23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX account # XXXX for XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I have disputed this XXXX item so many times with Experian, it is a XXXX XXXX XXXX mortgage XXXX which is PAST THE STATUTE and should not be listed. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX  Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}
Product: Payday loan, title loan, personal loan, or advance loan

the Bureau filed a lawsuit against Acima XXXX, XXXX and Acima Digital, XXXX ( collectively, Acima ), and Acimas founder and former CEO, XXXX XXXX ( XXXX ). Acima purports to offer consumers nationwide a means to lease-to-own consumer goods at the point of purchase online and in stores. The Bureau alleges that Acimas purported leases were actually credit, and that Acima and XXXX violated the Consumer Financial Protection Acts ( CFPA ) prohibition against unfair, deceptive, and abusive acts and practices by : misleading consumers regarding the nature and terms of Acimas agreements, including their exorbitant cost ; materially interfering with consumers ability to understand the terms and conditions of those agreements ; effectively locking consumers into these high-cost financing arrangements by making it difficult for consumers to terminate them and creating unfair barriers to returns ; misrepresenting consumers ability to return goods and the means by which returns could be accomplished ; misrepresenting to consumers that their contracts required the maintenance of autopay ; and providing deceptive advertisements and training to merchants, that created the likelihood that merchants would misrepresent the terms of Acimas agreements, mislead consumers about the ease of returns, and create confusion about whether Acimas product was credit or a lease. The Bureau alleges that XXXX was directly involved in and substantially assisted Acimas violations of the CFPA.
Product: Credit card

On XX/XX/2023 I created an online application to open a credit card and use a balance transfer special they had offered. Once applied, I received a response soon after, same day, that I was given the highest interest rate possible, despite XXXX credit scores, money in several accounts at the bank. I requested a review of the interest rate immediately, same day, and was denied. I immediately let the agent know not to open the account and close out everything attached to the account. This is all on XX/XX/2023 I was advised by the rep that they would close the account immediately and to disregard any cards I may receive in the mail.

Shortly thereafter, I received a notice that I have a new account with this bank with a balance of {$5000.00}, the amount of the balance transfer which would have gone through had I opened the account. I spoke with a rep who said the balance transfer was processed the day AFTER the account was closed because I did not also cancel the balance transfer. However, the online site shows the balance transfer account was not opened until XX/XX/2023. Incredible. 

Why would I need to cancel a balance transfer that should not occur if I do not have a card to process it on. This new account balance opening fraudulently has impacted my credit score by a total of XXXX and I am very disappointed in the process of trying to have it resolved with the bank. 

Please help me, I am in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported, as their inclusion violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the immediate removal of these accounts and information from my consumer report to rectify the violation of these legal statutes. Please take immediate action to remove these accounts and information promptly.
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my credit report, which I did not authorize. This is a serious concern as it may negatively impact my financial standing. I request a thorough investigation into this matter.
Product: Credit card

This is a report on my XXXX credit card, like the first XXXX am also making payment on this card for more than 17 months and the card remain the same I make payments every month the amount remain the same I tried to call them to resolve the issue but they could not even though I stop using the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the bureaus have had over 15 days to comply with the deletion of their erroneous credit reporting for the fraudulent accounts they are reporting on my credit report.
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 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: Checking or savings account

A month ago I noticed transactions on my account was unauthorized transactions. I called money network and submitted a dispute form thru email. For XXXX weeks I heard nothing back from them. So I called the dispute department directly and submitted a dispute. I am a XXXX veteran all my pins to all of my cards are the same. I have a XXXX yr old son who I caught stealing from my home on XXXX XXXX XXXX XXXX XXXX, mo. I called the police and got a police report. XXXX XXXX XXXX police department XXXX XXXX XXXX police report number XXXX XXXX XXXX XXXX. Yesterday XX/XX/2023 I received the dispute paperwork in the mail, and the dispute denial in the mail. They said because my pin was used. I told them again today my son was the one who made those unauthorized transactions and because he is my son he has seen me use the same pin for years. Please help. This is not fair to me as a customer. I did not make or authorize use of my card for any of the transactions listed on dispute claim XXXX or dispute claim XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account : XXXX XXXXXXXX XXXX, violated my rights.

