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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment
history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

Equifax shows these inaccurate accounts on m consumer credit profile. 
this information is misleading and causing me to be denied my unalienable rights to credit and the pursuit of happiness. 

Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$220.00} Dispute Reason : The payment history of the account is reporting incompletely. There are many months/years that are missing data. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Balance : {$310.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 

Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$0.00} Dispute Reason : The payment history of the account is reporting incompletely. 

Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$3900.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 

Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$5500.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 

Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$4200.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 


Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$7500.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 


Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$10000.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 


Account Name : DEPT OF XXXX XXXX Account Number : XXXX Account Balance : {$4600.00} Dispute Reason : The payment history of the account is reporting incompletely. There are multiple years that are missing data. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$5400.00} Dispute Reason : Account does not report date of last activity and payment history of account is reporting incompletely. There are almost 2 years that are missing data. 


I am requesting a through reinvestigation of these accounts. Please make sure that all aspects of this account are reported 100 % completely and accurately. 

I have asked for these accounts to be XXXX percent complete and accurate. Accounts histories are incomplete and don't equate to payments. 

my rights as a consumer have been violated. 15 USC 1681 ( A ) ( 2 ) they did not have my written instructions and 15 USC 1681 2 ( A ) ( 1 ) a inaccurate information is being furnished to the 3 CRAs relating to me the consumer.
Product: Credit card or prepaid card

Since XXXX of 2021 I have applied for the Military Lending Act with American Express. Since then they have been telling my my application is denied to this present day. Reason being that my eligibility does not meet the requirements of being XXXX XXXX at the time I applied. I have provided them documentation of orders that I have been on XXXX XXXX at this time. But after many attempts they keep saying that there is nothing they can do about it. They had no contact number at the DoD to discuss my case with and have been no help. The annual fee is about XXXX dollars for this card and they accepted me opening up the account before they could determine I was eligible for this act. 
I was just wondering if there was someone from the DoD that could inform me why I keep getting denied or someone provide me with a point of contact? Just feel really taken advantage of by American Express. Especially being someone who serves his country.
Product: Credit reporting or other personal consumer reports

I previously reviewed a copy of my credit report and found some fraudulent accounts and this is hurting my ability to obtain credit and is against the Fair Credit Act and I would like this accounts to be removed from my credit history so I can obtain credit. Thank you. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been communicating with the credit bureaus and providing all required documents and they have not complied properly with me and have not removed these fraudulent accounts. I am a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Account Name : XXXX  XXXX XXXX/XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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: Debt collection

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached CREDIT COLLECTION SERVIC  Last reported XX/XX/2023 {$320.00} Open balance XXXXXXXX XXXX Original creditor XXXX & XXXX Last reported XX/XX/2023 {$250.00} Open balance XXXXXXXX XXXX  Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXXXXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

On multiple occasions between XX/XX/2018 and XX/XX/2018, Quicken Loans employees called me to discuss my loan account. During the conversations the employee was accessing Quickens confidential customer database and had all of my and other consumers personal and private information available to her on the screen, including mine and others social security numbers, date of births, banking information, assets, application data, basically everything Quicken had available on their customers the employee was accessing on her computer. 

The only problem we have with that, is that the employee XXXX XXXX XXXX was NOT at Quicken at all, not behind their firewall, not secured under their required compliant servers, rather the employee admitted she was actually accessing my data at her house!! That is, from her unsecured, unencrypted, non-static home internet connection. She ONLY admitted this to me AFTER hearing dogs barking I asked the employee if they were aloud to bring their dogs to work? She sheepishly admitted she was accessing my files from her house. I asked her to NEVER bring my personal information up at her house again, she agreed not too yet a few days later, once again she was accessing my personal data on her home computer ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial XXXX which is impacting my ability to XXXX, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX  XXXX : {$2700.00} XXXX XXXXXXXX XXXX XXXXXXXX : {$2200.00}.
Product: Checking or savings account

I opened a checking and savings account on XX/XX/19 with a promo that totaled {$500.00} for meeting some terms which included switching my direct deposit and having a minimum of {$10000.00} in the account. I have met all of the requirements and have not seen the bonus. I have reached out to BMO but only received back a generic response.
Product: Credit reporting or other personal consumer reports

XXXX is impoperly reporting my credit wrong.Some of the old accounts should be deleted and its still on there after several years. 

Transunion is reporting my credit wrong.Once I paid some debt it should of went up.I think this is a sham. 
XXXX has my information wrong.Wrong person information.I believe someone stole my information.None of it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report in the month of XX/XX/2023, and noticed a lot of mistakes with the information on my report. I reached out to the credit bureau, and they did nothing to correct the misinformation that was appearing on my credit report.
Product: Credit card

I went on to Sychrony 's website to send payment for a medical purchase for my wife. Their website offered me XXXX months financing. A month later they changed it on me to XXXX  months. My statements show I received XXXX months and then they changed it. They stated the merchant changed but how can they change it if their website offered me the financing promotion in the first place. I have been working with them and they have notated my calls. At one point the honored my request and it would take XXXX statement cycles. Then all of a sudden the promotion ended and they charged me the accrued interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone opened accounts and charge accounts under my middle name. I have contacted everyone and they closed the account except for this company. I have emailed, wrote, and spoke to everyone on the phone and they still will not remove this from my report or harass me. They even acknowledged that I made them aware of the fraudulent account and accidentally let them charge on the account. They continue to write emails stating this is a good account continue to keep it open.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Checking or savings account

