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

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. However, the XXXX and TransUnion credit Bureaus are reporting these information in my file. The inaccurate addresses are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I have disputed several inaccurate items on my XXXX, XXXX XXXX Experian credit report, which appear under the names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under the Fair Credit Reporting Actparticularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ( A ) I have requested that they provide a valid contract or agreement bearing my signature to verify these accounts. If the data furnishers fail to provide this evidence within 30 days, these items must be removed. I request the CFPBs assistance in ensuring compliance with the law and the timely removal of any items that can not be properly verified. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions,
Product: Debt collection

I get 2 to 6 calls a day, all day from this company for a medical dept I do not owe.
Product: Credit reporting

I fill out the form to get my annual free credit report, i give all my information asked i the form to this web page and the last step is asking mXXXX about money charging XXXX dollars and change to give my information. This supposed to be free why asking and getting all my information if this web page will not give me my credit report??
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an alert of an attempted credit for XXXX XXXX. 
I did not make this inquiry. Please delete immediately do not grant credit.
Product: Student loan

I called to increase my monthly automatic payment in order to pay less interest and pay off my loans sooner. This went fine for a while, until this month when they bumped my loans back down to the minimum payment, and have scheduled an automatic payment for {$0.00}. I gave no authorization for this, nor did I receive any notification of this. I only checked because it happened to a friend, who posted it to XXXX advising everyone to check. Otherwise I would n't have known until after the fact. This seems like an extremely shady tactic for collecting additional interest and does n't seem to me that it should be legal.
Product: Credit reporting or other personal consumer reports

Report # XXXX was on XX/XX/year> I requested XXXX to file a dispute against my accounts with XXXX XXXX and Mohela XXXX Regarding My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard information. 
Given the severity of this breach and resulting compromise of my personal and financial information, I requested that immediately cancel and discharge my student loans debt in full. The investigation took less than a month. And there were other students who had the same issue that has resolved cases. The investigation information was very short company disagrees thats it. For over 13 accounts. No investigation or explanation was done throughly.
Product: Debt collection

I received a hit on my credit regarding 2 medical bills, one for {$2300.00} and the other for {$2400.00}. I contacted the company to let them know that the bill was paid per my insurance and provided the paid documentation from my health insurance app and they still refuse to remove the negative information. Due to this, it is causing my credit to be negatively impacted for no reason.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


-- INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received multiple threat calls to my cell, my job and my family.
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved issue concerning unauthorized hard inquiries that persist on my credit report. Despite my initial dispute via mail, I find it disconcerting that I have yet to receive any form of acknowledgment or communication confirming the removal of these unwarranted inquiries from my credit profile. 
-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

SLS is continuing its pattern of refusing to abide by the federal statutes and regulations relating to PMI, with this case applying to our home located in XXXX, Florida. We have invoked our right under the Homeowners Protection Act to have an appraisal done on our home due to substantial improvements to cancel the existing Single Premium PMI policy. Even after two requests, SLS refused to initiate the process to remove this PMI policy, which is currently in effect. I am not sure if they are so negligent regarding the administration of the Homeowners Protection Act that they do not understand its basic provisions, or if this is purposefully done. 
I have attached : ( 1 ) our initial request on XX/XX/2022 to have the PMI removed based on substantial improvements and their denial to initiate the process to have the PMI removed on XX/XX/2022. They stated there is no PMI " being paid '' but that was not what the request was based on. We want a proportional refund because the PMI is no longer needed ; ( 2 ) our second request on XX/XX/2022 further invoking our right under the Homeowners Protection Act to have the PMI removed and proportionally refunded based on the substantial improvements. Their response in this case was simply egregious. They stated that the only way we could have the PMI removed was via a refund. I am not sure how many people they have tricked into refinancing their loan just to have the PMI removed ; ( 3 ) Details about the existing PMI policy with XXXX from our SLS portal ; and ( 4 ) The XXXX Refund Schedule.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors is unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report, which has been wrongfully verified by TransUnion, XXXX, and XXXX as accurate, despite prior disputes. The continued reporting of this incorrect information is damaging and unjustified. I have included attached documentation that clearly disproves the information being reported. 

This failure to correct the inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623 ( b ), which mandate that credit bureaus and furnishers ensure the accuracy and integrity of the data they report. 

