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

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragr
aph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate,
based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

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 has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I looked at my Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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've disputed inaccurate information on my credit report with XXXX, XXXX, and Experian. I detailed the violations to my consumer report and attached copies of all dispute letters. According to the Fair Credit Reporting Act and U.S. Code 1681e ( b ) and 1681i ( 5 ), these accounts must report accurately.
Product: Payday loan, title loan, or personal loan

there needs to be a investigation on this company for not providing sufficient unfair practices when it comes to making payments apparently XXXX XXXX  payments that they work with makes it very difficult to actually make the payment for the vehicle Im getting interest accrued on a vehicle in late on payments due to them lacking and providing sufficient services to make this payment online I would like to file a complaint and pursue a potential lawsuit as well this company should not even be in business if they can not even provide sufficient ways of paying the bill in the first place so the unjustifiably charging me interest daily on a vehicle that I will never pay off just because they can not provide me a fair way of paying this bill without giving my bank information they also fail to give me the best customer service Santander consumer USA should go out of business Ill be put out of business
Product: Credit reporting or other personal consumer reports

To officially notify Chase Bank XXXX, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX XXXXXXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/13 ; the issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We purchased our current home on in XXXX and never missed a payment. My husband was unlawfully terminated, XX/XX/XXXX. His case ( # XXXX ) with the EEOC is pending resolution. 

Due to this reduction in income I applied for hardship/forbearance in XX/XX/XXXX. Wells Fargo granted 6 months and soon thereafter COVID-19 hit. As with the rest of the world and specifically 'Americans ' we are doing everything we can to protect ourselves, children and global community. This type of recovery doesn't happen immediately. And, the call today with Wells Fargo leads me to believe economics is being touted over ETHICS. 

We are simply requesting an additional 3-6 months forbearance ( as the President mandated ) until XX/XX/XXXX to regain our footing and then refinance to keep our home ( which also serves as my business ).
Product: Credit card

Subject : Fraudulent Transaction Report Rejected Multiple Times by Bank Of America To Whom It May Concern, I am writing to complain that my report of a fraudulent transaction to BOA was rejected three times. I requested the cost be removed, but my request was denied. I seek resolution for this issue The story goes like this. 

On XX/XX/XXXX or XXXX, my credit card went missing, and on XX/XX/XXXX, someone began using it fraudulently. Unfortunately, I was unaware of the loss until XX/XX/XXXX when my bank detected suspicious activity on my account. 
I typically do not use this Bank of America card for regular purchases. It is for XXXX charging and minor expenses via XXXX XXXX, which is why I did not notice the unauthorized charges sooner. Because of this limited use, the fraudulent transactions went undetected for five days. 
After receiving a notification from my bank, I immediately suspended the card. Upon reviewing my statement, I discovered that a total of {$1000.00} had been spent across six unauthorized transactions between XX/XX/XXXX and XXXX. 
Even one of these transactions was made at a gas station in XXXX XXXX, a place I have not visited. ( Refer to the history for the fraud transactions below ) On XX/XX/XXXX, {$210.00} at XXXX in XXXXXXXX XXXX On XX/XX/XXXX, {$250.00} at a pet shop in XXXXXXXX XXXX On XX/XX/XXXX, {$210.00} at XXXX XXXX in XXXX XXXXXXXX XXXX On XX/XX/XXXX, {$230.00} at XXXX XXXX in XXXXXXXX XXXX  On XX/XX/XXXX, {$47.00} at XXXX XXXX station in XXXXXXXX XXXX On XX/XX/XXXX, {$100.00} at XXXX XXXX station in XXXX XXXX. 

Out of the expenses listed above, only the XXXX charge of {$210.00} was recognized as fraudulent and removed. I do not understand why only this particular charge was addressed.The bank deducted the remaining {$850.00} from my account. 

When I first reported the issue to the bank ( Claim Number : XXXX ), I was told it couldn't be approved because I had already received the product or service. After filing a police report ( Report number : XXXX, attached ) and resubmitting my claim, I was rejected twice more for the same reason. I also provided proof from my company HR that I did not leave work on the day of the fraudulent transaction. I need to understand why my claim was rejected and request a clear explanation. 

Thank you for your prompt attention to this serious issue. 
Sincerely,
Product: Credit reporting or other personal consumer reports

On Experian, XXXX, and XXXX it shows 2 times with 7 late payments XXXX XXXX XXXX Closed XX/XX/year> {$44000.00} I have contacted them but nothing was done about it.
Product: Checking or savings account

On XX/XX/2024 Bank of America illegally went into my personal account and ceased {$6200.00} to pay off a business credit card debt. I did not give them authorization. They illegally utilized my XXXX as a means to access my personal account despite my business account having its own XXXX. FYI I never not once gave them my XXXX to open a line a credit for my business. They was illegal obtained. They did not advise me via written or verbal notice that this was going to occur. I have called them numerous times explaining my situation with business and advised them I would continue to pay as much as I possibly could. They refused to negotiate with me. They closed my account without prior verbal or written notification. They lied to me and said my file states do not contact. This is a complete lie. Why would I not want contact with a bank I do business with and have a personal account with for over XXXX years. This security and financial fraud on their behalf and I am seeking legal action.
Product: Debt collection