On XX/XX/XXXX i was scammed by rapper XXXX XXXX for a promotional post on his XXXX  page. I had contacted him on XXXX  in regards to a promotional post and we agreed on the price which was XXXX. I wired him the money but it wasnt going through for some reason. He asks for my number so we can get with the bank on the call and after the call the bank says that the money will be sent back to my account because he has reached a limit. After the money came back to my account we agreed to use XXXX  instead. I tried sending him the XXXX through my account but it wasnt letting me because it would exceed my XXXX  limit so i send him XXXX. I sent XXXX to my friend to send it to him which he did. After the XXXX was sent XXXX ( the artist ) confirms that he got the payment. Than days go by he starts responding very slow after i have to double and triple text him. He said he was going to do the post after the album drops even though money was send a couple days before. I waited for the post and still nothing. I called him multiple times and texted him multiple times and nothing. It has been over a month now and i have been very patient waiting to see if he would respond but he has not at all. This is the first client that I have to deal with this.
Product: Money transfer, virtual currency, or money service

transaction date XX/XX/22 {$1000.00} Link to item : http : XXXX I had my grandma who had XXXX and had trouble bringing her airway secretions out. I was trying to buy a machine that would help her breathe better and mobilize those secretions so she can cough them out. The machine is called : The XXXX XXXX XXXX XXXX. 

I found it on XXXX which is a website where medical supply stores put their items. I made an account, got in touch with the seller, and purchased the device through a wire transfer, I was doubtful, but I really really needed this. So I sent it through my Capital One bank wire transfers. 

I changed my mind because the seller was using his banks address as his address and that looked fishy. I got on hold of a Capital one bank rep ( frauds dept ) 20 minutes after wiring the money. The rep reassured me that everything was going to be okay and I should have my money in my account after 7 business days. 2 weeks later I was told by Capital one that the frauds dept representative could not contact the wire department and nothing was done, therefore chances of getting the money were basically zero. This was the reference number from that initial conversation on conversation XX/XX/22 XXXX. 

XXXX. I
Product: Consumer Loan

Not much happened other than the capitalist rise in America! 

Due to divorce I had to file bankruptcy. My credit was great until divorce. The ex was not helping with our debt anymore so I filed for bankruptcy. 

This has begun a long arduous journey of restoring my credit. Because I am post bankruptcy I did not have access to any loans. I got many credit card offers, many of them at the max APR and usually with a $ XXXX $ XXXX+ annual fee, just to have the low balance terrible interest card. 

I did have access to installment loans. Little did I know how terrible they are. I have had XXXX now, maybe XXXX. Each one ends up in a new XXXX towards the end of it 's lifeline. 

The credit system in America needs to be seriously reconsidered. As it stands it is 100 % pro business and NOT pro consumer. When I try to rent a house through a rental agency, they check my credit and I get denied often. I am basically limited to apartments, duplexes, and town homes because my credit score. This is very discriminating. Without knowing why my credit may look the way it does, I am denied access to a home and limited to multi occupant housing like apartments. I am not low income, just low credit score. Where I live, most apartments are for low income. 
When I do manage to find a place that will let me live there I call the utility company to get my services turned on. They check my credit too and based on the score will charge me astronomical deposits. They will base it on credit first, but then say it is based on the the previous occupants average usage. This is garbage. Again, I am discriminated against because of my credit score. My ex wife gets off scotch free. She never had credit. I did. So in divorce I was hit with everything. She did n't need to be part of the bankruptcy because she had no credit. 
When I go to get a new cell phone I have to pay a higher premium because my credit is low. I ca n't buy a phone for a reduced price because I have bad credit. 
This is basically the issue with all industries. Most can discriminate against me based on my credit score, which means I have to pay more than others because I had to file bankruptcy due to a nasty divorce. 
This also forces me to use other means to acquire cash to make big purchases. 
Those other means? Installment loans and payday loans. Some of the worst possible credit decisions you can make. They cost too much and have interest rates as high as 600 %. 
I got an installment loan for XXXX ... I have been paying for about 6 months now and I will still have paid them XXXX by the time I finish. That is n't include what I have paid in 6 months. So I get a small loan to make a purchase like tires for my car, or something else important and I am stuck in a financial XXXX because again, my credit score ca n't even get me a {$500.00} loan to rebuild my credit. 
Banks shun you! 
Please fix the American credit system so people like me do NOT need installment loans. We need to fix it so we can get rid of these evil companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies reported late payments when I was never late. I have never been late. 




In accordance with the fair Credit reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I have Synchrony Bank for several of my store cards Lowes, Home Depot, QVC, Sams Club, the one in question here is QVC. The company began trying to force me to accept online ( email only ) statements vs physical ( hard copy ) ones by charging XXXX per statement for not accepting this demand. 
I called XX/XX/year> and was advised I needed to set up an online account with them to opt out of this feature and would be charged the XXXX each statement ( a fee for the physical mailing ). 
I voiced my concerns with this as I do not download any financial apps. related to my banking or credit cards. I requested to opt out of the online emailed statements. 
Most of my store cards, ( most of which I pay off in full each month ) are held by Synchrony Bank, thus, this would be an inordinate amount of fees being charged at XXXX per statement, per store card, per month.
Product: Student loan

Was told entire payoff amount and deadline. 
Sent payment in full. 
Was called back by agency and told i still owed money beyond the payoff. 
That the agreed to amount was not approved Trying to charge me thousands more.