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

In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions.
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. 

List of Unauthorized 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 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

I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of receiving a home loan, and was notified by my lender that my Equifax credit report was not available for delivery. ( There are no problems with my XXXX and XXXX   credit reports. ) The lender received this alert regarding my Equifax report : FACT ACT : Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery. 

As a result, I called XXXX on XX/XX/XXXX to make sure that Equifax had all of my correct and current information. When the Equifax representative pulled the information associated with my social security number, a name and several addresses appeared that are not mine, indicating fraud. 

I was informed by the Equifax representative that I needed to provide documents ( including a cover letter, and scans of my drivers licence and social security card ) to verify my account. I faxed this information to ( XXXX ) XXXX on XX/XX/XXXX, but was informed today that Equifax had not received my documents. I will now have to re-submit all of my information to them, and wait another 2-5 days until they can process the documents. I was not given a dispute reference number at any point of this process, so there is no way for Equifax customer service representatives to track my problem across multiple calls, or provide me with any updates as to my dispute at this stage. It feels like I am being asked to fax my most sensitive personal information into a black hole. 

Our closing is one week away, and our lease is up on our apartment at the end of this month, so it is possible that any further delay could derail our closing, leave us without housing, and cost us hundreds of dollars in additional storage and moving costs. 

My impression of Equifax in its handling of this dispute resolution/account verification process is that they are unprofessional, disorganized, and unworthy of the hugely important responsibility they have to American consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXX  XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress has inaccurately reporting late payments on my credit file and these late payments are causing me undue hardship because they are inaccurate. I attempted to contact the company several times and they have an answering service with individuals from overseas who are extremely rude, lack knowledge of company policies or how to remove this inaccurate information off my account. This company continues to report late payments on my XXXX credit report to no avail illegally, I have never missed a payment with this company. I setup this account with my monies as a secured credit card but now because of their inaccurate reporting they are causing my credit report to suffer more damage then they are assisting me. I would like them to immediately cease and desist reporting this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX and Transunion are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX partial account numbers XXXX. ( Please see pages 12 and 13 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self.inc/ LEAD Bank representatives have not communicated the proper information, contradicted there company statements and have caused actual damages to my person because of such actions. 

In efforts to resolve this situation, Self continues to verify illegitimate information after speaking with representatives via phone.

Self is reporting a closed account with a remaining balance even after paying the amount due in full. Not only have I paid my account in full my security deposit was never put towards the balance even after there website and agreement states that it will. There website states " After you finish your Credit Builder Account, ( which I have ) you will receive a payout of your remaining balance, minus the funds used to secure the deposit on your Self Visa Credit Card and any outstanding fees or interest. '' The security de posit of {$100.00} should ensure that I have no remaining balance. 
Instead my account is being reported closed with a balance of {$110.00} even after paying an additional {$110.00} making a total of {$200.00} they have received from me. 
There website states " Any remaining funds not used to secure your deposit will be returned to you once you finish your Credit Builder Account. '' Meaning my security deposit was never put towards my remaining balance. 

Self representatives have done a horrible job in relaying the companies policy and resolving the issue which in turn has affected me drastically.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring through XXXX XXXX and XXXX XXXX. I was notified of a new inquiry on my on my Equifax report for XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX, for a XX/XX/XXXX credit card. I contacted Equifax to dispute the inquiry as I did not apply  for a XX/XX/XXXX credit card or authorize the inquiry. Equifax investigated the inquiry and decided that the inquiry was factual. I also contacted Target and information used on the application were both old and false. I am unhappy with the decision made my Equifax to leave the inquiry on my report because I dont believe the investigation could have been that thorough if they couldnt decipher between current and accurate information and old information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$4900.00} Amount {$4900.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX 2019
Product: Credit reporting

XXXX XXXX continues to falsely report an account closed in XX/XX/XXXX as an Open Account, thereby negatively affecting my credit utilization. This is deliberate ( letter dated XXXX XXXX, XXXX attached ) and both XXXX and Experian were informed, but both insist on compounding the erroneous and possibly illegal information as this account was originally charged off in XXXX XXXX. XXXX XXXX can not take the tax credit charge-off in XX/XX/XXXX and subsequently list it as an open account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX  ) ( Bank ) DATE : XXXX XXXX ( XXXX XXXX ) DATE : XXXX XXXX ( XXXX XXXX ( Auto ) DATE : XXXX XXXX ( XXXX  ( Bank ) DATE : XXXX XXXX XXXX  ( XXXX XXXX ( Bank ) DATE : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only XXXX XXXX  paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX  on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank Reported balance XXXX - RETAILClosed XXXX XXXX XXXXClosed Closed on XX/XX/XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.
Product: Credit card

