23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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

On XXXX XXXX, 2020, Transunion reported to Bank of America that my credit score was XXXX. At that time, Bank of America was considering closing two of my credit card accounts. 

Ultimately, they did decide to close those accounts, and their letter states that they used that XXXX score " in taking the above action. '' However, by all accounts, including their representatives on the phone, my credit score has never been that low, especially on or around that date. 

In fact, from XX/XX/XXXX XXXX, it was at XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from XXXX XXXX XXXX and another from Capital One. I called Capital One to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with. 

I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.
Product: Debt collection

Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. 
XXXXXXXX XXXX XXXXXXXX XXXX DELETE!!! EQ and XXXX have already removed this account from their records. 
Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels XXXX not following all the steps. I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. 
They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report.
Product: Credit reporting or other personal consumer reports

I checked my credit report this XXXX  but there are some accounts reporting as inaccurate. I have no idea why those accounts are inaccurately reported but I do know that I want it removed as soon as possible.
Product: Checking or savings account

I was viewing my statements recently because I was due for a refund from XXXX and wanted to ensure that it hit my account, while checking my statements I noticed something awfully peculiar about the order of my transactions, they werent in the order that I originally placed them! This has caused a significant accounting error for them where it has placed me as seen on Tuesday XX/XX/2023 I have a running balance deficit of $ XXXX and when my check was cashed it only showed that I had XXXX in my running balance when my check was for XXXX, when I woke up that pay morning, that was my balance, when I was done dealing with XXXX and getting robbed by them my balance was close to XXXX bucks. This bank is an atrocity. I have tried telling them they reorganized my transactions but they keep gaslighting me and telling me that I have on auto rounding ( which i do and am fully cognizant of, the fact they dont think i am is so insulting, they are rewriting the events of my life to profit more. ) ( Also Dave isnt a bank, this is about Dave but its also about XXXX XXXX as well, yall are professional cheats. )
Product: Mortgage

Since the latter part of XXXX, I have been making my mortgage payments in two payments on the two days of the month that I get paid, which is considered partial payments. With partial payments the way I pay which is on the XXXX and the end of the month ( XXXX or XXXX ), there is always a late fee. When I make my mortgage payments I incorporate the late fee. For example my mortgage payment is {$3500.00} and the late fee is {$89.00} for a total of {$360000.00} - this grand total includes both mortgage payment and late fee. My partial payments are split in two payment {$1800.00} for one payment and the other is {$1700.00}. which equals {$3600.00}. On some months I have paid {$1800.00} twice which equals $ XXXXwhich is the late fee and an extra {$88.00}. It was easier for me to pay the double {$1800.00} so I have been doing that for months only to find that Mr. Cooper is stating that I owe them {$260.00} in fees ( please see attached ) Also each month it says that I have 3
Product: Credit reporting or other personal consumer reports

Direct finance funded XXXX XXXX XXXX XXXX through XXXX XXXX in XXXX of XXXX and I never received them in the mail as promised. The company closed shortly after and there has been no way to communicate with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Debt collection

There is a collection account on my credit reports for {$24.00} from Trident Asset Management. It states the original creditor in XXXX. I never received any bill from XXXX so I contacted them and was told they didn't show any past debt. Surely I would not have allowed a {$24.00} debt to go to collections. 
Trident Asset Management will not remove this collection from my account even though I do not believe it is mine and XXXX has verified this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Phone Number ( XXXX ) XXXX NOT MY EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Inquires need to be removed and this 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 then records of convictions of crimes which antedates the report by more then 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 am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Debt collection

where and what are all these charges from the same day? looks like fraud and they can charge any ones account anything at anytime? the followinf data was collected from my credit report. The company is Credit Systems of the Fox Valley aka CR SYS FOX. website is http : //www.csfv.net/. No one from this company ever tried to contact me. 

Creditor Name Balance Balance Date Monthly Payment Term XXXX XXXX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018
Product: Credit reporting

Disputed with all XXXX 'credit agencies ' since XXXX! There should be nothing on any of my credit reports except Dept of Education showing as XXXX, closed. It shows on Experian but then they also show XXXX XXXX. THERE IS NO XXXX XXXX! They have exact same thing twice looking like I have XXXX different student loans. In addition, XXXX XXXX crooks have put " late payments '' THERE WAS NEVER ANYTHING DUE ALWAYS IN DEFERMENT UNTIL DEPT. OF EDUC TOOK THEM AND THEY ARE XXXX. They were sent proof XXXX and mo 's and mo 's at huge expense to me over and over, and now Experian has all XXXX ( XXXX XXXX should not be on any of my credit reports! ) ; XXXX XXXX has it all XXXX ; and XXXX has only XXXX XXXX XXXX ( completely wrong! ) this is so stupid to have XXXX do this continuously since XXXX WHEN ALL MY STUDENT LOANS WERE TO DEPT OF EDUC AND BECAME XXXX XXXX XXXX does this on purpose, they are biggest bunch of crooks in U.S. besides banks.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and the credit reporting agencies for continued violations related to the account XXXX - XXXX. I have been disputing the inaccurate and unverifiable information on this account for over XXXX months, yet the errors remain. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues and Violations : Inconsistent Reporting Across Bureaus : The reported balance is {$10000.00} across all bureaus. 
However, the high balance is inconsistently reported : Equifax and XXXX report a high balance of {$0.00}. 
XXXX reports a high balance of {$18000.00}. 
These discrepancies are unacceptable and reflect a failure to maintain accurate and consistent reporting. 

Contradictory Payment Status : The payment history reflects late payments while simultaneously indicating the account is charged off with no further payment obligations. This inconsistency undermines the validity of the reported information. 
Duplicate and Conflicting Comments : Comments state the account was closed due to inactivity and also charged off. How can an account be inactive yet continue to generate derogatory marks? 
Failure to Validate the Debt : Despite repeated disputes for over XXXX months, neither XXXX nor the credit bureaus have provided adequate validation for this debt. Reporting unverifiable information is a direct violation of the FCRA Section 609. 
My Frustration and Damages : I am beyond frustrated with the incompetence and disregard for my rights displayed by XXXX and the credit bureaus. This ongoing issue has caused significant damage to my credit profile, preventing me from accessing fair financial opportunities. The fact that this inaccurate information continues to be reported after XXXX months of disputes is inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items and i want them to be removed from my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft GLOBALLEND Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opend on XXXX with XXXX XXXX which I did not open. 

All inquires made by XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was not made by me ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Seventh Ave is account name Date opened XXXX Acct closed XX/XX/XXXX They have me marked down for two late payments, one XXXX of XXXX and one XX/XX/XXXX. I have been disputing these two late fees from day one. I file complaint after complaint. I call and call. I request documentation showing my credit contract w them and never receive. I want these taken off my account. There is NO DATA showing for most of my payment history but two months Im late. How can they show NO DATA for over 60 % of my credit history but then put me late for two months. Its obvious their record keeping isnt accurate or they would show the other months reporting which they do not show. I want this removed. Please inquires
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 1XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Attended XXXX College Success Program resulting in student loans of about 12k beginning in XXXX. Unable to secure meaningful full time employment, loans were in deferment XXXX balance about 15k with XXXX. This repeated until default after American Student Financial (? ) assumed loans without my knowledge. XXXX ACSI ( Automated Collection Services Inc. ) Contacted me. I immediately arranged payments for {$130.00} a month, {$500.00} down initially, for nine months. They refused to do business other than by phone despite a website and multiple mailing address. They sent screen print copies of my payment and their purchase of my debt for about 25k. They are claiming a new balance over $ 32k despite my payments. Repeated requests for itemized billing has been unsuccessful. Tried to resolve through XXXX, XXXX. Have not received any more return correspondence since XXXX closed case as unsatisfactory status.
Product: Mortgage

I am not sure who Factual Data is. I can assume that they are related to XXXX XXXX but I wasn't sure. I believe that my credit was run twice, possibly by the same group but I am unsure as they happened two days apart. I did apply for a pre-approval from XXXX XXXX  around the same time so it is unclear if my information was sold or if two different companies that are part of the same group ran it twice. Here is a summary of what happened with XXXXXXXX XXXX  : I was looking into getting a mortgage for a manufactured home. I was told that they were planning to run a " soft '' credit report and that it would not affect my credit score. I was looking for a preapproval only at this point. They ran multiple " hard '' credit reports and it dropped my credit score 4 points. I reached out to the agent and he told me that he indicated that they would be pulling the hard report but this was never discussed. I specifically asked because I have worked very hard to bring my credit score up and never would have agreed to a hard check at that point as I know that it will drop your score. When discussing the issue with the agent he simply said that he " told me '' which is untrue.
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form XXXX due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 

Violating the privacy act of 1974!
Product: Money transfer, virtual currency, or money service

Venmo permanently canceled my account for no clear apparent reason. Not having a venom account is affecting my personal business and I received no explanation from the company as to why my account was canceled.
Product: Debt collection

XXXX hospital added charges for services not rendered, was paid by my insurance and now put Me in collections for an amount I do not owe.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the equifax data breach. I want these items deleted from my credit reports immediately. I am attaching prrof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. please help me delete these illegal accounts from my credit report.
Product: Mortgage

I wrote a detailed letters, 2 of which are attached that discuss : Apply for mortgage assistance Changing dates to reply to a final package submitted False and erroneous data on a lien search Mis-stating what was in the mortgage application. 
Not sending me full items on a decision timely Multiple mixed, confusing, and misleading messages on the status of the loan modification from multiple different persons