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

I am one of the consumers who 's data was breached from Equifax according to their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing information that has been reporting in correct on my credit report. Name, address, repos, numbers of inquiries, jobs. Ive even mentioned the letters that I e gotten in the mail in regards to there in a security breach and that my personal information had been exposed and possible used. Almost three years and no one has not done anything but update the account the wrong way with false information.
Product: Credit card

Barclaycard randomly locked account without notice and asked for tax returns. Been a customer for nearly a decade. Never heard of this and this is a credit card with a rather low limit. 

Can not access online either to make payments, download statement, or review transactions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the XXXX XXXX  XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605 ( 15 U.S.C. 1681 c-2 ) that you, the Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent activity is regarding of a personal credit card account opened at XXXX XXXX, on XX/XX/year>, another personal credit card at The XXXX XXXX, XX/XX/year>. 
This information is not information or transactions I approved to be reported to my consumer report and violated several federal laws. In addition, violation 15 U.S.C. 1681a ( d ) ( 2 ) by way of reporting experience and transaction within my consumer report. Also, my previous disputes are violation of 15 U.S.C. 1681a ( e ), which the investigation has always included factual information on my consumer report obtained directly from the creditors of the consumer ( me ). These accounts do not have my permissible purpose to furnish the information they are reporting, yet they are selling to third parties, which is identity theft. I have attached a copy FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wont remove this inaccurate fraudulent information from My account I will sue them if they dont each violation is {$1000.00} fine XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$23000.00} these are all fraudulent accounts
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove from my credit report immediately thank you. 
XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX credit card and have no issues with it. My problem is with Square, the payment processor. Square has an automatic process that links an email to a credit card and then automatically sends out receipts to that email. The consumer 1 ) can not change the email - only the person at the email address can do that and if the receipt is being emailed to the wrong person then that is a problem and 2 ) Square has absolutely zero customer support for anyone other than a merchant. You can not call them or email them without a merchant account. 

When a charge is made using my XXXX card at a Square merchant POS terminal, the incorrect email shows at the bottom of the receipt, but the customer can not change it. This is a breach of privacy as well as extremely frustrating. I literally have nowhere else to turn.
Product: Credit reporting

On XXXX XXXX, 2016, I was notified by email from Experian Credit Monitoring Service that XXXX has reported to the credit bureau ( s ) an alleged debt collection account in the amount of {$63.00}. My records show this alleged debt collection account reported by XXXX XXXX in the amount of {$63.00} to be incorrect. I have attempted to dispute the information by using the online dispute services I am paying for with Experian Monitoring Service, but Experian Monitoring Service has disabled my ability to do so. Attachments to this online complaint submission is a copy of the information in my Experian Credit Monitoring Service account, along with a copy of the notification from Experian Credit Monitoring Service stating I am not allowed to use the online dispute service, a feature in which I am paying for monthly with this credit reporting service.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

I currently have 4 separate student loans that I have been paying on for years with XXXX, XXXX, XXXX XXXX and american education services, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with american education services just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with navient of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 Wrong address on my report as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Also, my employer is also wrong. XXXX XXXX is not my employer. 

report has ALSO KNOWN AS XXXX XXXX which is not accurate. am XXXX XXXX and don't go by XXXX XXXX
Product: Credit reporting or other personal consumer reports

filed a dispute every month to have my address updated. Address was reported from lienholder as physical address of dealership. Option to update current and correct address enabled after multiple attempts to dispute. Experian allowed lienholder to report erroneous information after I submitted supporting documentation. 
Auto Loan balance fluctuated to more than original amount, my consumer rights were violated and account remained on report to show delinquent after property was surrendered not reposessed. The property was returned before the loan was reported to credit report. Experian did not honor dispute in my favor that no credit inquiry was conducted from leinholder and remained to keep auto loan on credit report after dispute with no further investigation to resolve. Dispute continued to be closed within 7 days
Product: Credit reporting or other personal consumer reports

i received several alerts from a company called factual data or something like that, i have never heard of them and absolutely NEVER would have consented to a credit report being done, if you can see throughout the history of my credit i have NEVER went over XXXX inquiries!
Product: Debt collection

Acct was opened on XX/XX/XXXX. 
I was XXXX  from XXXX until XX/XX/XXXX I provided documents stated this is fraud. Company did not acknowledge the information submitted. Dispute was filed.
Product: Credit card or prepaid card

