23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I did not consent, nor benefit from, or authorize any of the following being reported to Account : XXXX XXXX XXXX account ( # ) XXXX - report furnished by XXXX XXXX XXXX. 

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me. 

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A )
Product: Credit reporting or other personal consumer reports

Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX : Account number : XXXX -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 



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

SELF :. XXXX XXXX XXXX COMPANY :. XXXX, ie, XXXX   XXXX XXXX :. XXXX XXXX COMPLAINT : XXXX Please contact XXXX/XXXX XXXX and XXXX XXXX regarding an account that has been closed since XX/XX/2019. 
Let them know that they are ILLEGALY reporting me to the credit bureau and PURPOSELY lowering my score in order to block me from obtaining any lines of credit. I CLOSED THESE ACCOUNTS due to an illness, unabling me to work and pay my bills. Several letters were faxed to these Companies from my Doctor 's Office explaining that my condition is permanent. I am going to be in a financial handicap, and can not afford any payments on these accounts. The COMPANIES EACH RECEIVED THE Doctor letters and REFUSE TO CLOSE THE ACCOUNTS AND STOP COLLECTION EFFORTS. Lowering my credit score is a illegal practice and I need you to investigate and put a CEASE TO these practices. Thanks. 
TLM
Product: Credit reporting or other personal consumer reports

Identity theft, filings on my credit report that I do not qualify for. My emails that I no longer have access to were apart of it. I had to delete devices and emails from my accounts to prevent further access.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and i live in XXXX XXXX CA. After close review of my credit reports, I noticed that someone out of Illinois opened up an account with XXXX with my name. I am requesting that you investigate this situation that is seriously damaging my credit score and means to purchase a home. 
XXXXXXXX XXXX  XXXX XXXX {$270.00} ACCT : XXXX XXXX XXXX XXXX its on all XXXX of the major consumer reporters : it also shows late payments on a closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Hard Inquries. 

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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I applied for a loan from a company in Kansas XXXX Kansas called Simpli Fast lending for an unsecured loan of XXXX or possibly more. The ad is false misleading because it states that bad credit is no problem and it deceives people into thinking the will get a loan regardless of their credit history.I have filed a complaint to the better business bureau and attorney general in my state but they will take a long time to look into my complaint. The ad states as follows Need Money No Problem Personal Loans Simple Easy Fast Bad Credit. No Problem Approved in minutes. 
Apply online or stop by. 
Open M-F XXXX SimpliFast Lending The loan experience you deserve XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I emailed the company and XXXX answered by email to my response but he did n't come back with a response just yet. I am asking that the amount of the loan that should have been financed to me in addition to all legal claims for false and misleading advertising in additional to all applicable lending laws as well as other damages as well. So I would ask that the company pay me all losses in my settlement as I needed the money for urgent personal matters as I am more than able to pay back the loan with my income requirements as well. I get a va pension of XXXX, social security XXXX of XXXX a month, and about XXXX or more a month working part time at my job which would be more than sufficient to pay back the loan even if my credit was an issue in which the ad states that bad credit is no problem in getting a loan with their company. It is the holidays and I need this matter settled as promptly possible as I intended the money to be also used for holiday shopping as well. Please call me back as soon as you can to settle this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

On Monday, XX/XX/XXXX at approximately XXXX, my father texted me that someone had called him, looking for me, he gave me the phone number so I can reach them. Right away, I called them and asked them what is going on that they have to contact my father. They proceeded to explain they were a debt collection agency named Conserve and hired by XXXX to collect a debt. I asked why didn't they contact me via mail, email, phone call, or even leave a voicemail. They explained that they sent one letter, I explained that I am traveling for work so I didn't receive it. We both understood each others side. The next explanation is that they did try to call me and I didn't answer. I said I don't answer to phone numbers that I don't know who they are, plus I'm working and I return voicemails if they leave one. They explained they don't leave voice mails if the voicemail isn't setup stating my name, so they don't give information to the wrong person. Fair enough to both sides. They didn't give me an explanation on why they didn't try to send me an email. I understand they have a job to do, like all of us in this life, but they didn't need to embarrass me to my father. Ever since I entered adulthood, I have never put his information on my legal documents. To avoid situations like this one. I asked them if its " right '' for them to look up my information to get into contact with me. They told me " yes '', if we can't reach you, we have the authority to do anything necessary to contact you. They proceeded to explain that they have a list of phone numbers to find me, I asked politely which numbers and to remove those numbers that are all family 's phone numbers. One phone number is actually my old phone number from my teenage years when I was on my family 's phone plan. From what I understood, the representative explained the " search '' of my information may have started when my old number popped up on their system as disconnected. That makes me question the steps they took in this whole process and to have my information from when I was a minor?! Am I the only one that sees the wrong in that?
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I have requested proof from them, full details in my attached files. 

I disputed the ALLEGED debt and refused to pay the ALLEGED debt, pursuant to Title 15 U.S. Code 1692c ( c ). I demanded that they ceased ALL further communication through ALL and ANY MEDIUM except for communication of remedies for I, XXXX XXXX, the consumer and natural person, via MAIL ONLY, per Title 15 U.S. Code 1692c ( c ). I invoked specific remedy as the original creditor, pursuant to Title 15 U.S. Code 1692c ( c ) ( 2 ), and demanded items listed in the attached files. 

I, XXXX XXXX, am submitting this without any influence from any 3rd party or agency.
Product: Credit reporting or other personal consumer reports

In XXXX I reached out to Tennessee Bankruptcy XXXX. I was told by them that they do not report bankruptcy cases to the credit bureaus and that a third party by the name of LexisNexis was most likely responsible for reporting. I contacted Lexis Nexis and requested that they opt me out and remove this information from my reports. I told them that I would like a letter stating that they had removed any items that they are reporting since the bankruptcy courts do not share my information and they obtained this information without my consent The lady I spoke with stated that she was completing a complaint and would be turning out over to the investigation department and they would contact me once completed. It has been over a month and I have not heard back from them
Product: Debt collection

My account from XXXX for approximately {$200.00} went into delinquency around XX/XX/XXXX and ( I believe ) into collections around XX/XX/XXXX. I paid XXXX XXXX, XXXX {$110.00} as an agreed settlement back in XX/XX/XXXX. However, they have reported back onto my credit reports as a new collection as of XX/XX/XXXX. I need them to remove this from my credit reports as this was paid, as mentioned above, on XX/XX/XXXX. This is reporting as a new collection, which is affecting my score. Again, it is imperative that the company remove this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Control Corporation on 3 separate occasions in the last 90 days requesting validation for 4 different accounts they are reporting g in my credit. I have expressed several times that I do not feel I owe these debts. The last time I called and requested them to send it out, the girl I spoke with refused and said she could not send me anything. I requested a manager and she refused to transfer me then hung on me. Very rude and unprofessional. My right to seek validation is being violated. I have given ample time for proof of these debts to be provided. I gave also disputed on my reports and nothing is being done.
Product: Bank account or service

On XXXX XXXX, I attempted to open an account with a credit union. Apparently they use Chex Systems , Inc. for a check before allowing you to open an account. Chex Systems responds with " Driver license is not on state file '' so I was declined. This has never happened to me before. I asked them to run it again, same thing. I contacted the local Division of Motor Vehicles in XXXX XXXX, MO who indicated my driver 's license is on file and the driver 's license number is correct. I then contacted the Missouri Department of Revenue in XXXX XXXX, MO who also confirmed my driver 's license is on file and the driver 's license number is correct. I 've sent a letter explaingin all this to Chex Systems , Inc via fax to their complaint department and consumer relations department XXXX XXXX, 2015 and have heard nothing back. This is a time sensitive matter for reasons I wo n't discuss here and have spent several hours trying to figure out how to get this inaccurate information taken care of quickly, so it has me extremely frustrated.
Product: Student loan

This is about Mohella ( XXXX ) and XXXX XXXX  closings I have had loans from XXXX XXXX XXXX and XXXX XXXX  over the past 7 years. 

XXXX is now closed and lost accreditation a year ago. 

XXXX XXXX XXXX lost accreditations I have about XXXX im loans and can not benefit from education, years time and money spent. I was defrauded by the school. Unaware of it state and any closings which happens abruptly. 

I should not be responsible for any loans and its should be cancelled immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : ALL XXXX XXXXXXXX ACCOUNTS
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit card

Spoke to Citi Bank XXXX XXXX, XXXX  regarding credit balance on account and a written statement that the account is closed. Was told I would receive a check in 15 business days. I have not received a check for the credit balance or a written statement that the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} million to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} million in loan forgiveness, and Santander will also pay up to {$2.00} million for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} million to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} million in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Product: Checking or savings account

I DON'T REALLY LIKE THAT THEY'RE HAVING TO BE THE ONES THAT ARE SETTING THINGS UP FOR MY XXXX NEW ACCOUNT AND I HATE THAT THEY'RE SETTING UP MY NEW ACCOUNT WHEN I NEVER WANTED A XXXX ACCOUNT WITH TTHEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HADN'T CONTACTED ME OR STARTED TALKING TO ME AND ASKED ME IF I WANTED A ACCOUNT AND HAD A XXXX CREDIT CARD SENT TO ME WHEN I NEVER KNEW THOSE XXXXXXXX XXXX  AND I DIDN'T EVEN KNOW WHO THE XXXX THEY WERE IN THE XXXX FIRST PLACE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian XXXX XXXX, have all failed to correctly report the account balance on my XXXX/ XXXX XXXX, Credit Card. The account was last updated XXXX XX/XX/2021. We have now completed the first week of the new year and still my credit reports do not show the correct balance on my XXXX credit card which adversely affects my credit utilization.
Product: Credit card or prepaid card

I recently discovered that a credit account was opened without my authorization.