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

I am writing to file a complaint regarding inaccurate information being reported on my credit report by XXXX, Equifax and XXXX. I have disputed this information multiple times with the credit reporting agencies, but despite my efforts, the issue has not been resolved. Additionally, I have contacted the company directly requesting verification of the debt, but they have failed to provide the requested documentation or correct the information. 

Here are the details : Disputed Information : The inaccurate information involves an account with XXXX XXXX ; an incorrect balance, wrong account status, incorrect dates of activity. 
Actions Taken : I disputed the information with the three credit reporting agencies on XXXX, XXXX and XXXX, but the agencies have not resolved the issue. I also contacted XXXX XXXX directly to request verification of the debt, including account statements, proof of debt and the original contract, but I have not received all documentation or a satisfactory response. 
Request for Documentation : I specifically asked XXXX, Equifax and XXXX for proof of the debt and supporting documentation, but they have failed to provide any such information. Despite this, the inaccurate information remains on my credit report. 
I am requesting that the Consumer Financial Protection Bureau assist in resolving this issue, as the credit reporting agencies and the company reporting the debt have failed to properly investigate or substantiate the inaccurate information. I believe this is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

There is a collection agency by the name of XXXX XXXX reporting an alleged debt of {$200.00}. The original debt was with XXXX XXXX for $ XXXX which I have attached to this complaint. I am confused as to why this collection agency is claiming a debt that I don't owe them. XXXX has since removed this account. I am requesting that Transunion and XXXX follow suit and remove the following account from my credit report for violation of the FCRA and FDCPA. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please note that this company and its subsidiaries was already involved in a lawsuit vs CFPB for violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. If this account is not removed after viewing the evidence of the incorrect loan balance, I will find it necessary to seek litigation against XXXX and Transunion.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any co
nsumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with Equifax with getting this account removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I reported this information on XX/XX/XXXX and was told that my documentation was mailed out on XX/XX/XXXX and I have yet to received that information yet as of XX/XX/XXXX. I have contacted the bureau and the original creditor several times in regards to this situation with no response and I do not want to be held accountable for something that isn't mines. I have sent a method of verification on XX/XX/XXXX with no response to Equifax. I just want the account to be removed and from under my name and my credit report.
Product: Checking or savings account

On XX/XX/2022, I opened a new checking account with Citibank because of a promotion incentive they offered for having a specific balance for a certain amount of time and you will receive a cash bonus. When I transferred funds from my husbands checking account ( in which we both are on the account ) into my new Citibank account with the amount of {$59000.00} they froze my account. I happened to find this out because after 2 weeks passed, I never received my debit card in the mail. I called Citi and first they hung up the phone on me. I call back and finally, someone didn't hang up on me and decided to try and help me out. When asked to send me a new debit card, they mentioned it was going to the wrong address? Then over 25 minutes after trying to figure out how they had the wrong address, the gentlemen says he cant submit for a new card because the account has been blocked. He then transfers me to the fraud department. They hang up. I call back, and they tell me nothing and that I will receive a letter in the mail explaining why they have blocked my account. In the meantime, I have been unable to use my account, transfer funds, access funds, still no debit card and of course no letter. Not sure what else can be done? I have money that needs to be accessed for family xmas and Citibank does not accept customer service concerns nor do they provide reasoning of these actions? If they could provide me with guidance as to what they need in order to unblock my account that would be great. Or, just unblock my account so that I can access MY OWN MONEY!
Product: Debt collection

Upon carefully reviewing my latest credit report, I identified multiple fraudulent accounts that were added without my consent.
Product: Credit reporting or other personal consumer reports

Inquiries attached on my credit report are not mine and I want to file a dispute regarding on this hard inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported in duplicate. It is a violation of the Fair Credit Reporting Act to report the same account twice. The FCRA mandates a credit report must reflect accurate information. This false reporting of repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

There is a " purchase adjustment '' on my account for {$170.00} that I wasn't notified about by Capital One. It's charged to my account as of XX/XX/2020. It appears to be attached to a return to sharper image when Shaper Images website and phone weren't working. 

Capital One told me to NOT WORRY about sending the product back if the company wasn't responding. 

Sharper Image eventually sent me a coupon and admission for their error. Why did Capital One recharge me after their representative told me I didn't have to worry about sending the item back? 

