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

According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation.

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to get several fraudulent accounts on my credit report removed. In XX/XX/2018, I submitted a letter alleging fraud, along with an official police report detailing this identity theft. I also reached out to the companies who own these accounts. Despite my evidence, and the fact that this same information was provided to XXXX and XXXX which resulted in a fraud alert being placed on my account and the accounts removed, Equifax has refused. My credit report still does not have a fraud alert on it, is still subjected to damaging reporting and the accounts are still present. This is hindering me from moving forward with repairing my credit. It is also in direct violation of my rights : " FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed none stop with this. Company and seems to me the have done nothing but let my rights be violated and I am not standing for it anymore I have filed a police report I have sent in my XXXX report and also filed a new one I have placed a fraud a lot onto my account so no one can again harm my credit also the accounts they are listing on my credit that ARE NOT MINE are still violation of rights due to inconsistency of information matching and none of it does across all three credit files so these account needs to be deleted now and I am not going let these companys violate my rights
Product: Vehicle loan or lease

We have purchased a used car from XXXX for XXXX USD. I had to pay XXXX USD to remedy some of the issues out of pocket while the car had these symptoms. After spending this money the car has most of these issues. The car had an open XXXX relating to an open recall which the car not even had inspected for. Not to mention that this is an engineering desing flaw, error of the car which XXXX didnt disclose. I finaced this car based on the condition of our conrtact with XXXX. I took this case to XXXX as per our conract and XXXX is declining to provide evidence that this car have been inspected, serviced and repaired prior to selling it to me.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized 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 ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX Bank again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX  has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my Experian credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - US Bank event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX  CONTINUALLY MAKING ERRORS
Product: Credit card

XX/XX/XXXX ( early evening ) - I received a notice from Bank of America saying they received a request to transfer {$23000.00} from XXXX of my BofA XXXX XXXX into a XXXX XXXX  account ending in XXXX. I called the bank immediately to notify them this was not me. After XXXX hours of speaking with XXXX different people at BofA, they all guaranteed me those funds would NOT transfer and this incident would be investigated. 
XX/XX/XXXX ( early morning ) - I received another notice from BofA the funds transferred into a XXXX XXXX  account. I called the bank again to see what happened. The person I spoke with ensured me that I would receive a refund of the stolen funds and they would further investigate. 
XX/XX/XXXX - Claim was filed with Bank of America, but the funds were already transferred the day prior. This is the claim I called about on XX/XX/XXXX - filed XXXX hours after my claim. 
XX/XX/XXXX - Bank of America says they are denying my claim which reduced my credit score by XXXX points XX/XX/XXXX - Filed another claim with Bank of America - claim processed on XX/XX/year> Throughout the process, Bank of America has made it difficult for me to protect my own funds. They have refused to allow me access to my own phone records and are saying I need to file a subpoena to have records of all my own communication with them. Tellers have been unwilling to help and Bank of America is persistent that I received the funds but won't investigate the account the funds were transferred to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the vehicle 's continued safety risks with turning off while driving which locks steering wheel we attempted from XXXX of XXXX ( 35 days post purchase ) till XXXX of XXXX to have it fixed through the extended warrenty purchased through the dealership. Every month it was in for the same issue with no remedy found or even the issue. We worked with the lender to voluntarily surrender the vehicle due to safety risk, but were unable to have it deemed. Lemon due to it being a used vehicle at time of purchase. The creditor stated it would show as a voluntary surrender " showing better than a reposession ''. The vehicle was sold at auction and we were informed we had a balance remaining to the lender. 3 debt collectors immediately reached out for payment, none of which had my name as a loan holder so they would not speak with me. XX/XX/XXXX I recieved a call stating I had a court summons due to the outstanding balance. I paid the amount due that day as they called to speak with me. I recieved a notice that the debt was paid in full which was shared with the 3 main credit bureaus. XX/XX/XXXX the account showed paid in full with a XXXX balance on all 3 major reports. XX/XX/XXXX flagship credit acceptance ( the original loan holder ) reinstated the account details to show the full balance still outstanding. I contacted the representative that I paid the balance through who assured me the account was closed with a paid in full balance and offered to resend the paid off status of the account again to the major bureaus. No chance has been made, I contacted transunion today who informed me that the dispute on the account balance has been denied as XXXX says that I owe them so case closed. There is no consumer protection in this fashion if they simply take the word of the creditor and not accept the pay off notices that they had already accepted this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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