15 U.S.C 1681 Section 602 A. States I have right privacy.

15 U.S.C 1681 Section 604 A Section 2 : its 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 of information, other than records of convictions of crimes which antedates the report by more then 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 know or a has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Product: Debt collection

for 4 years a collection agency has been calling me regarding a debt for a XXXX XXXX, who I assume had my phone number before I did. I have told them approx. 100 times over 4 yrs she does not have this phone number anymore. when I tell them this they say they will remove the number. then they call again the next day. the calls stopped for about a year now they are calling every day again, when I yell at them they get threatening and abusive. I called back the number and the name of the company is National Credit Adjusters, but you cant get a person unless you have an extension, which I never have. The number they call from is XXXX sometimes the last digit on their number is different and it is an auto dialer because until I say hello no one is one the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me with the removal of the fraudulent accounts listed on my FTC reports.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and again this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received a letter in the mail dated XX/XX/2022. The letter is addressed to me and the address is correct. The letter is from a company I have never heard of and never dealt with stating that I owe a debt, that the debt is seriously past due, and unless I call the toll-free number, my credit report will be adversely effected. Again, I have no knowledge of this company and have NEVER dealt with them. Raising further suspicion, this letter does NOT contain any account number, does NOT contain an amount owed, does NOT contain anyone 's name, and does NOT contain a way to contact/pay online. Furthermore, performing a web-search of the toll-free number, nothing pulls up. I looked up the company online and called their number. It does appear to be a valid company. The company 's name is Advance Financial 24/7. The customer service representative with whom I spoke, XXXX, looked up my information in their database and informed me she could not find any loans/outstanding loans with my name. We suspect this to be a fraudulent attempt to get people to call the toll-free number to disclose personal information. I am not about to call the toll-free number and give them more information than they already have. The toll-free number on the letter ( the letter without an account number, without an amount owed, without a name or signature, and without a way to pay online ) is XXXX. Please catch these individuals and hang them by their balls from the tallest tree you can find. I did not fall for this scam but others, the elderly or cognitively impaired, might. A stop should be put to this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under this circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. This is fraudulent & is impacting my ability to gain credit. 

The company do not have the right to report the account since they lack any permission. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX to XXXX Experian Reporting Agency had my information in a credit breach ; now I have all these inquiries and accounts that aren't mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i filed an original complaint on XXXX  XXXX XXXX as well as Equifax for erroneous account information listed on my credi report. The account number for the XXXX account is XXXX. XXXX XXXX XXXX researched the information and based on the items, documents i provided, were able to correct the negative information found on my credit reports. However on XX/XX/XXXX the negative reporting of the XXXX  XXXX XXXX Account ending in XXXX was re-inserted and even shows a balance owed of {$35000.00}. XXXX  XXXX XXXX had previously responded to me as well as CFPB this information : Company 's Response During our recent conversation on XX/XX/XXXX, we discussed the auto loan ending in XXXX. We confirmed that based on your recent inquiry, an adjustment was submitted on XX/XX/XXXX, to report your account as a discharged bankruptcy account with a XXXX  balance with Equifax. In addition, derogatory history after XX/XX/XXXX was also removed. The corresponding notice was sent to the address on file on XX/XX/XXXX. We also confirmed that it may take up to 90 days for the consumer reporting agencies to make the adjustment and update their records. However, if your consumer report remains unchanged after 90 days, you can contact Equifax directly, and provide them with a copy of the letter dated XX/XX/XXXX. We followed up with you on XX/XX/XXXX, and during our telephone conversation, you confirm that the letter dated XX/XX/XXXX, had not arrived. Therefore, we would send a copy of the letter to the address on file by XXXX. 

