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

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX  report and found that you are illegally reporting XXXX XXXX XXXX information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$490.00} XXXX, XXXX XXXX, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite XXXX XXXX Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove XXXX  information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX To de pot a end. 
well as this account removed. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX appears on my credit report. It shows I am an authorized user. I called this XXXXXXXX XXXX and they had no record of me in their system. 

I called and had XXXX XXXX and experian remove this from my credit report. 

However I am having difficulty getting equifax to remove. I am being told different things by equifax. Can you please help me get equifax to remove this from my credit report?
Product: Credit card or prepaid card

On XXXX, XXXX, 2019 while traveling on XXXX XXXX XXXX from XXXX XXXX, Puerto Rico to XXXX, NY I was offered a XXXX XXXX credit card application. I just received a denial because I am a Puerto Rico resident. This is a discrimination based on my national origin. 
XXXX officials handing applications knew that people on that flight were PR residents. Nobody stated that this was a card exclusively for USA residents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX  to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted Transunion to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from XXXX XXXX XXXX  and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 
As well as XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Have XXXX my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 

XXXX XXXX Section XXXX states I have the right to privacy. 

XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

my father company file bankruptcy XXXX XXXX and his name is XXXX XXXX XXXX. this is not my filing
Product: Credit reporting or other personal consumer reports

I am filling this complaint to address issues concerning unauthorized inquiries on my credit report. These clearly violates my privacy and are fraudulent. Remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018, i sent Exoerian a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! 

The Only address that should be listed is XXXX XXXX XXXX XXXX , XXXX XXXX, Va XXXX My name is XXXX XXXX or XXXX XXXX all other name variations must be deleted This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail. They have failed to update their database, and the entries should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has blocked me from starting an online dispute today XX/XX/2020. I want to address XXXX   XXXX, that inquire my credit report with TransUnion, that they are refusing to accurately report credit information regarding bankruptcies XXXX & XXXX. I have filed a new lawsuit against TransUnion as of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX looked at my report and deleted XXXX inquirys XXXX from complete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX look at these and delete those that dont stand up if i get rid of XXXX of XXXX these ill be happy and wont complain again lookinto these please and delete
Product: Debt collection

For the week of XX/XX/XXXX-XX/XX/XXXX I have been receiving debt collection phone calls from Portfolio Recovery Associates about every other day. They don't leave messages, and when I call back they refuse to provide information on the debt that is supposedly owed. I spoke with a woman today who kept trying to dodge my questions and ask who I was and what my phone number was without confirming the name or address of the debtor she was supposedly trying to reach. Authentic debt collectors know who they're contacting so I knew it was fishy when she wouldn't tell me. I asked her to send me a validation letter and she gave me excuses and told me I was " making it a lot harder than it had to be '', for just wanting to confirm I wasn't giving information to a phony company. The most suspicious part is that I don't have any debt so I was very curious what they're trying to do by calling me at all.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding the handling of a fraudulent transaction involving my XXXX account with Wells Fargo. The details of the incident are as follows : On XX/XX/XXXX, I became aware of a fraudulent transaction to my XXXX account. The funds were transferred by an individual who had been scammed on XXXX in a separate transaction involving the purchase of XXXX XXXX. Initially, I was under the impression, based on information from a coworker on XX/XX/XXXX, that this transfer was legitimate and intended for their relative. 

Shortly thereafter, on XX/XX/XXXX, I was contacted by the individual who had made the XXXX transfer. Due to the circumstances and without verifying the legitimacy of their claim, I did not provide my identification to them. Subsequently, this person initiated a complaint with Wells Fargo to investigate the transaction. 

Despite my attempts to clarify the situation and explain that the funds had been sent under false pretenses, Wells Fargo proceeded to close my XXXX account without sufficient communication or investigation. It was only later, on XX/XX/XXXX, that I discovered the true nature of the transaction and was able to contact the person who received the funds fraudulently. Together, we resolved the issue independently, and the funds were returned to the rightful owner. 

I promptly informed Wells Fargo of these developments and provided all necessary information, including confirmation from the affected party 's bank that the case had been withdrawn. Despite assurances that the matter would be investigated, subsequent follow-ups on XX/XX/XXXX and XX/XX/XXXX have yielded no progress. I have not received any updates or resolutions from Wells Fargo, nor have I been provided with the requested documentation regarding the withdrawal of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a number 3. You ( Equifax, XXXX, XXXX ) assumed this role without permission. Not only that, you did not have my consent, you guys did not respect my right to privacy which is under 15 USC 1681a number 4. You did not exercise your grave responsibility. You were unfair and you were partial. I have already taken the liberty to file a CFPB report and an Attorney Generals complaint. You never had permissible purpose under 15 USC 1681b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What Im demanding is that you delete inaccurate information such as ALL inquirys and XXXX XXXX account it says the account was charged off in XXXX. 90 days late in XXXX and closed in XXXX. How can that be? The entire account is inaccurate, on Equifax, XXXX, and XXXX and has been for 2 years and has caused me serious harm. See attachments as proof. 

