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 Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Prepaid card

I asked cash at to stop payment several times and they don't answer the phone they send me a text saying that can do anything
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I once again file a complaint of numerous complaints Last complaint you may reference it XXXX, XXXX you state you will remove the negative account from my credit report but it is currently still showing a negative trade line in my equifax file please receive it immediately as it does not belong on my credit file as we had resolved on my prior report. I have also gone ahead and filed a identity theft report with the FTC.
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I received a letter dated XXXX XXXXXXXX,2025, from Chase stating they would be closing my XXXX Credit Card accounts ending in XXXX and XXXX. I had previously received a letter dated XXXX XXXX, 2025 that they will also closing my XXXX XXXX Checking account ending in XXXX. The closing date would be effective for the credit card accounts would be XXXX/XXXX/2025 because of unexpected activity on these or another Chase account. The checking account is set to be closed on XXXX/XXXX/2025, when I spoke with the representative she informed me that is was back office FINAL decision with NO explanation noted on my account. This gives me grave concern as to some of the verbiage in these letters being vague and leaves grey area of concern for me. I am a business owner with other banking business relationships and this is a negative reflection on my character personally and a business woman, especially a woman of XXXX. I had a previous complaint last year similar to this and it was related to an error in Chase 's back office department. I am confident that this to is another error or a total disregard once again to provide excellent customer service. I have used my cards, paid them off at times and continue to make on time payments and my bank account has does not carry a negative balance. I must admit I have not really entrusted Chase with the greater percentage of my income based on my experience last year and I see now my apprehension has not been in vain. I am requesting that accounts remain open as I have not defaulted or engaged in any activity that should result in the closure of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


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

After reviewing my credit report, I found some incorrect information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, the three credit bureaus are required to validate these accounts. Failing to verify this information within the legally specified timeframe without providing proof is not permissible. The following erroneous information on my credit report needs to be investigated and corrected : XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from XXXX XXXX/ Guaranteed Rate 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an investigative journalist and was in Michigan in the midst of publishing an XX/XX/XXXX series on elder abuse https : XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with Guaranteed Rate. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of Guaranteed Rate. He informed me that none of Guaranteed Rate 's mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''
Product: Mortgage

1. Mortgage sold by XXXX XXXX XXXX to the XXXX office company ( Nationstar Mortgage LLC ) in XXXX Texas. 
2..Loan Documents provide a period between the XXXX of the month until the XXXX of the month within which payments received are NOT considered " Late '' ... .Nationstar Mortgage LLC disputes this part of the loan documents. 
3. If a payment was received during XXXX and XXXX, I, XXXX XXXX, Home Owner, consequently would receive phone harassing phone calls form Nationstar Mortgage LLC, demanding payment, at once, or legal action would be taken by Nationstar Morgage LLC against me. I had as many as XXXX phone calls on the XXXX of the month demanding payment. 
4. Once again, the loan documents allow payments to be received any time between the XXXX of month and the XXXX of the month without being considered " Late '' ... ... 
5. I filed a complaint with the XXXX and the XXXX issued an order cease order that forbid the phone calls demanding payment, at once! 
6. Today, Nationstar Mortgage LLC posted a notice, in retaliation for my BBB complaint, denying me access to the mortgage records on their Wed Site ( Transferred from XXXX when the Mortgage was sold ) .. Furthermore, the notice forced me to deny the results of the XXXX order pertaining only to the Phone harassing phone calls ( by forcing me to click on the Opposite target of the notice from my desired answer ) in order to gain access to the information on the Nartionstar LLC web site about my account. 
7. I, XXXX XXXX, home owner, urge the Agency to investigate the operations of Nationstar LLC..
Product: Mortgage

Compliant Against : New Rez LLC. d/b/a Shell Point Mortgage Servicing, XXXX. XXXX, XXXX, XXXX, SC., XXXX Fees to reinstate my loan are not accurate after loan was transferred to this company. Inflated loan reinstatement amount requested- and Denied Loan Modification for conventional loan. Email sent to companies point of contact informing him of incorrect reinstatement amount. Reinstatement amount grossly inflated. 
I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/XXXX. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, TransUnion and XXXX responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
TransUnion. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

original creditor is XXXX XXXX, they sold the account to Rev Now Collections after I refused to pay them a ridiculous amount of interest ( I have paid the original balance and then some! ). Rev Now is calling people that are or have been in the connected with me in the past and is stating that I listed them as a reference and a point of contact ( XXXX  ). They just called my brother who is retired FBI and left him a message saying they were trying to contact him because I listed him as a reference. I would NEVER ever give anyone his number due to the nature of his job. I just sent an email demanding that they cease and desist calling me or anyone else. This is definitely unethical business practices and if they were a real debt collector trying to collect a real debt, they would be using professional tactics to recoup money owed. The calls today came from an " XXXX '' at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card under an open consumer credit card plan as late to any purpose.
Product: Credit card or prepaid card