This is proof that they had saw the error, and claimed to have corrected the error. The problem was realized again on XX/XX/XXXX when i got an alert via my credit monitoring with the credit bureaus that showed my credit score dropping from a score of XXXX XX/XX/XXXX to a score of XXXX on XX/XX/XXXX, XXXX points! Not only did the score drop, but the balance went from {$0.00} to {$35000.00} and the negative history that was erased dating back to XX/XX/XXXX, was reinserted, along with a status of the account of past due, and " charge-off ''. This needs to be corrected IMMEDIATELY not 90 days, as I am supplying proof from XXXX, along with original XXXX  XXXX XXXX response. The previous complaint number to CFPB is XXXX for XXXX  XXXX XXXX and the complaint number to CFPB for Equifax is XXXX. This is a FCRA violation and based on the law : If you can show that the credit reporting agency ( CRA ), information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : statutory damages damages between {$100.00} and {$1000.00} ( to get these you don't have to prove that the violation harmed you ). Clearly a drop in score of 125 points has harmed me, and the fact that the negative information was disputed and corrected, to yet go on a month later and be re-inserted again, has further harmed me.
Product: Credit reporting or other personal consumer reports

These accounts on my consumer report are illegal and inaccurate. I never gave any company or credit bureaus permission to report to my consumer report and they are reporting fradualent information. The companies dont seem to fact check the information they are illegally reporting and are giving me a hard time getting these account updated/remove because they are effecting my day to day life. I have tried to communicate with the bureaus through written and verbal communication. This a aggravated identity theft per 8 U.S. Code 1028A.
Product: Credit reporting or other personal consumer reports

-- - **XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX for Violation of FCBA ( 15 U.S.C . 1666b ) and Incorrect Address Reporting Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX for failing to provide mandatory billing disclosures as required under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and for inaccurately reporting my address. According to my records, XXXX XXXX has my address listed as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which is actually a mall, and not a residential address. My actual address, as noted above, is XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. 

For over XXXX years as a client of XXXX XXXX, I have not received the necessary billing disclosures that are legally mandated. This lack of compliance has significantly impaired my ability to manage and understand the terms of my credit. The incorrect address listing has further complicated this situation, potentially affecting my credit and personal records. 

I request that the CFPB investigate these issues to ensure compliance with the FCBA and correct any erroneous information regarding my address in their records. I expect a resolution that includes a correction of my address, a comprehensive disclosure of all past billing information, and an assurance of future compliance with legal standards. 

Enclosed are copies of my communications with XXXX XXXX and any other pertinent documents that support my claim. 

Thank you for your attention to these serious matters. I look forward to your prompt response and resolution. 


XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

When i received my credit report i was shocked i had a 30 days past due in XX/XX/2013 in my capital one account number XXXX, i believe i always made my payments on time when i received the statement, most likely i did not received the statement that month, looking into my account i was never late before or after.
Product: Credit reporting or other personal consumer reports

All the way back in XX/XX/XXXX I had sent a dispute to EXperian stating inquiries that are on my credit did not have permissable purpose and was not authorized by me. 

I have had to spend money on the credit monitoring but unfortunately I am never been able to get an updated score or able to dispute the errors due to system being down. 

Delete these hard inquiries because they did not have permissable purpose. 
Due to violation of 15 USC 168 1b. 

The Address on my credit report is wrong, should reflect the my correct city. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) This inquiry has no permissable purpose to be on my credit report. 
Due to violation of 15 USC 168 1b delete this inquiry. 

XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissable purpose to be on my credit report. 
Due to violation of 15 USC 168 1b 3. XXXX - XXXX XX/XX/XXXX This inquiry has no permissable purpose to be on my credit report. Due to violation of 15 USC 168 1b delete this inquiry. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) This inquiry has no permissable purpose to be on my credit report. Due to violation of 15 USC 168 1b delete this inquiry.

I have sent many requests for deletion and correction but EXPERIAN has vilolated my rights by not even investigating and rectifying the situation even though I signed up for their credit monitoring.

I want the inquiries delted and my address corrected.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports