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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the creditor - XX/XX/XXXX Account : XXXX - XXXXXX/XX/XXXXAccount : XXXX - XX/XX/XXXX Account : XXXX - XXXX FIN Account : XXXX - RBI ALLIANCE Account : XX/XX/XXXX Account : XXXX - XX/XX/XXXX Account : XXXX has violated my rights with respect to reporting part of an installment loan payment. 

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I did a dispute with Equifax with a Account that was CHarged off with XXXX XXXX XXXX and the Collection company and provided documentation that the account was paid. Equifax updated the information for XXXX XXXX XXXX and did not fix up the collection account as paid which documentation was posted on my dispute.
Product: Credit card

My credit limit on the Comenity and Victoria Secret is visible on their website. A few months ago I requested an increase. This increase request has been sitting as pending ever since, and I have gotten no response about it, which I believe is illegal. 
I called comenity today to inquire about the increase and ask for a replacement card, and was told by customer support my account was closed awhile back. However, my account is not closed, it shows as active on the Comenity/VS website account, and the account reports monthly as available credit on my credit report. I have not received any notifications of my card closing. 

Either comenity is lying to me and refusing me access to my credit, or they are lying to the credit bureaus. Both should be considered fraud.
Product: Credit reporting or other personal consumer reports

My student loans were recently discharged. However, my credit report has not been updated accordingly and making it difficult to obtain credit.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XXXXPlease investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

I was called frequently and when trying to get clarification on the issue, I was verbally abused and told to provide information in places that were not safe. When I tried to tell them would review when I got home I was yelled at and told to provide my credit to them over the phone even though they knew I was in a public place.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XX/XX/XXXXAccount # : XXXX XXXX Account # : XXXX XX/XX/XXXX Account # : XXXXXX/XX/XXXXAccount # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I was not made aware about my ability to dispute this charge from Exeter Finance. Account # XXXX
Product: Checking or savings account

On XX/XX/2023, my bank, BMO, began a transfer of its newly acquired bank, Bank of the West. During that time, as stated on their website, " Debit cards will continue to work for merchant purchases and ATM cash withdrawals, but not for balances and other account information throughout the weekend. " ; therefore, access to money in accounts was available, but customers would have no access to view their accounts online or on the app during that time. The dates of the process would be XXXX XXXX with regular service resuming XX/XX/XXXX. On XX/XX/XXXX, I began receiving cell phone notifications from BMO that my automatic monthly charge to my cellular provider was declined. I received this alert several times every day during the four days mentioned. I then began receiving additional notifications from other merchants I had set up autopay with using my BMO checking account. One merchant, XXXX, reverted to a previously saved card that I did not want to use ; the process for changing it back required several steps and much of my valuable time. Fearing something had happened with my BMO account, I stopped using the debit card, and tried to contact the company. Because of this massive transfer BMO was engaged in, all attempts to speak with a representative resulted in exhaustive wait times on the phone and finally giving up. On Tuesday, XXXX XXXX, when BMO assured its customers that service would return to normal, I was able to view my account online and see there was ample money available ; I assumed the declined payments were a product of BMO 's transfer. That same day, I attempted to use my card with a merchant with whom I was dining, and it was declined. I called BMO again and this time I was able to reach an operator. The operator informed me that on XXXX XXXX, I attempted a purchase that appeared to be fraudulent. ( The purchase was to a music service for {$14.00} ; I had previously used this very same service just over a week prior, on XX/XX/XXXX for {$28.00}, with no red flags raised by BMO. ) In addition to this not previously causing red flags, BMO made no attempt to contact me on the date of the charge, despite my having all alerts set on my cell phone, and BMO sending me repeated alerts about all of my declined auto-payments for four straight days. Finally, the " fraudulent '' charge showed that it had cleared on XX/XX/XXXX, despite BMO never receiving my permission to accept it or confirming the charge in question was fraudulent.
Product: Credit reporting or other personal consumer reports