This year on XX/XX/XXXX, my husband and I both received letters from XXXX XXXX XXXXs stating that we owed {$1200.00} to the apartment complex we previously lived in. I called on XX/XX/2018 to ask what the debt was for and then paid it in full over the phone by debit card. It was paid at XXXX XXXX. I was given a confirmation code over the phone and I also received a confirmation email. I was told that we were good to go and that we did not owe any more money and we would not be taken to court. Then a couple of weeks later on XX/XX/XXXX, we received another warrant in debt from XXXX XXXX XXXX for the same amount of {$1200.00}. I called XXXX XXXX XXXX again and asked why the warrant in debt was sent to us. They stated that there was a duplicate account made and they would delete it immediately and we would not be charged or taken to court. I requested this in writing and received a letter from XXXX XXXX on XX/XX/2018 that stated that our account was paid in full. We then received another warrant in debt early XXXX for the same amount of {$1200.00}. It stated that we are to appear in court on XX/XX/2018. We should not have to go to court and want this resolved
Product: Debt collection

I asked for forward flow agreeement, chain of assignment, purchase agreement, insurance claim of debt and my signature agreeing to pay numerous times. Ive disputed with XXXX and XXXX, the debt keeps coming back valid even though there are multiple in accuracies with multiple accounts with LVNV FUNDING LLC.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to ensure my credit report is fair, accurate, and complete. 

XXXX. The information being reported does not accurately reflect my credit history. 

XXXX. There are errors in the account details, payment history, or status that need correction.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent debt validation and cease and desist letters to EXPERIAN credit reporting agency several times about an alleged debt.I demanded that they remove all inaccurate or negative information from my credit file. EXPERIAN had 30 days to return notarized affidavit along with proof of validity of a signed copy of the alleged contract or agreement EXPERIAN doesn't have my permission to furnish any of my information however I am demanding the deletion of negative and adverse information.So far EXPERIAN have not responded and is now in violation. I have a signed form XXXX that was received and returned to sender via ups XX/XX/. XXXX XXXX XXXX XXXX XXXX. As of XXXX XXXX EXPERIAN is still showing negative information. I need all 10 inquiries deleted, all Public Records, all closed accounts to reflexed in the positive and all collection accounts deleted, delinquent accounts to show positive and updated personal information to reflex only on address. EXPERIAN need to ask permission to furnish my info. EXPERIAN 'S reporting has damaged me financially severely. There is a big difference in scoring between XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I AM A XXXX  OF XXXX  XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A XXXX  OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit card or prepaid card

XXXX/XXXX/XXXX We 've stolen our a merchant credit/debit card machine ( attached by police report ) by robberies. 

XXXX/XXXX/XXXX We called to report for Bank of America Merchant Service that fraud transaction total is {$95000.00} and they credited it back to account. 

XXXX/XXXX/XXXX The Bank of America Merchant Service charged fees that is {$1800.00} and called them to ask about it. They will investigate it and check it. After that no response. 

XXXX/XXXX/XXXX XXXX : {$7100.00} First, Received a phone call to charge back from Bank of America Merchant Service Collection Dept. and they said that we have to pay {$7100.00} for multiple charge back and fees. They did n't give any solution it and called a BOA merchant service to figure it out what is going on and they made case no. XXXX. 

XXXX/XXXX/XXXX We called again to BOA merchant service collection Dept. and gave increase amount that is {$9800.00} and then we asked why is more than before. An agent said that more charge back and gave another security Dept. # with a special agent said to refund only {$1500.00} credit back to account. 
We talked her why fraud transaction total amount {$95000.00} for charge back to us {$9800.00} then she said that gave back to us only {$1500.00} amount. 
She only said that they can do only for credit {$1500.00} back amount and she did n't explain well and not understand to refund the full of amount we got charge it back.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The car payments were put on deferment because my husband was unable to make full payments but the payments should not have been reported as 30 days passed due five different months. It was during Covid and lots of people were struggling with their finances.
Product: Mortgage

I am the newly appointed personal representative of the Estate of XXXX XXXX. I petitioned for appointment on behalf of the Estate 's largest creditor ( XXXX XXXX ). The bank started a foreclosure on XXXX/XXXX/2015 and it has lain dormant to date. My research indicates that both the mortgage company and the law firm handling the foreclosure filed bankruptcy, and the law firm does not exist anymore. The Condominium fees accruing since the DOD of the owner exceed {$40000.00} and continue to accrue each month. Now the Court has sent out a Notice that it will dismiss the bank 's foreclosure case for non-prosecution. I am attaching documentation referencing the above. I do n't know if the address I provided for the lender is still good - I obtained it from the recorded refinance DOT.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX FUNDING Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX5 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX5 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.