And why didn't Capital One contact me if Capital One changed its mind
Product: Credit reporting or other personal consumer reports

SYNC/TJX CO will not remove me as an authorized user. I was placed on this account as an authorized user to rebuild credit. My mother has called twice for removal and this account is still on my report.
Product: Checking or savings account

On XX/XX/XXXX, I deposit an {$18000.00} check at Chase Bank that was a draw on a line of credit from another lender. I was told a hold would be put on the check until XX/XX/XXXX, which I questioned but was not given a satisfactory answer as to why the hold would be so long. On XX/XX/XXXX, the lender posted the advance to my account, signifying that the money had been transferred to Chase. I provided that record to the banker, but they still insisted that the hold could not be lifted. 

Not only am I being charged daily interest for each day that Chase is holding my money, I know they are earning interest on those funds. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Mortgage

I had been approved by Welles Fargo bank mortgage company through the Builder last year to be placed on the list to purchase a home. I did sign contract with the builder on XXXX, 2015. Welles Fargo did recheck my credit report. I did lock my rate ( XXXX for 30 years based on my credit score of XXXX ) with Welles Fargo on XX/XX/XXXX for a move in date on XX/XX/XXXX. I did also provide my Credit card For appraisal which was done. Suddenly Welles Fargo did change their mind and do n't wants to fund the loan based on what they claim a negative point on my credit dated back to XXXX by doing so I lost my good rate since interest rate has been on the rise and I am on the risk to not purchase the home.I contacted other lender who are welling to loan the home but the rate has raised since Welles Fargo changed their decision on the last minutes
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$700.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the many time I have contacted you regarding this issue, and I am deeply concerned about the negative impact it is having on my financial standing. 

Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, opened checking account that was to include checks and debit card. I have twice called the customer service to inform that I have not revived the debit card and even visited a local branch to advise of same. I am unable to set up and access my online banking without the debit card as this is one of the requirements that needs to be entered when setting up the online banking. The local branch claims that since the account was opened online, that they are unable to provide me with a debit card and/or PIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with GM Financial was transfered to a third party to be settled. The settlement was paid off at the beginning of XXXX but the company is not reporting to my credit only GM Financial. We are in the process of buying a house and the credit bureau is asking for a letter from GM Financial stating that the account was transferred to XXXX XXXX which is the settlement company. Ive spoken to 4 different people at GM and all of them told me they can not give me that letter because they do not have a template set up for something like that. One of those 4 people even hung up on me when I was trying to get information. We are trying to get this done before my realtor has to run my credit again for the third time and dropping it more than it has already.
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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Debt collection

Received a message from my sister and my ex husband all within 5 minutes of each other this morning stating they received a voicemail asking about my whereabouts and to have me contact the referenced number. Voicemail stated I should not drive, leave my house and if I do I will be pulled over as they are suspending my drivers liscense ( threats ). Basically, insinuating I 'll be arrested. Caller did n't state who they were said I 'm being investigated for " Hot Checks ''. I have n't written a check in many years. They never called me just phishing for info from family and former family members-anyone who I have contact with.
Product: Credit reporting or other personal consumer reports

My vehicle was parked legally and struck head on by a vehicle on XX/XX/2022. I was not found to be at fault for the accident ( and was not even in the parked vehicle ). I have documentation to support my claim. XXXX Lexis Nexis is reporting the accident as AT FAULT on their report that is used by auto insurance companies and is severely affecting my premiums. I have a clean driving record and no at fault accidents. 
LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Mortgage

Since XX/XX/year>, I have been calling and trying to facilitate release of my property taxes payment from my escrow account. The mortgage company ( PHH mortgage ) has refused to pay the amount owed. XXXX XXXX has now issued a lien on my residence. The original amount owed was {$2800.00} and I have incurred fees, penalties and interest on the amount owed. I initially offered resolutions that I would pay the amount myself and they could reimburse me, void my mortgage payments and allow them to credit the account with the escrow balance or they can send me a check in the amount, and I can physically make the payment in person. All these efforts were declined. I have been patient but Im unable to rest and having XXXX XXXX from worrying that I may lose my home. My mortgage has been up to date and current. I am unable to seek to someone at cooperate. Level. Representatives are not English speaking and they do not understand the American homeowner process. XXXX  months has gone by, and I continue to get the run around. 


Reimbursement for all additional penalties, interest, and fees. Credit to the mortgage account equal to XXXX  months payment, voluntary transfer of the account to another reputable mortgage company.
Product: Credit reporting or other personal consumer reports

They violated the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of disputes furthermore experians, actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure XXXX 's compliance with federal law and provides consumers with necessary proof of investigation