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

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer. 

Please block and remove all account because i did not give you my consent to add to my profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that appears on my credit report maintained by Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), Promissory Note and Securities Compliance, Securitization Laws, and the Racketeer Influenced and Corrupt Organizations Act ( RICO ), I am requesting the immediate investigation and removal of the following erroneous items : Incorrect Alias : Also known as : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX,XX/XX/XXXX Incorrect Employers :XX/XX/XXXX XX/XX/XXXXErroneous Account Entries : XXXX XXXX XXXX, Reported : XX/XX/XXXXXX/XX/XXXX XXXX, Reported : XX/XX/XXXX XXXX XXXX, Reported : XX/XX/XXXXXX/XX/XXXXXXXX, Reported : XX/XX/XXXX DPT EDXXXX XXXX, Reported : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX, Reported : XX/XX/XXXXXX/XX/XXXX XXXX, Reported : XX/XX/XXXX XX/XX/XXXXXXXX XXXX, Reported : XX/XX/XXXX XXXX XXXX, Reported : XX/XX/XXXX XXXXXX/XX/XXXX XXXX, Reported : XX/XX/XXXX XXXXXX/XX/XXXXXXXX, Reported : XX/XX/XXXX XXXX XX/XX/XXXXXXXX, Reported : XX/XX/XXXX XXXXXX/XX/XXXX XXXX, Reported : XX/XX/XXXX XXXXXX/XX/XXXX ORIGINAL CREDITOR XXXX, Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX ORIGINAL CREDITOR XXXX, Reported : XX/XX/XXXX XXXXXX/XX/XXXX ORIGINAL CREDITOR XXXX, Reported : XX/XX/XXXX Unauthorized Inquiries : XX/XX/XXXX, Reported : XX/XX/XXXXXX/XX/XXXX, Reported : XX/XX/XXXX Each of these disputed items contains errors and potential violations under federal laws governing credit reporting and consumer protection. I demand that Equifax provide evidence of compliance with legal requirements, including proof of legally binding obligations, securitization details, and validation of any outstanding debt obligations. 
Additionally, as you are aware, the Consumer Financial Protection Bureau ( CFPB ) has recently initiated a lawsuit concerning violations of consumer credit laws, which further underscores the importance of Equifax ensuring its compliance with the law in handling disputes. Given the CFPBs legal actions, I urge Equifax to take immediate corrective measures to avoid further regulatory scrutiny. 
As required by law, Equifax must conduct a proper reinvestigation of these accounts within 30 days. Please provide a written response confirming the deletion or correction of the disputed items. Failure to comply will result in further action, including formal complaints with the CFPB and legal escalation. 
Please send all correspondence to my mailing address as listed above. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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: Mortgage

Please see attached letter - the most imperative help you could give us is to get all the phone records for the last 5 years. This is the most clear way to show all of the legwork we have done and all the events that have transpired
Product: Credit card or prepaid card

I have a credit card with Bank of America and have been a customer for nearly a year between XXXX. I have excellent credit and have paid the full balance on my card on several occasions. I always make extra payments and pay over the amount due. However, I am still being charged the full interest rate and I'm a military member. I sent in all of my documents for SCRA eligibility twice and am awaiting a response. I have asked for lower interest rates but am being told that the rates are going off of eligibility during a supervisor conversation on XXXX XX/XX/XXXX. I discussed the fact that my credit is excellent and my rate should be lower. It's lower on all other cards. I would like in inquiry into equal lending practices because I believe my interest rate is higher due to being a XXXX  and female. Bank of America has had discrimination issues in the past with lending. I do not believe these issues have been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX amount {$220.00}. This is not my account. I have disputed with XXXX, Equifax, and XXXX and the company who says it's my debt and never heard back. The credit agency says it mine but I have no knowledge of this account.
Product: Credit card or prepaid card