Hye, I have credit card with Navy Federal Credit Union. 
I traveled with my family to XXXX Tx and stayed at XXXX. I tired to extend the night stay through XXXX and paid from my Navy Federal Credit Union card. My payments was deducted but got no confirmation or notice from XXXX. After waiting for 30 minutes I contacted hotel XXXX. The staff on duty told me there was no booking reflecting into the system. I also called XXXX and they also told me to contact hotel staff as they have no information. However if we want to extend the stay we need to pay more for other hotel options, which I disagreed. 
In morning we checked out the hotel while payment was deducted from my card. I disputed this transaction as we didn't stay at hotel and still charged for this. Now after dispute Navy Federal Credit Union is asking fro invoice and other proof which I told them I never got and after paying for extended night it doesn't make any sense that we didn't stay at hotel. Navy Federal Credit Union is not resolving my issue and I told them its all fake and I need my money back which they are not trying to settle down. Please get me my money as its a good amount for me paid for what not consumed at all.
Product: Vehicle loan or lease

I sold the vehicle to XXXX of XXXX on XXXX first, the payoff check to Upstart ( the lender ) cleared XX/XX/2022. I received an email from Upstart stating the loan was paid off. It is now XX/XX/2022 and they STILL are not sending the title or a release of lien to myself or XXXX of XXXX so they can pay me what they owe me and sell the truck they paid for in XXXX. 

XX/XX/XXXX - check cleared Both myself and XXXX XXXX started calling end of XXXX to see where the title was. Upstart lending has not once called us back or followed up. They kept saying we needed to be patient and stop bothering them. Then they said they had 8 weeks and the hard deadline for getting it to us was XX/XX/XXXX. Still nothing. I called XX/XX/XXXX and spoke AGAIN to XXXX at Upstart and he said he was sorry for my frustration but i needed to be patient. I FINALLY got the number for XXXX XXXX, XXXX said they process the titles for them. I called XXXX XXXX XXXX. XXXX has been instructed by Upstart to not talk to their clients. 

XX/XX/2022 - STILL no title or release of lien OR indication of when it will be coming
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO DELETE ACCOUNT : Name Account Number : XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. The Referenced court cases the Federal Cours have recently ruled on are as follows : XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

'' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement.

Please provide the following as an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : XXXX. A court order authorizing a consumer reporting agency to provide a consumer report, XXXX. A written authorization from the debtor to obtain a consumer report, or XXXX. Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. Please send me a copy of an updated credit report. 

Thank you,
Product: Credit card

On XX/XX/XXXX, I logged into the mobile app for my bank Desert XXXX XXXX XXXX. This app is password-protected and additionally has biometric data of my fingerprint and XXXX saved through my XXXXXXXX XXXX XXXX I applied for a XXXX credit card through the mobile app. These credit cards are issued by a partner bank, XXXX XXXX. 

Not only did I not receive any response from XXXXXXXX XXXX by email, telephone or U.S. postal service within 7-10 days as required by law, when I called cardmember services ( XXXX ) XXXX on XX/XX/XXXX to check on the status of my account, they claimed my identity was " unverified. '' They never sent me notice by email, telephone or XXXX postal service that there was an issue with my identity within XXXX days as required by law. They verified that they have my correct mailing address. They verified that they had my correct SSN and telephone number. 

They state that I have to FAX a copy of my driver 's license and Social Security card to them. As it is XXXX, I off course do not have a landline or fax machine. I am not going to the XXXX  Store to FAX my driver 's license and SSN card to anyone! I properly provided those documents in-person to XXXX upon opening my checking and savings accounts with them in XXXX, and I applied to XXXX XXXX through XXXX XXXX secure mobile app. 
The idea that my identity is unverified is absurd. 

Furthermore, XXXX XXXX refused to furnish the name of the credit reporting agency that gave them the information that my identity is unverified. I believe this is yet another example of XXXX 's failed verification service. As I have an open CFPB claim against XXXX, their continued denial of my existence is retaliation and yet another violation of federal law by XXXX. Additionally as XXXX XXXX is failing to furnish me the name of the CRA that gave them negative credit information, XXXX XXXX is also breaking federal law. I have a legal right to know which CRA is furnishing negative credit information and a right to confront my accuser.
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 Account Name : XXXX Account Number : XXXX and 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

. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act XXXX account # XXXX / XXXX COMERICA BANK. Also, XXXX account # XXXX / XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U S.C 1681 Section 604 A Section 2 : it also state consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$30000.00}. Also, I want to dispute this XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.