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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.

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 account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed on my Credit Report and noticed incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry through Barclays Bank in Delaware on XX/XX/2021 but I have never even heard of Barclays Bank nor I have I been to Delaware!
Product: Money transfer, virtual currency, or money service

I ordered some clothing from a scammer and never received my items. Attempted disputing the transaction multiple times and been denied. I placed the order in XXXX and was told would receive a refund in XXXX. IT IS NOW XXXX. I still have no clothing and my money is gone.
Product: Credit reporting or other personal consumer reports

New Complaint : Subject : Urgent Consumer Protection Matter - Unacceptable Handling of Complaint Dear CFPB and Trans Union I am writing to express my profound dissatisfaction with Trans Union 's egregious mishandling of my consumer protection rights. The level of malice, misinformation, and blatant lies presented in their response to my CFPB complaint ( XXXX ) is utterly unacceptable. 

Upon receiving an email from the CFPB on XX/XX/2024, I discovered that Trans Union 's response, asserting that the disputed accounts were not reflected in my credit profile, is nothing short of a fabricated tale. Contrary to their claims, my Trans Union Credit report clearly shows the disputed accounts from XXXX XXXX XXXX ( XXXX accounts ), XXXX, and XXXX XXXXXXXX XXXX, all of which continue to cast a false shadow on my credit score. 

In a conversation with Trans Union 's supervisor, XXXX XXXX, I was appalled to learn that my disputes were arbitrarily canceled without removal from my profile. The admission that Trans Union openly favors creditors and offers no protection to consumers is not only disheartening but a stark betrayal of trust.

It is deeply troubling that, despite filing multiple disputes and complaints, Trans Union insists on perpetuating this injustice. Supervisor XXXX 's suggestion that obtaining legal representation is the only viable recourse further highlights the systemic bias and discrimination at play. 

I must emphasize that this is not just a matter of consumer rights but a clear case of racism and bias discrimination. My XXXX faith and XXXX  status seem to be unfairly influencing Trans Union 's handling of my case, and this is unacceptable. 

The only acceptable resolution is for Trans Union to promptly rectify this situation by removing the fraudulent accounts from my profile. I demand the removal of accounts from XXXX XXXX XXXX ( XXXX accounts ), XXXX, XXXX XXXXXXXX XXXX, as well as inquiries by tXXXX XXXX XXXX XXXX XXXX 

I insist on communication solely via email, and I expect a swift and just resolution to this matter. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Student loan

I am currently in Chapter XXXX bankruptcy and my student loan provider is refusing to give me credit toward public service student loan forgiveness because i am in bankruptcy. FedLoan refuses to discuss the issue with me and will only talk to my attorney. I can not be discriminated against due to being in bankruptcy. FedLoan is discriminating against me by refusing to give me credit toward public service student loan forgiveness credit. The Bunchanan Provisions state : The Debtor shall be allowed to seek enrollment in any applicable income-driven repayment ( IDR ) plan with the U. S. Department of Education and/or other student loan servicers, guarantors, etc. ( Collectively referred to hereafter as Ed ), without disqualification due to her bankruptcy.
Product: Checking or savings account

Pnc has made it difficult to link to outside financial firms. As this is standard practice it makes it appear that they are attempting to prevent transfers out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I sent XXXX, EQ, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to XXXX, EQ, XXXX through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after ( date of the Previous letter ). Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance XXXX {$130.00} XXXX XXXXXXXX Balance : {$57.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$490.00} XXXX & XXXX XXXX XXXX : {$780.00} XXXX & XXXX XXXX XXXX : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently still being reported inaccurately on credit report by the State of CT Department of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the following credit reporting agencies : Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have experienced numerous inaccuracies and failures in reporting on my credit file, which have caused significant harm to my XXXX XXXX and financial well-being. 

Dates and Events : Current FICO Score : XXXX  Erroneous Entries : XXXX  collection accounts totaling {$7200.00} in derogatory debt reported inaccurately.

XXXX  accounts falsely reported as late, despite prior disputes and supporting evidence.

Incorrect credit utilization of XXXX  %, which negatively impacted my credit score. 
XXXX  debt reported at {$27000.00}, leading to a total balance of {$51000.00}. 
Specific Issues : Misreporting of Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and others inaccurately marked as late or having negative impacts on my credit. 

Several accounts inaccurately marked as potentially negative or derogatory, including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to name a few. 

Collection Accounts : Multiple accounts with collection agencies, such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others, reporting inaccurate or misleading data. 

Inquiries : Inaccurate and untimely removal of credit inquiries, such as XXXX and XXXX, which do not align with the removal date or continue to impact my score unjustifiably. 

Actions Taken : I submitted multiple disputes to the credit reporting agencies, presenting evidence to challenge the inaccuracies. 

Despite these efforts, the errors remain uncorrected, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the failure to conduct reasonable reinvestigations, report accurate information, and comply with statutory timelines for dispute resolution. 