This complaint is related to the other complaint I have filed. I called the number given in response to my complaint by XXXX XXXX XXXX several times and was told only one man was allowed to speak to me and he was never at his desk. He never called back to arrange the payment of {$130.00} as offered. I never received anything in the mail from XXXX XXXX XXXX. The contact info I have is XXXX XXXX at XXXX ext XXXX and later was told to reach him at XXXX. Ive also tried calling XXXX/capital one several times. A woman named XXXX left her number as XXXX ext XXXX. She left the case number XXXX in the message. I have called that number daily, still unable to speak with her. It rolls over to another customer service representative. Twice I was told they have my address incorrect and I informed them of my correct address. On XX/XX/XXXX XXXX stated XXXX capital one had my address incorrectly listed as XXXX, Iowa. She said she was unable to change my address. On XX/XX/XXXX XXXX stated she updated my address to XXXX, Iowa. The last time I called I was informed by XXXX that XXXX capital one had re-purchased my debt from XXXX XXXX XXXX and I was being asked to pay {$390.00} again. On XX/XX/XXXX XXXX stated XXXX/capital one had my address as XXXX, Illinois-again incorrect. The {$130.00} was what I opened the store credit card with and the additional money is from late fees and charges for not paying the bill. They sent the credit card and all of the bills to an address similar to mine but in another city and then passed off this incorrect address to the debt recovery company. I have never received any mail from XXXX  capital one or XXXX XXXX XXXX. Over the course of this last year my credit score has dropped more than 100 points. XXXX  capital one again incorrectly updated my address as Illinois instead of Iowa. I asked them to send me anything just to prove that they had my correct address and show what exactly they wanted me to pay. I was informed by XXXX on XX/XX/XXXX capital one would not send me anything until I agreed to pay a settlement. I had to agree to a settlement that day and then something would be sent to me in the mail. I refused to pay {$390.00} as I am not responsible for their clerical error and continued incompetence. Damage has been done to my credit score and I was told capital one could do nothing to adjust that. I would be willing to pay more than the {$130.00} I owe if there would be some reassurance that my credit score would return to what it was before XXXX  capital one made this mistake. Please help me with this as it is frustrating and disheartening as I have worked so hard to achieve good credit scores in the hopes of obtaining a home improvement loan.
Product: Student loan

I have loans that were through XXXX XXXX and then transferred to Navient. I got in a tight situation with medical problems and couldnt work for a bit. I still tried making payments as much I could possibly afford. I even had them automatically withdraw each month. Well then they told me that the only thing my payment basically wasnt counting and interest was eating me alive. I even had " lost '' payments that I provided proof for and was never credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States that I have a right to privacy.

15.U.S.C 1681 Section 604A Section 2 : It 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 number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.
Product: Mortgage

I have been working for over 3 years on a " Loan Modification '' with CITIBank, made it to underwriting and was denied immediately and then proceeds to tease me saying " This is what we could have done for you had you qualified-a forbearance of {$55000.00}, with a 2 % interest and an interest/principal payment of {$330.00} on a balance of {>= $1,000,000} '' This is exactly what I have been working on for 3 years. I have financing available but because CITI will not comply with my request for a payoff letter honoring my payoff of $ XXXX to close out this loan that I have been paying on for over 13 years and they have me owing more than the house is worth, forcing me to pay {$500.00} for an interior inspection which was NEVER done at the time they " Granted '' me this loan and have given me a DEADLINE which I will not be able to meet and I have written to my CITIBank " Specialist '' requesting an extension to honor my ability to provide funds to close this account! I am sick and tired of how the Big Banks can have so much power over people, constantly harassing and threatening and putting so much fear into people just trying to save their houses. These Big Banks get fined Billions of dollars and they do nothing, it's just a slap on the hand for them, they continue with their corrupt and unconscionable abuse to the consumer.
Product: Debt collection

This debt was a XXXX bill that was paid when I transferred service to my current phone provider. I advised Midland Funding to verify this but got no response. I also have been harrassed about this debt outside of FDCPA guidelines.
Product: Checking or savings account

My account was compromised on XX/XX/2022 My account contact information was changed. A XXXX account was made and 2 {$500.00} transactions were taken from the account. I contacted the bank the account was frozen until I was told I needed to go to the bank in person and order to have it unfrozen. On XX/XX/2022 I received another email that my contact information had been changed again and two more XXXX accounts were set up. I went to the bank and spoke with XXXX XXXX, explaining to him the situation we closed the original account opened a new one as well as changing the username and passwords. The two {$500.00} transactions were refunded to the account. On XX/XX/2022 the account contact information was changed once again. I called the fraud hotline they said that the only thing they would be able to do for me would be to change my information back. On XX/XX/2022 another notification was emailed to me that my contact information was changed again. I went to the XXXX XXXX sheriff 's department and filed a complaint on XX/XX/2022.
Product: Student loan

