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

on. for 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 XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX 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. 

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 any reasons.
Product: Debt collection

I had a two year service agreement with XXXX for cable, internet and phone which ended XX/XX/XXXX. After disputing my final bill for {$130.00} with XXXX, my bill was sent to collection XX/XX/XXXX. It has been sold to various collection agencies through the years and is now with SW Credit Systems. SW has been re-aging the account every six months and currently shows on my credit report as of XX/XX/XXXX, which per the FCRA is an illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters with no results or information regarding these disputed accounts The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on... 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Mortgage

The original borrower is deceased and the company is not releasing any information to the heirs to finalize the process. 
The heirs completed are interested in keeping the property but the services on the account XXXX would not release any information regarding the mortgage.
Product: Credit card or prepaid card

Comenitys website has been done for 10 days. Said it was a maintenance issue. Phone number isnt working. I cant check for accuracy on charges. Suggests using easy pay but that link doesnt work either. I have XXXX XXXX XXXX accounts
Product: Vehicle loan or lease

XXXX XXXX, me and Captial One Auto Loan coming up with a settlement on my auto loan that I volunteered to turn in my XXXX XXXX XXXX XXXX in XX/XX/XXXX, due to me suffering a XXXX XXXX on XXXX and on XX/XX/XXXX I suffered a major widow maker XXXX XXXX which my XXXX was closed 100 % then I suffered another XXXX XXXX on XXXX XXXX. Captial one refused to help me so I volunteered turn my truck in. 
XXXX XXXX I tried logging in to pay my monthly settlement amount but when I tried updating my new phone number I denied access, then this morning on XX/XX/XXXX I called Captial one to try to gain access to account and I was denied again and kept being transferred to different people and they all said I was denied because my phone number was not in my name and I advised my phone number is registered to the co-signer on the loan and its been like that since XXXX and every since I had dealings with Captial one and I advised them I will not be giving my bank account information to nobody especially if I cant see where my money was going.. When the co-signer got off work I had her to Captial one to help me gain access to my account so I can pay my monthly settlement amount we was on the nearly two hours, and while the co-signer was on the phone with themI signed into my Captial one app, I was allowed to change my phone number and update my bank information, CAPTIAL ONE ENDED UP VIOLATING MY CONSUMERS RIGHT AND THE XXXX AND BRENCHED MY PERSONAL ACCOUNT INFORMATION BY APPLYING ALL MY BANK ACCOUNT INFORMATION TO THE CO-SIGNER ACCOUNTS WITH CAPTIAL ONE AND GIVE ACCESS TO PAY HER BILLS WITH CAPTIAL ONE WITH MY XXXX XXXX XXXX XXXX ACCOUNTI HAVE PROOF OF THIS AND THESE ARE THE NUMBERS I CALLED FROM XXXX XXXX XXXX and XXXX XXXX XXXX.THIS IS Retaliation from me filing against them in XXXX of XXXXALSO WE WAS TRANSFERRED TO THE FRAUD DEPARTMENT OF XXXX XXXX TODAY
Product: Credit reporting, credit repair services, or other personal consumer reports

if you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Credit card or prepaid card

I made a reservation for a hotel room in XX/XX/2021 on XXXX. Once I got to the hotel room, I realized the room was completely different from the images the merchant posted on XXXX There was stains all over the sheets, walls, and towels. There was grease on the furniture and the room had clearly not been cleaned. I went to the front desk and I addressed the issue, I was given another room that was equally dirty. I went to the front desk to ask for a refund and leave. The front desk person insulted me and told me to leave even though I hadn't gotten a refund. I called XXXX from the lobby, while I was on the phone with them, they tried to reach out to the hotel several times but the front desk person knowing that they would call decided not to answer. XXXX opened an investigation and I asked Bank of America to get my money back. Bank of America asked me at several occasions to submit via fax ( the only way you can submit documents ) images from the stains in the room, along with receipts of the hotel I ended up spending the night at and the phone records showing I contacted XXXX After receiving my documents, they closed the claim in favor of the merchant because the merchant claimed I spent the night there which is not true, I gave Bank of America proof that I did not stay there. I have been going back and forth with Bank of America who is giving me the run around at this point. I have tried to call XXXX  days this week and they keep giving me different phone numbers for different departments to call but they are not closing the case.
Product: Credit reporting