As a result of these errors and violations, I have suffered tangible harm, including credit denials, increased borrowing costs, and undue emotional distress. I am requesting immediate corrective action from the credit bureaus to address these issues, including the removal of inaccurate information, a proper reinvestigation of all disputed items, and compensation for the harm caused.
Product: Consumer Loan

I had a vehicle loan with GM financial and after my husband lost his job my vehicle was repossessed. I was in discussion with many financial representatives for hardship status and after speaking with GMs representatives we came to an agreement amount in XX/XX/2016 that they would accept {$3800.00} as full settlement and agreed to dismiss the charge off and list it as paid in full per our conversation and agreement. This was not honored. I have worked very hard to improve my credit and have not abused lending. I have not been afforded any chances at reestablishing myself as GM/XXXX did not honor their end. If it was never the intention of the company to forgive the amount left over, they used a very dishonest way of misleading me into believing if I came up with this VERY large amount of money, that I would be free of this debt. They were able to sell the vehicle, I paid on the vehicle for a couple of years and I paid the settlement amount agreed upon. I would like this charge off, unpaid balance removed from my credit report and I would like an updated report sent to the companies who requested my information. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and 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 XXXXXX/XX/XXXX
Product: Credit card

I have 2 credit cards with Bank of America, and I put both of them on AutoPay. But, Autopay didn't work, so I got charged a late fee on both. Also note that : 1 ) Bank of America recently rearranged the menu items in the payment center in a more confusing way ; 2 ) Certain buttons do not show up in XXXX at all, while they do show up in XXXX ; XXXX ) Autopay has long had problems, substantiated all over the internet, e.g. XXXX XXXX XXXX 4 ) I know that I've put the cards on Autopay, or at least I've tried, but the Bank of America XXXX said I never did- that is upsetting.
Product: Credit reporting or other personal consumer reports

I'm filling a complaint against Equifax for failing to property investigated my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation.This Practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ~1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C.~~ 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative Proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The Following account are in violation of my Fair Credit Right : Account : XXXX XXXX XXXX  XXXX ( XXXX ) Date opened : XX/XX/year>, Balance : XXXX. 
Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/year>, XXXX : XXXX. And Account : XXXX XXXX XXXX ( XXXX ), Date opened : XX/XX/year>, XXXX
Product: Mortgage

We have a home loan with Alliant that was started this year ( XXXX 2021 ). We set up an autopay for the mortgage to be withdrawn the first of each month from our checking account and am able to track that they have been successfully withdrawn at that time. 

However, I keep receiving notices from Alliant via postal mail stating that our monthly payment has not been made ( it is technically due the XXXX of each month ) even though it can easily be shown through our bank records that the transactions are taking place. So I am being charged late fees for mortgage payments that have already been paid well in advance. 

I have called multiple times to Alliant and they state they aren't aware of why I would be getting these constant letters informing me of late fees and that they can see that my mortgage is paid appropriately each month. However, the mail I'm getting keeps increasing amounts of total due for not only the " overdue '' mortgage payment but also late fees that are clearly in error.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on Equifax XXXX XXXX XXXX  with the account number ending XXXX is listing the account as paid as agreed but in the payment section in XXXX it reported me as being 30 days late and then in apr they reported me as being 60 days late that is a direct violation of the fcra rules it can't be paid as agreed and show late payments also
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identify theft. XXXX XXXX placed a hard inquiry on my credit report. Thank I do not recognize. These are the steps that I have taken since the hard inquiry have been placed on my account. 
I have filed a report with the FTC, I also placed a freeze on my account with the credit bureaus.
Product: Debt collection

On XX/XX/XXXX I received email alerts from XXXX, XXXX & XXXX that Fair Collection & Outsourcing was reporting a " Collection '' debt in the amount of {$8100.00} from a creditor name ( XXXX XXXX ) opened XX/XX/XXXX. 

I recently visited the XXXX XXXX XXXX XXXX ( Management Company for XXXX XXXX ), as I have never heard of this company or done any business with them. The Property Manager ( XXXX XXXX ) have stated they have no records of me leasing with them in XX/XX/2019, or me owing a balance with them. I have also visited the same day the XXXX County court house in XXXX, MD to see if I have a public judgement of any kind ( which would have been reported on my credit report by XXXX XXXX if I owe them ) but there is no judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  I Inquired on XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX  - XXXX  on XX/XX/XXXX XXXX XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit card or prepaid card

As previously complained of in CFPB complaint # XXXX closed XX/XX/XXXX, as well as CFPB complaint # XXXX, closed XX/XX/XXXX- American Express BlueBird XXXX has again closed my account this day XX/XX/XXXX, allegedly under BMA section 22D again. This pattern of BlueBird arbitrary closing my account has not been explained except for the phrase : " feedback has been provided to the appropriate parties regarding this matter '', but yet this behavior continues to happen about every thirty 30 days. Being a service-connected XXXX & otherwise homeless U.S. Veteran, I must have confidence in the ability to access the little funds I do have. If I am violating the BMA, I should be told with specification on how and when this occurs. If BlueBird simply does not want me to have an account, they should tell me so that I can make other arrangements for prepaid services ; rather than leaving the impression... " the appropriate parties '' have been provided feedback regarding this " re-peated matter ''. In view of my pervious CFPB complaints, it seems that I am being personally targetted with this " account-closing harassment, '' for unspecified reasons.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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