debt was sold or transferred, you have the right to request proof of assignment or validation under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

For my transaction with XXXX on XX/XX/XXXX, I have submited disputes to Citi and requested a police file from XXXX XXXX for the non-delivery of purchased item of value {$1900.00}. 

Citi closed the claim in XXXX 's favor despite abundant evidence from me and no evidence provided by XXXX. By law it is Citi 's fault and responsibility to reimburse the lost value due to its negligence in investigation, however Citi refuse to provide such a fund. Consumers should not bear the responsibility of loss when all duties, and when their financial institution does not serve their duties. 

XXXX : this fund and its following processings has lowered my credit score in Citi 's retribution. I hereby request Citi to remove and mend any damage done to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank account was Hack on XX/XX/XXXX or XXXX they drain my account, plus they took out loans, and credit card avance, on my credit card. we went to the Branch office to straight it out, they said that eveything looks good I got my money back, But on my credit report they say I still own XXXX dollars. I did not open a loan account you can look and see that I didn't sign any kind of loan papers. we do not deal with PNC anymore our accounts are closed
Product: Credit reporting or other personal consumer reports

I disputed the credit amount and ending balance on this XXXX XXXX XXXX account to be inaccurate by letter, I sent similar letters to Equifax and TransUnion with proof of receipt ( see doc. # XXXX and # XXXX ) with a detailed explanation of wrong payment amounts posted by the original creditor and the omission of data when transactions occurred ( see doc. # XXXX # XXXX # XXXX ) I provided the original Experian report p1, p2, which contains the Actual Amounts Paid ( AAP ) listed in the account history ( see doc # XXXX and # XXXX ) I received a letter dated XX/XX/XXXX XXXX from XXXXXXXX XXXX customer service XXXX which stated a review of this account showed an incorrect balance, and the account was credited XXXX ( see doc. # XXXX ) Please note my account was charged off in XXXX and purchased by XXXX in XXXX ( see doc. # XXXX ) the credit given suggests an active account ; a charged-off account can not be legally credited by original creditor, suggesting this is a mixed file and no consideration of documentation at all! the result of their investigation ( see doc # XXXX ) was verified as accurate!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance {$3000.00} XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Someone used my credit information without my authorization
Product: Mortgage

im on a forbearance program and every time i call and asked for the modification to be done i get a run around one person told me not to do anything ill get a letter in the mail the other people are telling me to apply for the modification no one cant get me anything done and I'm getting tired of people talking to me like im stupid and i don't know what im talking about every time i ask for a supervisor they refused to put one on the phone and transfer me to customer serviceher id # was XXXX or XXXX
Product: Credit reporting or other personal consumer reports

I sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. No information was ever received and still showing accounts of debt buyer with wrong open date and should be off my report as original creditor is older than 7 years and another that belongs to someone else. both are collections and negatively affecting my credit.
Product: Debt collection

I have an account negatively reporting on my credit report as EOS CCA dated XXXX which was from an original creditor XXXX XXXX XXXX from XXXX XXXX. I would like this to be taken care of. I 've disputed this and they did nothing
Product: Debt collection

XXXX / XXXX / {$0.00} XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXT ) / XXXX / {$2100.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/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  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I have been getting harassing phone calls from Navient one minute they say I owe this amount then they call with other saying iam going to be contacted by a law firm which will be taking legal action they are harassing with all kinds of number please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian wrote stating that XXXX XXXX and XXXX XXXX court verified a bankruptcy on my credit file. There is no said bankruptcy on my XXXX XXXX report and the court house does not report to 3 rd party vendors. XXXX and Experian failed to investigate by contacting XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Money transfer, virtual currency, or money service

I reported a claim of an unauthorized fraudulent XXXX transaction to my bank, Wells Fargo. Wells Fargo denied my claim. It should not be denied because an unauthorized person gained access to my mobile phone and made an unauthorized transfer of {$2000.00} without my knowledge, consent or approval. Under Regulation E, this was an Unauthorized Funda Transfer and Wells Fargo should provide relief, approve this claim and reimburse my account with the {$2000.00} which was transferred electronically without my authorization, consent or knowledge. Thank you.