Inquires were removed and re added without notice or reasoning List all inquiry names and dates
Product: Vehicle loan or lease

On XX/XX/XXXX, after making a payment to Santander Consumer USA, I was showing a past-due amount. I was immediately suspicious because not only have I never missed a payment, my payments have never been late, and I frequently make extra payments throughout the year. I used their email to send a message and never received a response. I waited until XX/XX/XXXX and sent another email ; both times I only received an automated message acknowledging that my message was received and that someone would contact me ; however, no one ever did. I called the customer service number on XXXX different occasions. The first representative confirmed that there was no late payment due and apologized. This prompted me to ask for a supervisor to request and audit. When the manager got on the phone, there was a language barrier. I was unable to understand him, and he seemed not to be able to understand me, and finally he hung up. I waited XXXX more days to call back ; this representative informed me that I had a past-due balance. I asked to speak to the manager again and requested that my account be audited. I have not seen any updates to my account, and no one has notified me. On XX/XX/year>, I also mailed a certified letter to the company with printouts of my request, described my dilemma, and again asked that my account be audited. No one will respond.
Product: Checking or savings account

My Synchrony Bank savings account has been restricted by the bank for one month. I have called multiple times and the bank has not helped me with the problem. It keeps saying the bank is reviewing my account. I don't think there is anything wrong with my account at all. Please help me to tell the bank to solve my account problem as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

OLD ADDRESS AND DIFFERENT IMFORMATION ON MY REPORT
Product: Credit reporting or other personal consumer reports

XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXXXXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  {$1500.00}, XXXX XXXX  XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted XXXX fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

Last month, I mailed some disputes to Trans Union and recently received a stall letter stating they didnt reinvestigate because they assumed somebody else sent them. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have called and we settled with a XXXX settlement offer as a pay to delete with a first payment of XXXX and the last payment XXXX XXXX has made payment but they are still reporting a - negative balance on my credit report
Product: Credit reporting or other personal consumer reports

I have inquiries and a bankruptcy on my credit report that doesn't belong to be I was a victim of Identity theft fraud I made a complaint with my local police department and the FTC report I contacted all XXXX bureaus Transunion, XXXX and XXXX doesn't want to remove the inquiries or Bankruptcy off my credit report here are the inquiries and Bankruptcy of my credit report XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX InXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Government XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent dispute, the results came back verified. What was your method of verification? 


1. I cant imagine what legal precedence you have that would allow you to report [ XXXX # XXXX US BKPT CT XXXX XXXX ]. I called the court and was literally told that they dont verify, validate, furnish, produce, etc., any public record info with you guys. Technically, theyre the original creditors you need firsthand knowledge! 

Delete it and send me a new report. 

2. Can you please explain to me why they are reporting that I have a balance. From what I understand, they write off a portion on their taxes and get paid by their insurance, so why would I pay this too? So they get double paid? 
[ XXXX XXXX Acct no. XXXX ] [ XXXX Acct no. XXXX ] Delete this immediately. 

3. Arent you supposed to have copies of my signed documents in a file there? Well considering that I dont know [ XXXX XXXX acct # XXXX. I need you to send it to me.
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 : CREDIT COLLECTION SERVIC Account # : XXXX Balance : {$160.00} 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 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. Remove these accounts within 4 days of receiving this
Product: Vehicle loan or lease

This account has conflicting reporting on my XXXX and XXXX report. It list XXXX delinquency XX/XX/XXXX and the account was close. It also list a delinquency XX/XX/XXXX, which would have been before. I also have a letter of Wells Fargo admitting over charges due to their inaccuracies. Please remove this account from my credit profile
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. 

