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

My personal identity information was theft by someone and using it to get a credit card from Bank of America. The Bank of America failed to verify my personal information by using my old name ( 20 year ago ) and issuing the credit card. The person use the credit card and spend over {$15000.00} dollars in six months. The person also paying part of the payment four times during the six months and then disappeared. 

I found out this by receiving very low credit score in XX/XX/XXXX. I filed a policy report regarding my personal identity information theft. I did dispute this with the XXXX  credit union and the Bank of America. The result came out today and my credit score still low because the unpaid {$15000.00} dollars can't be removed from my record. 

I had a house mortgage with Bank of America 20 years ago with the old name but my legal name was changed two years later. I assumed that my personal information was theft from Bank of America and they don't know that my legal name had changed. The person applied the credit card in XX/XX/XXXX with my old name.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agency furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), noconsumer reporting agency may make any consumer reporting containing any of the following items of information : ( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Aperson shall not furnish any information relating to aconsumer anyconsumer reporting agency if the person knows or hasreasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I recently refinance my XXXX XXXX XXXX with another lender. My old lender Flagship Credit Acceptance has refuse to show on my credit report that the car is paid off and the loan clear. They told me it will not show until the first on the next month. I refinance the vehicle around XX/XX/XXXX. My new lender sent them the check for the remaining balance on the car. In most cases XX/XX/XXXX being the next month and my credit report should of reflected that the loan had been paid in full. They said it would not show up until XXXX which is currently showing up as 2 debts on my credit report and causing my score to be negatively affected. They need to adjust my report for the correct pay off debt amount so it will reflect a better rating on my report. This amount should show paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly trying to dispute incorrect information on my credit report from these agencies that are not governed by law via myself as well as a credit company and still have yet to see any results. Please rectify said issue, this is grave danger to my livelihood.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date Reported : XX/XX/year> Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is still being reported as Past due with collections and charged off-closed with all three credit bureaus, when this account is not in collections or charged off. Ive asked the company to supply numbers of time the amount that they are trying to collect if my account is in fact in collections and Im being told that you have received my monthly payments. This company is illegally tagging my account has collections when Ive not received on collections call because the account has had one time auto draft payments since the beginning of the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert that Cis Inc XXXX, NJ XXXX made a hard inquiry on my credit. This is completely unauthorized by me and I have no knowledge of why they would make an inquiry into my credit. 

I can be reached at XXXX XXXX XXXX
Product: Mortgage

I have been in this situation for a year, it started with local flooding that put me out of work for months. I had just entered a full time position at my workplace that put me in a position of getting caught up and covid happened. I did not expect to be out of work for 7 months. In XX/XX/XXXX I spoke with a person from my mortgage company and she did not offer me any options other than pay my mortgage current. I keep getting letters of acceleration and charged interest during covid. I then got a new job and was injured. I have been out of work since XX/XX/XXXX. I saw a tv excerpt about know your rights and went on there and found out that I should have been given options a year ago. I was defeated seeing this. My mortgage company charges me interest and other fees for property assessment. My mortgage company calls me endlessly and at all hours and days. I did file for a covid hardship forbearance and I am still waiting to hear from them. I am upset that they could have helped me a long time ago and did not offer anything other than shaming me or blaming me. I just want to get this back on track again. Had covid not taken my job I would not even be to the point I am at again. I would have been caught back up and stayed on track.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

i contact upgrade today XX/XX/XXXX XXXX about the amount of a discrepancy on my account. ive been paying my balance every month since i open the account. ( XXXX ). ive made 8 payments, XX/XX/XXXX {$540.00} {$350.00} Principal {$190.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$370.00} Principal {$170.00} Interest on XX/XX/XXXX i wanted to make an extra payment to bring down the balance quicker and pay my loan off at in a short amount of time. but to do so you have to call it in which i did. after, the next payment which should have been automatically removed from my account on XX/XX/XXXX wasn't. so i called in to have the auto payment removed and paid. it was done. ( XXXX XXXX XXXX ) the next auto payment was supposed to be taken on XX/XX/XXXX it was not so i called it in again to have it fix and paid. ( XX/XX/XXXX XXXX ) and notice the interest was not being taking out and that there must be a problem i don't want to be penalized in the future for the mistakes upgrade are making, and was told on the phone it was ok the balance for the months are satisfied and i would not be penalized and would bring this to the attentions of management. mind the fact that the two payments i made after XX/XX/XXXX don't show up on there site but it was removed from my account and calculated in the balance. so the balance now is XXXX so the auto payment was not taken out of the account again. and i call XX/XX/XXXX to have the payment taken again. ( XXXX XXXX {$61.00} Principal {$480.00} Interest ). so when i called about the problem that almost all of my money was taken in interest and only XXXX was taken to principal. there is no way the interest should be that high. what there trying to do is basically charge me back all the money they miss because of their plenty of mistakes. interest is calculate daily for 30 days which a payment every month would reset that for the next 30 days. i did the math and there trying to changer back almost 3 months to cover their mistakes. after telling me i wont have to pay for that the first time. i i knew better i would have never made the extra payment or better yet take the loan from this company. and when i called to settle this matter one Representative told me one deal where she could get it down to XXXX " give or take '' and the supervisor tells me theirs nothing she could do so who do you believe because obviously their trying to cover for there entire groups mistakes. i even had to contact XXXX XXXX because they were reporting the wrong balance and they don't show the amount i paid for the two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experien, XXXX, and XXXX XXXX, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau Re : XXXX XXXX XXXX XXXX To Whom It May Concern, I am responding to your help with my XXXX XXXX account overcharged while being covered. Since XXXX I have been a member of XXXX XXXX. During XX/XX/XXXX, I was scheduled for a medical checkup and dental appointment with XXXX  XXXX, which did only XXXX of my mouth. XXXX XXXXXXXX gave me the actual cost for treatment. 

At this time, I called several companies for supplement dental coverage to cover the excess dental treatment I received from XXXX XXXX. I signed up with XXXX supplement plan. I was not aware XXXX cancelled my full plan with XXXX XXXX. I called XXXX customer service and told them I received a bill while still covered for medical treatment. 

XXXX XXXX customer service advised me I was still covered, which was an error on their part, and they will take care of the bill, which was not my fault. Currently, I am still receiving a {$1300.00} bill and harassment from XXXX XXXX. 
On XX/XX/XXXX, Jefferson Capital System, a collection agency representing XXXX XXXX for XXXX XXXX reported this medical bill to all the bureaus for {$97.00}, which affected my credit with a minus XXXX points. According to a bill passed by United States Congress, companies is not allowed to report medical bills for the consumers. I want this matter resolved and my credit scores restored ASAP. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter asking them to remove the inquiries from my credit report.
Product: Checking or savings account

They refused to give me my money back they made me pay it back and I did not do that my account was compromised and the fraudster withdrawal money on me from a bogus account from another member this happened on XX/XX/20 2 transactions {$1.00} and the other one for {$480.00} and I do not know this person
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I was not saying they were reporting right or wrong. I am just saying that I am not 100 percent sure if they were. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to them. 
They did an investigation and claimed that the accounts were accurate. I did an investigation of my own and found that there are still improper accuracies even after they did their investigation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Reporting act these Convergent Accounts, 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, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report. 

The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please fix the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

DataX Ltd . 
XXXX XXXX XXXX XXXX, MO XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear DataX Ltd., IXX/XX/XXXX this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XX/XX/XXXX, FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

i Have a XXXX son who is XXXX and he qualified for SSD / SSDI payments from the state of Arizona. When i spoke to the department they explained i didn't need a dedicated account and there was a check mailed to my home to take it to the bank and deposit it into my account XXXX so i did when i went to the bank i got met by the bank manager XXXX who took the check out of my hand and walked me to her office and explained i needed to open a dedicted account for my son so while do so we added the fund to the account. XX/XX/year> i got a call saying my accout would be put on hold due to names not maching when i am legally still married and have both names. I feel very discriminated agenst and or belittled and i would like my account to be re open due to the check coming from the correct place i am about to say forget chase and all your issues and just change banks and relive the issues
Product: Credit reporting or other personal consumer reports

XXXX resources was paid off XXXX/XXXX/25 Ive asked for this to be updated but still shows as a debt. Ive tried countless times to dispute and no luck I want this corrected immediately as they are displaying inaccurate false information. I have proof it was paid Ive tried correcting so much with them but they act like youre lying but Im not they are just a very badly ran company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am I correct that I am required to pay for a freeze on my credit for XXXX and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for ( XXXX ) as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this Equifax hack situation. Equifax should foot the bill for these credit freezes that put at least 143 million ( most likely many more ) identities at risk for theft. At {$3.00} per freeze, these agencies stand to make XXXX XXXX XXXX of dollars as a result of this.