My issue is I sent a verify information request to Experian XX/XX/XXXX of XXXX  about an account with lending point now they went and made updates and slight changes on that account. Now I have recently sent another dispute form and now theyre requesting all this information from me like utility bill government ID when it looks like made changes to the report without any of that information previously stated, and it was unauthorized, and without them even notifying Me so when Im in pursuant of a certain code, they want all this verification, but on XX/XX/XXXX they updated information with out, notifying me without verifying anything with me and it hurt my credit report as well and Im going to upload all supporting documents. It also seems one-sided and discriminatory that they are requesting certain items for me to send then when I am in pursuit of a certain FCRA law BUT WHEN I SENT IN MY DISPUTE LETTER IN XXXX, THEY CHANGED INFORMATION WITHOUT EVEN NOTIFYING ME all doc are provided
Product: Debt collection

On XX/XX/2020 I paid Target Credit Card off in the amount of {$260.00}. On XX/XX/2020 interest of {$5.00} had been added, which should have been included in the {$260.00}. I am just now being informed that Target has reported my to my credit bureau for these charges and others that show {$1.00} on my statement for no reason whatsoever. 

This is the second time Target has did this and reported. When they email statements, it shows no balance on it at all so they are able to do this fraudulent tactics. I have contacted them the first time to take it off of my credit and they refused to do so. Now, this is the second time they have did this, paying off my card to a {$0.00} balance. I owed nothing on this card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments '' ( late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my mother in law had her XXXX hacked by a new trend where hackers use AI to hack. They steal your voice and face and video chat. I was under the impression the person was truly my mother while video chatting, and I sent them money on venmo because they said they needed help. {$200.00} ( XXXX separate {$100.00} transactions back to back ). Found out it was not my mother in law. I immediately filed a dispute with venmo and my XXXX XXXX at XXXX because they money withdrew from my debit card with XXXX XXXX. Venmo today emailed me twice and have denied to my disputes saying the reasons were because they are authorized transactions. I have told them repeatedly this was due to a hack and fraud and I did not authorize money being sent to the username " XXXX " on venmo. This is not okay. This is fraud. Venmo stated they can not help me any further because of my venmo usage history, although I made it very clear to them never in my transaction history have I ever sent money to or from XXXX ( XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Entry Under 15 U.S.C. 1681b Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report. Upon reviewing my credit file, I have noticed an issue that I believe is inaccurate, and I am requesting that you investigate and correct it, in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. 

Details of the Disputed Entry : Account Name : XXXX XXXX Date of Report : XXXX Nature of Dispute : A few months back i noticed a few inquiries on my XXXX report that I did not recognize, i disputed the inquiries and since they could not provide proof of the inquiry in question they were removed from my XXXX credit report. I did notice however that the inquiries still showed up on my XXXX credit report and would like them to be removed as soon as possible. Thank you. 

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report to parties that have a permissible purpose, including but not limited to credit, employment, or insurance decisions. I believe that the disputed information is erroneous or has been reported without a legitimate permissible purpose under this statute. 

To ensure compliance with the FCRA and to protect my rights, I kindly ask that you : Investigate the validity of this account under the permissible purpose provisions of 15 U.S.C. 1681b. 
Provide me with the results of your investigation, including any documents supporting the permissible purpose for the entry. 
Correct any inaccurate information found and update my credit report accordingly. 
As required by the FCRA, please complete your investigation within 30 days and provide a written response to confirm your findings. If you are unable to provide sufficient proof that the information in question was reported for a legitimate permissible purpose, I request that you remove the entry from my credit file. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution. 

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

I AM A VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX BANK AUTO : ACCOUNT NUMBER : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX NAMES : 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 card or prepaid card

XXXX here is the first CFPB COMPLAINT Please assess a CIVIL PENALTY FINE against cashapp. 

They denied my dispute on false grounds. They illegally continue to hold on to my funds. What a bunch of conniving XXXX
Product: Debt collection

My husband died in XXXX 2016 and in XXXX I closed the XXXX account which provided internet, TV an phone services. I was ill and not living in the location where the services were provided. I was asked to send back the routers. I requested that the prepaid carton for the routers be sent to my daughter. The carton was received by her and she went to my apartment and put the routers in the carton and sent the carton back to XXXX. XXXX is charging me for the routers. {$460.00}. However the routers were returned and so I do not owe that money. All other billing from XXXX on that account was paid.
Product: Credit reporting or other personal consumer reports

Capital One you are in violation of the Gramm Leach Bliley Act by law before sharing my information you must give me the opportunity to exercise my opt out notice You ( Capital One ) did not disclose this information to me that is required by law. 
Capital One knowing and willfully withheld information regarding the disclosure of my information to affiliated and non affiliated third parties. Capital One your knowingly and willfully withheld information that explain how I the consumer can exercise that non disclosure option You have 10 days to delete this account # XXXX from all credit reporting agencies and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Please see attached letter and FTC Report for the inquiries that I am disputing.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed XXXXXXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX