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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX has violated my rights. To privacy and confidentiality and Accurate Reporting under 15 U.S.C. 1681 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 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 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

Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to TransUnion Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Charge Off : AXXXX XXXX XXXX Balance : {$5900.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Equitax Upon reviewing my report, I found several errors that l believe require immediate correction. The items in question are Listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, l am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written contirmation of the outcome within 30 days, as required by law.

If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 
Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : XXXX  XXXX XXXX $ XXXX Account Info/account number- XXXX Open/ closed Date opened XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6200.00} XXXX Account info/Account Number - XXXX OPEN/ CLOSED XX/XX/XXXX date opened XXXX : XXXXXXXX XXXX XXXXXXXX. 
{$7200.00} Account info/ Account Number XXXX XX/XX/XXXX date opened PAID/ CLOSED XXXX : XXXX XXXX {$2700.00} Account info/ Account Number XXXX XX/XX/XXXX date opened OPEN XXXX : XXXX XXXX {$2700.00} Account info/ Account Number XXXX Date Opened XXXX, XXXX OPEN TransUnion : XXXX XXXX  XXXX {$6200.00} Account Info/ Account NumbeXXXX Date Opened XX/XX/XXXX Closed TransUnion : XXXX XXXX {$7200.00} Account Info/ Account Number XXXX Open/ Closed Open Date Opned : XX/XX/XXXX Closed TransUnion : XXXX CARD : {$2700.00} Account Info/ Account Number XXXX Open/ Closed Open Date Opned : XX/XX/XXXX OPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.
Product: Credit card

On XX/XX/2024, I purchased an item on XXXX XXXX for the amount of {$450.00}. The item was apparently shipped and a false tracking number was provided. The item was never delivered and therefore I opened a support claim with XXXX XXXX which was closed automatically. I then tried disputing the transaction through my financial institution in which XXXX made a claim that the item was delivered and so I lost the resolution. This has frustrated me very much because there is no way for me to get in contact with XXXX directly as I have been searching for a way for the past few months and there is no way for me to contact them. They have a XXXX XXXX that claims they will refund orders that are not received but are not honoring this policy. XXXX does not allow me to make another claim.
Product: Prepaid card

I have seven ( 7 ) Visa debit cards issued by XXXX and serviced by Incomm which have been locked or blocked and I am unable to use. This has happened to me previously and requires a lengthy phone call to obtain replacement cards. I have had to cal about 6 times already for other cards to have this resolved. I know of other individuals who are or have experienced similar issues. I can provide card numbers.
Product: Credit reporting or other personal consumer reports

Equifax reported an involuntary repossession on my credit report for XXXX years, even after I sent them proof that the car lending company was in litigation with the CFPB. I filed XXXX complaint, and they responded, stating that I needed to be more specific and that they needed account numbers, etc. I enclosed, and am enclosing again, the letter from the car lender with their company name, address, account number, and personal information. It specifically states all the requested information and a statement that says the account is closed and no further money is owed. EQUIFAX PLEASE SEE THE ENCLOSED DOCUMENT THAT I HAVE UPLOADED WITH THE COMPLAINT! IT ALSO INCLUDES THE CAR MAKE, MODEL, XXXX, AND YEAR! 
P.S. THIS IS THE AGREEMENT WITH THE CAR LENDER AND ME. EQUIFAX PREMATURELY REPORTED IT AS A VOLUNTARY REPOSSESSION, THUS, INACCURATELY AND INCOMPLETELY REPORTED IT ON MY CREDIT FOR XXXX YEARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I XXXX XXXX traveled to XXXX to purchase a pre-owned XXXX. The vehicle was fully equipped and also came with XXXX, which was not active in the vehicle at the date of purchase. Shortly after purchasing the XXXX XXXX XXXX and traveling back to my home in XXXX, XXXX. I was then constantly contacted by XXXX XXXX via cell phone. They offered the service and shortly thereafter trail activation, I received correspondence from XXXX XXXX XXXX XXXX XXXX, detailing that if I were contacted via cellphone ( which was illegal ), on the part of XXXX XXXX. That I was to receive compensation and free service as I was not the original owner and had not purchased this service. Moving forward and in constant correspondence with XXXX XXXX and submitting all documents pertaining to purchase. It was understood that this service would offer a settlement and free service. Instead XXXX XXXX has chosen to send a bill of {$60.00} to collections, in an attempt to tarnish my credit and credit score. This case has not been resolved and settled, as I have yet to submit my rebuttal / response to the denial letter XXXX XXXX sent to my home on XX/XX/XXXX. The dates of contact as they state are XX/XX/XXXX, but the purchase of the vehicle was XX/XX/XXXX. Additionally I was contacted via cellphone and therefore this settlement issue has not been resolved. Keep in mind the vehicle purchase date is clear and concise, XX/XX/XXXX.
Product: Debt collection

I received a letter from Wakefield and associates on XX/XX/ about a doctor bill that is past due. Wakefield and Associates have also reported this information to the credit reporting agencies. I reached out to my insurance company to see why the bill was not paid by them on XXXX XXXX  and was notified this outstanding bill falls under the Federal Surprise Billing Law and I am not responsible for this bill. I contacted Wakefield and Associates and they refused to stop collection activity.
Product: Debt collection

This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent. 

XXXX XXXX reference # 's stating that my account is in good standing with a zero balance XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Actt # XXXX has violated my rights. 

XXXX5 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX was issued a check in the amount of {$11000.00} from XXXX XXXX for 2012 XXXX XXXX paid in full. I contacted XXXX and the custermer service stated that the account is paid in full and was report to the credit bureaus 30 days after payment. It is five months latter and is still showing outstanding/open. Notwithstanding, this has impacted my credit score and needs to be justified accordingly. Thank you
Product: Credit reporting or other personal consumer reports

company reported unauthorized inquiries on my credit report from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I feel my information was compromised in a identity theft attempt plus a data breach from company XXXX. In addition there is also these reported unauthorized closed accounts XXXX XXXX XXXX ( Account number XXXX ) & XXXX XXXX / XXXX XXXX XXXX  ( Account number XXXX )
Product: Checking or savings account

Dear Discover Bank, Savings Account Ending in XXXX : I am reaching out because I am at a loss of {$20000.00}. In XXXX XXXX XXXX I had Discover bank initiate a wire recall in the amount of {$22000.00}. It is to my understanding that XXXX bank handles the wire processing and wire recalls. On XX/XX/2023, XXXX XXXX contacted me and stated that the recall was successful and on their end, {$20000.00} was debited from their account with the description " XXXX XXXX XXXX XXXX ''. 

XXXXXXXX XXXX told me that I need to reach out to XXXXXXXX XXXX and Discover bank directly to retrieve my funds. Since XX/XX/2023, Discover and XXXXXXXX XXXX have both not reached out to me to release my funds. If XXXXXXXX XXXX  would've never told me that my funds were returned to Discover, I would never know that this money is being held from me, unlawfully. 

On XX/XX/2023, I reached out to XXXXXXXX XXXX and expressed to them that XXXX bank stated that XXXX XXXX  recalled {$20000.00} and XXXXXXXX XXXX emailed me back stating that they will not speak to me as I am not a client and that I need to have Discover send XXXXXXXX XXXX an authenticated message so they can release my funds. I then called Discover bank and told them this information. After being transferred multiple times over the course of XXXX days without getting any answer, Discover bank refuses to send XXXXXXXX XXXX an authenticated message regarding this wire recall so that XXXXXXXX XXXX can return the funds to Discover bank, which at that point, Discover bank would then return the funds to me. 

Please be advised that it is XX/XX/2023 and I still do not have this money. The money was supposed to be sent back to Discover bank from XXXXXXXX XXXX or a check was supposed to be sent to me and neither has happened. 

I am taking this matter extremely serious, I have partnered up with an attorney, and I am very close to bringing this matter to XXXX XXXX and filing a lawsuit. I need someone in upper management at Discover bank to reach back out to me extremely soon before I start court proceedings. 

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

1. Collections : XXXX/XXXX Account Type : Collection Agency/Attorney Creditor Type : Rental/Leasing Date:XX/XX/XXXX Original Balance : {$2500.00} Dispute this company : Identity Theft 2.XXXX/XXXX Account Type : ChargeAccount Date OpenedXX/XX/XXXX Dispute this companyI payment on time, There's no reason to automatically close my account. 

3. XXXX/XXXX Account Type : ChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1700.00} Dispute this company : Identity Theft 4. XXXX/XXXX Account TypeChargeAccount Date OpenedXX/XX/XXXX Hight Balance : {$2100.00} 5.  XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1500.00} Dispute this company : Identity Theft 6. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$180.00} Dispute this company : Identity Theft 7. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 8. XXXX XXXX  XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 9.  XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$930.00} Dispute this company : Every time I pay on time, I have paid off my arrears. 

10. XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$2100.00} Dispute this company : Every time I pay on time.There is no reason to close my account. 

11. CHASE CARD Account TypeChargeAccount Date OpenedXX/XX/XXXX BalanceOwed : {$2100.00} Dispute this company : Every time I pay on time, I have paid off my arrears.There is no reason to close my account. 