BOA credit card is charging me $ XXXX to a bank transfer to a reported stolen account I did not buy anything or was involved with this transaction but they wnat me to to chance the bank they transferred the money into a stolen and closed XXXX account but the issues is they have no proper information on how it happens so i have no evedsienc eon how it happens but there is a police report on the stolen money and bank account thsi happens at the end of 2021 and i ahve been trying to chase down this missing money and making payments on it, evry time to try to dispute it or get mor einfor they keeps send me denied letters saying I HAD BEEN MAKIGN PAYMENST YEA as they keep calling me to, so they shoudl be able to tell me mor eon how this money was transferred into a ACCOUTN THAT WAS STOELN FORM EM AND CLOSED, so that is the basic story im trying to find oout where the missing $ XXXX is or went that Im paying on for nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)
Product: Debt collection

To Whom It May Concern : This is in reference to your letter dated   XXXX   XXXX  , 2017 regarding an alleged shortage or deficiency in the escrow account related to your mortgage.
Please be advised that we do not have an escrow account with Select Portfolio Servicing ( SPS ) or any account for which we have any contracted responsibility with SPS.
This letter also disputes and denies that SPS is the mortgage servicer for any account related to our mortgage. SPS is a known sub-servicer / vendor acting on its own and for its own benefit and profit.
This letter further disputes and denies that the account number referenced has any relevance or relationship to any mortgage legally authorized by the parties named in your correspondence.
This letter also disputes and denies that the parties named in your correspondence are any parties who authorized any documents or actions in which SPS attempts to enforce in any manner.
Yours truly,   XXXX   XXXX   Encl : Copy of letter from SPS
Product: Credit reporting or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) as stipulated under 15 U.S.C. 1681n, I hereby request that TRANSUNION compensate me in the amount of {$3000.00} for each unauthorized inquiry and violation present on my credit profile, not a non-monetary relief. Furthermore, I demand that TRANSUNION formally recognize and admit to the breach of the FCRA, specifically under the provisions of 15 U.S.C. 1681a ( 2 ) ( K ). I expect written confirmation of this acknowledgment, accompanied by a comprehensive notice detailing the nature and extent of the violation.

In addition, I would like to draw attention to 15 U.S.C. 16802, which further underscores the importance of transparent communication between credit reporting agencies and consumers. To ensure clarity and a mutual understanding of the resolution terms, I urge TRANSUNION to establish mechanisms that promote open and transparent communication between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) XXXX XXXXXXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) Bankruptcy : XXXX XXXX XXXX Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. 
Please delete the following accounts. 

XXXX XXXX bal. {$1900.00} XXXX XXXX XXXX XXXX XXXX. {$1800.00} XXXX XXXX XXXX XXXX. {$12000.00} XXXX XXXX XXXX bal. {$320.00} XXXX XXXX XXXX XXXX. {$1000.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This account was opened on XX/XX/year> and is now in collections through Equifax. The account has no information of the original creditor. Only that the account is in collections and it is unpaid for the amount of XXXX dollars. I have tried to contact Equifax to resolve this matter but they keep telling me that I could not gain access to my account because they are not able to verify my information. I think all of my information may have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXXXXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXXXXXX account number XXXX and XXXX, and XXXX XXXXXXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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 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 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 reached out to the consumer reporting agencies, about accounts they're furnishing on my consumer report. I've done this for over a year, so today I went and got a police report
Product: Checking or savings account

I have a US Bank Debit Card, and checking account. My checking account keeps locking my card! I called in and texted the fraud number amd emailed to unlock my card! My card remains locked and the bank apparently is refusing to unlock it! Pardon my lack of proffesionalism but this frigging ridiculous I want my card unlocked, monetary compensation from US Bank or I'm going else where with my buissness as this is the XXXX or XXXXXXXX time my debit card has done this this is also the XXXX or XXXX cfpb complaint issued on this subject! This also happened when I opened by account in XXXX! As stated I called in, emailed and sent in the text reply! Your fraud system is beyond hindrance to your customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.