( 2 ) The term serious harm means any harm, whether physical or nonphysical, including psychological, financial, or reputational harm, that is sufficiently serious, under all the surrounding circumstances, to compel a reasonable person of the same background and in the same circumstances to perform or to continue performing labor or services in order to avoid incurring that harm.

Source : 18 USC 1589 ( c ) ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports |
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX And equifax are in violation of federal law. Here is the. Law that has been broken and violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other enity These Agencies are indeed a corporation and have no right to violate the law! These agencies are not above the law. And until the law changes, they are expected to abide by it! 

I have tried reaching out to XXXX, XXXX and Equifax. They are acting completely oblivious to this wall. It is a federal law in which they need to follow. They are in violation of This law and action needs to be taken if these credit reporting agencies refuse to abide by the law. 

I have sent correspondence to the credit reporting agencies About the violation of the wall and they still convenuously Are violating Is this federal law! 

Until federal law changes, The credit reporting agencies are expected to follow the law!
Product: Student loan

Terms : subsidized : under IDR program, Interest of principle balance that has not been paid off by monthly payment amount is to be subsidized or erased in balance. 
XXXX XXXX XXXX XXXX Initial call regarding issue, Confirmation regarding IDR program that that interests not covered my monthly payments should be subsidized under IDR plan. Confirmation that complainant is currently enrolled in IDR plan and whatever interest seems to have been acrueing in total balance should be removed in timely manner XX/XX/XXXX XXXX XXXX XXXX XXXX multiple separate calls- Still noticing balance increasing in total balance section and notified that complainants loans have been placed in forbearance, meaning current loans should have a interest rate of 0 % until forbearance is raised. Questioned regarding IDR plan and interest subsidizing under Payments. Servicer confirmed these and that Complainants balance does seem to reflect an accrual of interest. 
XXXX XXXX minutes- Verbal confimration by supervisor that there seems to be interest that should be subsidized that is not being subsidized under IDR plan which is an error on their part. States that supervisor will correct this issue and issued a Request of balance correction. Request # XXXX. 
Complainant received Conversation number for reference of call XXXX. 
Supervisor states that Complainant shall receive a follow up email in 7-10 business days XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX minutes- Complainant received XXXX follow up emails and called mohela. After multiple hours and another non-supervisor, connected with supervisor who again confirms findings that interest have not been subsidized which should have been subsidized under IDR program payments. Confirms that complainant has been approved of IDR plan on XX/XX/XXXX and have made first payment in XX/XX/XXXX under IDR plan. Interest has been subsidized from XXXX of XXXX but for some reason XXXX XXXX of XXXX interests has not been subsidized again, confirming the increase in total loan balance that complainant has been seeing in mohela website. Supervisor also confirms that Complainants loans are placed in forbearance. Supervisor states that request for correction is still active but has never been touched by Mohela to be resolved. States that supervisor will issue an expedited request and complainant will receive another follow up email in 5-7 business days. It has been 1 month with absolutely no follow up.
Product: Credit reporting or other personal consumer reports

I have filed mutiple complaints against Equifax for not reporting XXXX  mortgage loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX  Mortgage resubmit the account information and XXXX did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax mutiple time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX if Equifax would return call or reply to emails from XXXX this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws
Product: Credit reporting or other personal consumer reports

The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent.

Central Bank ( I have NEVER had an account with this institution ) : disclosed/reported XXXX transactions on XXXX XXXX report. 

This is a violation of my privacy rights under The Privacy Act of XXXX which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681.

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing.

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.

408.682 Customer authorization required.

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.
Product: Debt collection

me and my husband moved out of apartments in XX/XX/XXXX 2016 the landlord was retaliating against us they alleged non-payment but they refused the payment out of spite because my husband complaint to the housing commission, the landlord ended lying to the court and obtaining an agreement with us to pay them monthly and we paid them monthly the sum of {$350.00} every month now sunbow partners has sued us in court alleging that we still owe {$800.00} and has not notified us at all, we never got served nor did we ever receive a bill or explanation that we still owe them, XXXX XXXX with kimball tirey and st.john 's help obtain a false judgment they duped and lied to the court they never notified us of the suit. they have violated our FDCPA rights which are federally regulated.
Product: Checking or savings account

Opened a joint TD checking account wirh my wife couple days ago. But today teller from bank called me in and informed that they have to close our joint account. She said that my wife would be able to open a checking account at td bank but not me. Didn't inform me about anything suspicious or alert. Just said that they have to close and thats all.