XXXX : # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account. XXXX ( XXXX XXXX XXXX ) Account Number : [ XXXX ] Date of Fraudulent Activity : XX/XX/XXXX UNAUTHORIZED INQUIRES XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, 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

On XX/XX/year>, I received the results of a dispute I filed with Equifax under Confirmation # XXXX. My dispute requested that Equifax update the payment history on several open accounts that I have always paid on time, as they were missing payment history on my credit report. Instead of correcting the missing data as requested, Equifax deleted these accounts entirely from my credit file, which was done in error. 

The Equifax dispute results, which I am submitting as supporting evidence, specifically show that the following accounts were wrongfully deleted instead of updated : XXXXXXXX XXXX XXXX XXXX XXXX  ( Account # ending in XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # ending in XXXX ) XXXX XXXX ( Account # ending in XXXX ) XXXX XXXX ( Account # ending in XXXX ) These accounts were in good standing and were an essential part of my credit history. I did not request these accounts to be removed, nor was I informed that deletion was a possible outcome of my dispute. 

Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ) in multiple ways : FCRA 611 ( a ) Equifax is required to conduct a reasonable reinvestigation of disputed information and ensure the accuracy of my credit file. Instead of correcting the accounts as requested, they took the extreme and unnecessary step of removing them entirely.

FCRA 607 ( b ) Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. Deleting positive, accurate accounts instead of making a minor update is not a reasonable procedure. 
FCRA 623 ( a ) ( 2 ) Information providers must promptly correct and update information when they become aware of inaccuracies. If the furnishers of these accounts did not request their removal, Equifax must reinstate them.

I have attached a copy of Equifaxs dispute results ( pages 3-4 ), which confirm that these accounts were deleted in error.
Product: Credit reporting or other personal consumer reports

i have sent in numerous letters asking for these items to be removed off my credit report due to reporting violations FCRA VIOLATIONS FDCPA VIOLATIONS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Erroneous billing XXXX should have been covered by my insurance plan I have disputed the erroneous XXXX XXXX XXXX XXXX bill several times on my own, most recently with assistance of an attorney I have hired in 2024. My attorney wrote a letter to XXXX XXXX XXXX in XX/XX/2024. No response within 60 days. 
CMRE continues to contact me, I have reached out to them twice to dispute the bill. CMRE and XXXX XXXX XXXX continue to ignore my efforts and my attorneys efforts to resolve the erroneous bill
Product: Debt collection

I received two letters from Midland Credit Management regarding credit card accounts that were closed and charged off in late XXXX. The letters state the debt was charged off in XXXX of XXXX, and state the amounts as {$730.00} and {$850.00}. 

Moreover, they are threatening to proceed to litigation if payment is not made by XX/XX/XXXX. These debts have not been validated.
Product: Debt collection

Upon reviewing my credit report, I noticed that the listed accounts contain inaccuracies and appear to be fraudulent.
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 reporting agency can not furnish a account without my written instructions The life at XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a complaint to the CFPB regarding a payment that I made that was never acknowledged by the creditor. The complaint number is XXXX, a copy of this complaint will be included for your review. On XX/XX/XXXX, I received an email from the CFPD stating the the company has responded, and is working on the issue, an attachment will be provided for your review. I received a letter from Macy 's dated XX/XX/XXXX, which stated that they found /received my payment of {$430.00}, which was credited to my account on XX/XX/XXXX according to the letter, which will be provided for your review. Macy 's also stated that I now have a balance of {$19.00}, which is incorrect, because I provided the statement which showed that {$430.00} was my original balance, and that is what I paid on XX/XX/XXXX in the store located at XXXX XXXX XXXX, XXXX, TN XXXX. Thus, the balance would be {$0.00}. I will provide a copy of the statement for your review. The difference from the statement that I am providing and the balance is {$10.00}, which was added as interest for non-payment, so again, the balance should be XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you verify as accurate. 

XXXX XXXX