This company TD XXXX XXXX has reported incorrect information on my credit profile ( XXXX ) and I've asked for this information to be removed at once I've never had an account with TD XXXX XXXX or never given anyone permission to have an account in my name. 
Ive been a victim of identity theft please see the following documents.
Product: Debt collection

XXXX was the amount and this account is not mine and was open with identity fraud I sent over a police report and lease and they still Put this on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account on the date of XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX '', has violated my rights by violating my right to privacy, Furnishing said account without my written instructions, and reporting inaccurate reports and details regarding the account. Down below I will cite my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy, Said right was violated by " XXXX XXXX - XXXX '' by reporting and releasing my personal info and details to consumer agencies and the public providing access to information of said account simply by request. 

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, Said right was violated by " XXXX XXXX - XXXX '' furnishing and reporting said account without my given written instruction nor direct detailed agreement. 

15 U.S.C. 1681 Section 602 A ( 1 ). States The banking system is dependent upon Fair and ACCURATE credit reporting, Said right was violated by " XXXX XXXX - XXXX '' not truthfully reporting full and accurate details regarding the account, Payments Made, Payments missed, and the accurate remaining balance on the account.
Product: Debt collection

I've received numerous letters from this debt collection service, with conflicting messages. Based on a phone conversation I had with them and instructions they sent in their follow-up, they requested : 1. I send a formal note disputing the debt. I did this. 
2. Get a notarized affidavit that I was a victim of ID theft during the period the debt was incurred. I did this. 
3. Provide a police report. I did this. 

They closed 2 of the 4 collection accounts, but for the remaining 2 responded that the documents I provided were either not complete or not legible. What kind of XXXX XXXX is this? How was it complete and legible to resolve 2 accounts, but not for the remaining 2. 

Here are the accounts in question : XXXX XXXX : Account : XXXX XXXX Ref No : XXXX XXXX XXXX XXXX XXXX : Account : XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX Ref No : XXXX XXXX XXXX I'm still receiving mail from this organization to pay for the debt that I've already disputed and provided more than sufficient proof that it is not mine. They even have my name misspelled in all of the communication, because the account was fraudulently created. I've emailed them numerous times and called them numerous times and I keep getting the same inconsistent response. I'm requesting CFPB to help me in fighting this predatory collection agency. 

Please let me know what other info I can provide to aid in your investigation. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

This company is trying to collect a debt I do not owe to them they also have damaged my credit which is illegal I did not claim I owed this debt nor have I ever had business with this company and under the fair credit act anything I did not consent to being reported to my credit my be deleted immediately and is also illegal
Product: Credit reporting or other personal consumer reports

I am writing this letter to officially dispute information that is inaccurate on my credit report. Based on the following FCRA violations. 

Failure to Provide Investigation Results ( 1681i ( a ) ( 6 ) ) ; Failure to Conduct Reasonable Investigation ( 1681s-2 ( b ) ) ; Reporting Inaccurate Information ( 1681s-2 ( b ) Failure to Properly Handle Direct Disputes ( 1681s-2 ( a ) ( 8 ) ) Your company has failed to provide physical verification of the following accounts and has yet to delete these accounts from my credit profile. I have requested written, wet signature signed pages of the agreement between myself and the creditor however I have received none, yet the account continues to remain on my credit report and investigation comes back accurate and verified. These accounts never seem to change in status or remarks but somehow are verified which I find to be inaccurate, false and all around fraudulent. 

XXXX XXXX No Account Number Listed {$13000.00} ( diff amount on XXXX report ) XXXX XXXX No-Account Number Listed {$6400.00} ( charged off ) Money Lion Account Listed 3 times {$0.00} ( unknown status ) Possible Finance Account Listed XXXX times {$400.00} ( unknown status XXXX total account reporting ) People Fund NO Account Number listed These accounts are very damaging to my reputation and my financial stability and needs to be deleted immediately. This is my third written notice about these accounts. If the proper action is not taken, I will be forced to take legal action for punitive damages. 