Given this evidence, I am requesting the immediate removal of the inaccurate information from my credit report. The ongoing failure to correct these mistakes is unacceptable and must be resolved in compliance with the FCRA.
Product: Credit card

I, XXXX XXXX XXXX, report identity theft. Found unrecognized XXXX XXXX  card XXXX {$700.00} balance. Also, unauthorized credit inquiries : XXXX - XXXX XX/XX/2024 XXXX XXXXXXXX XXXX Business : Mortgage Reporters XXXX XX/XX/2024 XXXX XXXX, MN XXXX : Finance Companies Have closed unrecognized card, filed police report, and disputed with credit agencies. Request thorough investigation and restoration of credit integrity. Will cooperate fully. Urgent attention appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yot they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX & Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an Automotive loan that was opened XXXXXXXXunder the account number # XXXX ) This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Accounts : XXXX, XXXX I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, EQUIFAX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reported a charged-off debt to XXXX, XXXX, and EQUIFAX on my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. XXXX XXXX XXXX XXXX XXXX ( XXXX ) actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX engaging in deceptive conduct that harms consumers ( Me ). Furthermore, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX XXXX XXXX XXXX XXXX ( XXXX ) improperly disclosed my personal information to credit reporting agencies, specifically XXXX, XXXX, and EQUIFAX without my permission. Additionally, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, XXXX, and EQUIFAX . This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$6300.00} XXXX XXXX XXXX XXXX XXXX - {$680.00} XXXX CARD XXXX XXXX - {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Name : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of a fraudulent item from my credit report. Despite my continuous efforts and multiple disputes, the following fraudulent account remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the responsibility of the credit bureau to investigate and rectify these inaccuracies promptly. I request that you could help me : Immediately remove the fraudulent item from my credit report. Provide written confirmation of the removal. Given the extensive history of my disputes and the lack of resolution, I am also filing a complaint with you to seek their assistance in resolving this matter. Failure to address these inaccuracies may result in further legal action to protect my rights. Kindly help me remove the following items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was approved for a hardship with my credit card. My interest was lowered and a set minimum payment was put into effect on XX/XX/20. The bill for XXXX showed the old higher amount due. I paid the minimum due per the hardship agreement. This continued for months, each time I was informed the hardship amount was the correct amount and to disregard past due amounts. In late XXXX a delinquency was posted to the credit unions showing past due of the difference for over 30 days. I filed a complaint on all 3 credit unions and called BBVA again. On XX/XX/XXXX, XXXX in hardship found the problem and corrected it. However on XX/XX/XXXX, another delinquent amount was shown being over 30 days past due in the amount of {$0.00}. I have never been delinquent on this account.
Product: Credit card

Yesterday, XX/XX/2024 I discovered my credit card was not in my wallet. I just used it an hour earlier so I have a very good idea where I lost it. On calling the business they said they had not found my card. So I proceeded to call the number on the back of my wifes card ( XXXX ) to report the card lost or stolen. I have visa card from XXXX issued by CITI bank. 

When I called the number the person who answered said they were going to send me a {$100.00} reward. I thought this was strange, but maybe it had something to do with my XXXX XXXX XXXX on the XXXX  XXXX. I gave her my name and address, She wanted to know my email address. I started getting suspecious and asked if I could report the card missing. She continued to request information. I refused to give it and demanded to report the card missing. I was concerned that someone could be using the card at that very moment. Finally she admitted that I was not talking to CITI bank or to XXXX and gave me a number to call to report the card missing. When I called that number ( XXXX ) it was still not CITI bank or XXXX. I had to use my phone to search for the correct number. 
When I reached a representative to report the card missing I told the representative about the misleading and incorrect phone number on the back of the card. The representative did not know a thing about it. I asked her to report the problem to the management and to fix it. 
When I received an email from XXXX XXXX stating I had a hold on my card I followed the link " Contact Us '' XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX ) in an attempt to inform them of the problem with the phone number on the credit card but the link led to a blank page. 
What bothers me the most about this situation was the deception in the phone number and the possibility of me giving out all sorts of personal information to an agent thinking that I was talking to a trusted business, namely XXXX or CITI, I called what was supposed to be a TRUSTED NUMBER on my credit card! It was actually a phishing scam. 

I want XXXX and CITI bank to send a notice out to everyone who has a credt card notifying them that the phone number on the back of the card is wrong and not to be trusted or used to report a stolen or missing card and they should provide the correct number. 
Furthermore they should be required to inform the cardholder every time that VERY IMPROTENT AND VITAL NUMBER is changed so there will be no confusion in the future about who you are talking to!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I did not consent to these negative reportings ( 5 missed payments ), on my credit report. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. DATE OF OCCURENCES ; Reporings from ; XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and one updated which damage was already done on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
Unauthorized, unverifiable collections on my 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
Product: Debt collection

XX/XX/year> - I requested an investigation that the amounts were correct. They did not properly investigate the disputes. The following accounts are inaccurate and I have sent in proof of the inaccuracies and they did not properly investigate. 
NCB Management - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - was removed from one credit bureau but removed from another. They did not properly investigate to see that this was removed from one account.