I am applying for Public Service Loan Forgiveness and my lender is XXXX XXXX. Up until my XX/XX/XXXX billing statement, the PSLF payments made on my account were between 11 and 22 payments for each loan. As of my XX/XX/XXXX billing statement, my PSLF payments were reduced to between 4 and 6 payments. I contacted XXXX XXXX in XX/XX/XXXX and the agent wasnt sure what had happened. The XXXX rep assured me that a review of my account would be done. Its now the end of XX/XX/XXXX and I havent heard back from XXXX XXXX and my PSLF nimberbif payments hasnt been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Money transfers

Paypal processes payments between buyers and sellers, and they claim to be protecting the buyer against fraudulent sellers ( misrepresented used goods ). When there is a problem, they do n't review the case carefully, and they lacksadaisically inform the buyer that s/he needs to foot the bill for the return shipping and tracking information, even when it is between foreign countries. They have an insurance program to cover these types of disputes, but they do NOT make any of the information available to the buyer. They try to trick the person into paying the bill. I think they are indifferent and lazy, and in this way they passively foster and foment fraudulent activity among predatory sellers. 
Buyer beware, do not use paypal outside of ebay because ebay will protect you buy paypal will absolutely not. PAYPAL = negligence
Product: Checking or savings account

It appears Truist manipulated debit purchases to hammer me with overdraft fees. I went to bed last night with a balance of {$80.00} in my checking account. Some transactions were still pending however my balance already reflected what was already taken from my account. When I woke up I checked my account and It was overdrafted by {$2.00} however they charged me XXXX in overdraft fees. This isnt the first time Ive assumed something shady has happened. I strongly believe Truist like many other banks manipulate debit card transactions to maximize their profits from common people like myself with overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 17  is did a balance transfer from a  Visa  Credit Card to this Capital  One  Master Card under a promo rate. {$3000.00} plus the {$65.00} charge On  XXXX / XXXX /   17  Capital  One  took my normal minimum payment {$25.00} On  XXXX / XXXX / 17  Capital  One  then took the Total Statement Balance {$3000.00} ( I did not authorize this or make any changes for this to occur ) On  XXXX / XXXX /   17  Capital realized the error and refunded the money back into my Checking and put the debt back on the credit card at the original Promo Rate for the error on their part.   During the call the Customer Se rvice Rep said  that he needed to reset up t he Auto Draft  and he would have the Payment come out with the same  XXXX  date.   On  XXXX / XXXX /   17  I get a letter that I am 2 months past due and right away make the {$76.00} payment to bring account current On  XXXX / XXXX / 17  I submit a complaint to adjust the 30 day late on my credit report On  XXXX / XXXX /   17  I get a letting saying the 30 day late is correct and the wont adjust it off On  XXXX / XXXX /   17  I ca  ll capital one again and they agree it should be removed but all they can do is submit another claim.
Capital One took the normal Minimum payme  nt on  XXXX  and if the system did not make a change and took the same payment on  XXXX  this would n't be an issue.     This is affecting my refi on my mortgage and I this is not my fault. I have perfect credit always on auto draft and the rep on the  XXXX / XXXX / 17  the rep should had advised that I needed to somehow make the  XXXX  payment again and the auto draft he set up would not work until  XXXX . I was mislead to just get the call over with and now I have this haunting 30 day late.     Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached highlighted pictures of accounts on my credit report that are reporting incorrectly, per the FCRA they have to report correct information or be deleted.
Product: Credit reporting or other personal consumer reports

Experian was notified of adverse information on the consumers credit report via victim of XXXX XXXX self attestation by a registered XXXX. 

Experian has made the determination that my documentation was not valid. 
this is incorrect. 

XXXX accepted the same documentation the week of XX/XX/XXXX. 

Experian is currently causing seriously financial harm and commercial XXXX acts to me by reporting continuing to report adverse information. 

I demand the items listed in my private correspondence with experian be removed immediately. as we are now days past the 4 day time limit.