On XXXX/XXXX/16 I went into Bank of America to get a loan of up to {$1000.00} however, BoA now only uses credit cards and no longer gives personal loans. Needing the money and thinking I would also be able to build my credit, I decided to go with the BoA Cash XXXX card and was told by the banker who was helping me that he will be putting a " rush '' on the card and will arrive on Monday, XXXX/XXXX/16 but may take as long as Friday XXXX/XXXX/16. After Wednesday XXXX/XXXX/16 passes I ask about my card and am told that if I need any credit card assistance to call the XXXX number for CC complaints, again all I am told is that is has been shipped out from Delaware on XXXX/XXXX/16 and should be arriving shortly. Quite annoyed at this point I call the banker who helped me again and tell him my CC has yet to arrive. My banker and I proceeded to the XXXX CC complaint on a 3-way conference call to which the woman on the line told us my address was not accepted and they returned the card to sender. The woman then tells me she can have it shipped to a XXXX Store for me to which i agreed to and that it will arrive on the XXXX of XXXX and to call the BoA CC complaint to get my tracking number from them. XXXX/XXXX/16 at XXXX I called XXXX XXXX Stores close to my location to see if my package arrived to which they told me no. Shortly after I proceeded to call the XXXX CC number again and explain to the woman all that happened and that I am to receive my card today XXXX/XXXX/16 but to my surprise she told me they never mailed it out through XXXX, have no tracking number, and also no notes of ever having a conversation about mailing through XXXX. It is now XXXX/XXXX/16 as I write this and still have yet to receive my card. This leaves me furious because I put in the last of my money ( {$99.00} ) thinking I could get help as well as build my credit however it is now 36 days later, I am out of {$99.00} and still have absolutely no idea where my credit card is and as it sounds, BoA does not know where my card is either.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address issues concerning inaccurate personal information and unauthorized fraudulent inquiries on my credit record. The items in question do not relate to me, and I request the immediate removal of this fraudulent information.
Product: Student loan

-Good day. I am writing in regards to a 90 day late report that was placed on a cosigners credit report. I have a private loan that is enrolled within a payment program. In XXXX of 2015 I called Navient asking if I could call in my payment two weeks later due to financial issues. The operator that I talked to stated that I could. Nevertheless, my payment showed up late and due to me being in the special program, XXXX late payment backed me up three months ( being enrolled in the program allowed my account to be current, however missing a payment resulted in this 90 day late report, and I am unclear as to why ). My cosigner also got this placed on her report. I am writing because I feel as though this should be removed, specifically from my cosigner who will be needing to apply for a loan soon. I do not want this to mess up her credit, especially since I was given misinformation from the employee at Navient.
Product: Debt collection

My complaint is about XXXX XXXX XXXX XXXX XXXX XXXX ( a collection agency ). For about 3 years I 've disputed 2 items they are entering into MOST ALL consumer reporting agencies in the U.S. ; namely the 3 major credit reporting agencies and tenant screening consumer reporting  agencies. The 2 items I 've disputed myself and through an attorney are as follows : 1. XXXX
2. XXXX XXXX XXXX. 

The above items are NOT MINE! Even though they are NOT MINE, I 've proffered an " Offer in Compromise '' in order to remove these items from ; a ). the 3 national consumer credit reporting agencies - XXXX XXXX and XXXX, and b ). from all tenant screening consumer reporting agencies. At this juncture, I 've rescinded any offer in compromise as FCO refuses to remove them. I believe this violates my protections under the FCRA, FDCA, and because it is more than 3 years old and outside the statute of limitations for DC denies me fair access to housing in the District of Columbia. I want the 2 above items REMOVED IMMEDIATELY w/WRITTEN CONFIRMATION from ALL consumer reporting agencies in the U.S.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just TODAY pulled credit score directly from EXPERIAN. XXXX. CALLED BANK for refinance TOLD XXXX. Wife even lower THE GREAT SCAM CONTINUES. See prior complaint. Opinion The system set to scam people. Now get even lower score because rejected for loan. How pitiful you all are. Entitled to that opinion by nature of experience and your works or lack thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 15 U.S.C 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. 


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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 15 U.S.C 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

In Accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report A XXXX account has violated my rights. Account : XXXX XXXX XXXX. The credit bureaus stated my account was properly investigated but how is that possible if the account number is inaccurate, the account status is inaccurate, payment status is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and also the date of last payment is inaccurate. This is grounds for removal they also violated my rights under 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. I have attached images of the inaccuracies being reported on my credit report.