12. XXXX/XXXX Account TypeChargeAccount Date  Opened:XX/XX/XXXX BalanceOwed : {$1500.00} Dispute this company : Every time I pay on time. I have paid off my arrears.There is no reason to close my account. 

Appeal : I'm a wholesaler on XXXX. Closing my account has had a great impact on my business company and individuals. Every time I pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX/XXXX,XXXX   XXXX, XXXX XXXX, XXXX,
Product: Checking or savings account

- An unauthorized payment was made by someone using my debit card info today. I filed a dispute. The two unauthorized charges were {$9.00} and {$1.00}. 

- The estimated review month was XX/XX/XXXX so I called chime asking why it was going to take so long. 

- They confirmed the review date was XXXX but I would receive a preliminary credit on the XX/XX/XXXX. Besides the fact that if this was a larger payment this would hurt me because I have bills due NOW where if I dont pay them my life is ruined ( credit score ruined, eviction from apartment, etc )- They told me though that if the claim was denied Id owe them the credit. So if I receive the credit for {$9.00} and {$1.00} on the XXXX and the claim is denied in XXXX then Ill have to pay Chime back credit for the {$9.00} and {$1.00} that was for an UNAUTHORIZED payment. 

All in all now I feel unsafe keeping my money with chime financial products like checking, savings, and especially the secured credit card due to the fact that if a claim is denied even if the payment was unauthorized I end up potentially losing hundreds of dollars, and if used with my credit card it would damage my credit.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I financed a Puppy from XXXX XXXX ( XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ). The total of the finance should have been {$1600.00} ( which I have the receipt ). I was informed that I was approved for the finance charge and was only told to sign the computer screen and that I would be emailed paperwork from the lender in 24-48 hours, which I never received. When my first bill came from the lender ( LendingUSA ), I noticed that it was in the amount of {$1800.00},,,, {$200.00} more than what I was financed for. I contacted the store ( Pet City ) and they stated that I needed to contact the lender ( LENDINGUSA XXXX XXXX XXXX XXXX TX XXXX XXXX ). I contacted the lender and they stated that they charge a {$130.00} fee for opening the account. I informed them that this was not disclosed to me at the time of purchase and all they stated was that I signed the paperwork ( which I did not receive any paperwork from XXXX XXXX ). I called XXXX XXXX back and spoke with the owner ( XXXX ) and she stated that she did not know that the lender was charging a {$130.00} fee for financing with them and that she only charged the amount of the purchase ( {$1600.00} ), which later on, I also found out the company ( XXXX XXXX ) actually charged an additional {$75.00} for supplies I did not purchase. The owner stated that she would contact the financial institute and discuss the issues and contact me back. I did not hear from her for over a week, so I had to contact the owner back to see if there was any resolution. All she said was that I needed to take up the problem with the financial company and that it was not her problem. I informed her that she did not disclose this charge to me before the purchase was made and that I did not receive any disclosure of paperwork from the financial company in the 24 - 48 hours that she said. I feel that she withheld information about the {$130.00} charge, which she claimed she knew nothing about and stated that she would not work with the lender if they are charging the fee. I informed her that I could have put the charge on another credit card, if I were informed that there was going to be charged a {$130.00}. I feel that this is a fraudulent way of starting a line of credit without disclosing any information on the financial charge.
Product: Checking or savings account

I XXXX XXXX XXXX have been dealing w/ Fraud on behalf of NFCU XXXX I have spend numerous wks, days & hrs complaining and getting same results. Which includes my account being hacked. NF issue new account, but taken No accountability with credit reporting agencies although I have complained verbally on their record line. Deposits are not being deposited as they have I. Past causing bills to not be paid and me being hit with fees from Both Parties. I have voiced concerns all the way up to Supervisors and its continuing to happen. I will set up payment arrangement for my monthly loan payments they last month the bank took the payments early. I had to have them to return to clear my mortgage this month. The same results. Bank decided to charge me late fees, which has never been done before the late fees has always been placed on the back end, meanwhile, waiting on the issue to get resolved from Friday to Monday. The bank stated that my funds were short, therefore causing my mortgage to not be paid on time. Occuring late & overdraft fee took place the same day that XXXX XXXX noted. They return funds to that account so it should not have ever been under. Then my Sons account where he has been paid biweekly on Tuesdays. Which is one day early considering it is recurring payments this pay period the payment did not show up on the XXXX at all. I screenshot before going to bed on XX/XX/year>. When I woke up early on XXXX XXXX the online transactions is showing that the deposit was made on XX/XX/XXXX. However, again I have a screenshot that shows it was never done on the XXXX. This has been months of distraction due to NFCU NEGLIGENCE AND FRAUD
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts are inaccurately reported.