I have already submitted documents to verify my identity on several occasions previously. Please dont not request these documents again or I will assume that is just an attempt to delay doing the necessary thing to correct these inaccuracies. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX Balance : {$770.00} ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account AND inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My minimum payment for my Fortiva Retail Credit Card is {$63.00} a month. However every time I go to pay my bill my monthly statement is saying my minimum payment is {$110.00} a month. After filing two complaints against Fortiva with the CFPB my minimum monthly payment was reduced to {$63.00}. I was told this back in XX/XX/XXXX by XXXX XXXX a representative from Fortiva Corporate Office.My minimum monthly payment was reduced because I can not/could not pay the prior minimum payment of {$120.00} a month for my furniture purchase from XXXX 's XXXX XXXX which I purchased in XX/XX/XXXX. I was duped into opening a Fortiva Retail Credit Card account by a Sales Representative in XXXXXXXX XXXX XXXX XXXX.Since my minimum payment was reduced in XX/XX/XXXX every time I go to pay my monthly minimum payment to Fortiva my statement is saying a {$110.00} is due. This is not correct my monthly minimum payment is {$63.00} a month.
Product: Credit card

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appears on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account ///opened at XXXX on XX/XX/XXXX, under account number XXXX, XXXX XXXX  on XX/XX/XXXX, under account number XXXX, XXXX XXXX  on XX/XX/XXXX, under account number XXXXXXXX XXXX XXXX  on XX/XX/XXXX, under account number XXXX, XXXX XXXX on XX/XX/XXXX, under account number XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, under account number XXXXXXXX XXXX XXXXXXXX on XXXX XXXX, XXXX, under account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, under account XXXX, JP Morgan on XX/XX/XXXX, under account XXXXXXXX XXXX on XX/XX/XXXX, under account number XXXX Reference Number FTC Report : XXXX, XXXX
Product: Checking or savings account

In XXXX of 2017, Bank of America closed our account after we had been a customer with them for 30+ years. They advised us that they were no longer interested in having us as a customer. 

Today, in our mail, I received a solicitation telling me that my credit is great and that I have been " preselected '' for a credit card. 

This is very confusing and upsetting. Last summer caused my husband and I financial and emotional hardship having to deal with switching banking institutions and now they are reaching out to me asking me to be a customer? This should not be allowed.
Product: Vehicle loan or lease

1- Without previous notice, the company took of my property.

I made payment on the lender website for the full amount owed. ( XXXX, XXXX ) I called the lender to place him under notice as requested, that payment was completed and processed by their system. ( attached confirmation from lender of payment being received ) Lender informed that vehicle had already being taken and that they wanted the total balance of the loan, disregarding the fact that I was up to date with my payments. 
The lender and his agent have taken my personal property without my consent and without previous notice. Disregarding the fact that my account is up to date, no past due amount is owed and depriving me of my personal property, Lender is acting in violation of my property rights under Art. 16 of the US Constitution.

I immediately demand that my property is being returned to me without further due by the lender as he has no rights over my property. 
I further demand that the lender renounce to charge any expenses being collected as a result of his careless negligence. 

I Attached the following information to this complaint.

Lender information : XXXX XXXX XXXX XXXX telephone number-XXXX website-XXXX account numberXXXX XXXX  Evidence of the Lender 's website with the payment amount and evidence that all debt has been cleared out and next payment date is in the future.

2-Lender 's communication confirmation of payment been received through the lender approved means.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, XXXX XXXX XXXX  claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, XXXX XXXX XXXX informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The XXXX XXXX XXXX affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. 

Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize XXXX XXXX XXXX to share my personal information with any third party based on false pretenses. 

XXXX XXXX XXXX has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report. 

Furthermore, XXXXXXXX XXXX XXXX  violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan. 

Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX, XXXX, and Experian are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the of all hard inquiries.