23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$4700.00} UNKNOWN 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, credit repair services, or other personal consumer reports

Equifax show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - XXXX charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting or other personal consumer reports

I have file dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I WAS requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXX, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. ''
Product: Credit reporting or other personal consumer reports

The last payment made on this credit card account was XX/XX/year>. Discover Card closed this account in XX/XX/year> taking a full write off {$7600.00} for an account with a {$6500.00} credit limit ( the extra {$1100.00} was for penalties and fees ). For XXXX years I did not hear from them. Then this account began to reappear on my credit as an " active '' account. The amount owed and the credit limit began showing and affecting my " owed '' balances. I began to receive emails from Discover Card telling me they could not sue me but I still owed them the full balance ( despite them having written it of/charged it off XXXX years ago ). Even if this is true this account should not be misrepresented/showing as an " active account '' to be used as a malicious tool to damage my credit in the way it's status is being misrepresented.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am requesting all unauthorized hard and soft inquiries, along with non-mailable addresses be removed from my credit profile. 

For each of the non-mailable address and inquirys I am requesting : The name and contact information of the company or entity that made the inquiry and or provided the non mailable address. 

Additionally, I am opting out of these inquiries and any authorization I may have previously given, verbally and/or in writing effective immediately. 

As, hard inquiries do affect my credit score. I request that you restore my credit score to reflect the removal of these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$110000.00}
Product: Mortgage

I purchased a condominium XXXX XXXX XXXX, originally purchased with XXXX XXXX XXXX XXXX. I was never given a notice, but they suddenly sold the note to US Bank National Association. They have since went up several times on the mortgage payment. I recently mailed them certified and faxed a letter requesting UCC Article 9, Writ of Discovery, freedom of information act and request of accounting regarding the loan. I also sent them a tender of payment to include 1099A, twice XXXX and XXXX XXXX  Since US Bank has securitized the promissory note, without my consent and knowledge, I have rescinded the contract and stand a surety over the securities and request and demand discharge of debts. They have committed securities fraud and I demand a discharge and immediate pay off to be reported on my credit report. They have ignored the notice and phone calls. They have instead used it to ask if I want to sell the property or request forbearance. I am demanding a discharge of the debt, due to securities fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX, Experian, and XXXX are reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXXXXXX XXXX XXXX XXXX XXXX OF GEORGIA XXXX Which is false. 
I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
XXXX, Experian, and XXXX are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on credit report that can not and has not been verified because bankruptcy courts do not verify bankruptcies with credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother, XXXX XXXX, was the victim of scammers who urged my mother to send money " urgently '' to help my sister, XXXX XXXX. My mother sent three checks from her bank XXXX XXXX XXXX. As soon as my mother realized she had been scammed, she signed up for credit monitoring service from Equifax. This was in XX/XX/2017. Because the scammers had resulted in my mother 's account being completely overdrawn, the bank closed my mother 's account. 

My mother was able to open a new account at XXXX XXXX XXXX  later the same month. When she did, Equifax then began to withdraw money from the new account. As Power of Attorney, I notified my mother immediately about her having been identify as part of the major security breach at Equifax and set up a free XXXX XXXX XXXX XXXX. Because Equifax had so many calls at the time of the breach, the process was lengthy and I made calls over a few days to get her account set up. The representative told me that my mother 's paid Equifax credit monitoring subscription would be cancelled and she would no longer be billed. She continued to be billed by Equifax even though I tried to resolve this. I called Equifax during the last weeks before her death and told them that my mother 's bank account would soon be closed. Equifax assured me they would act to stop the withdrawals and would work toward a refund. They requested documentation, which I sent to them. They requested something showing my mother 's address, which I sent to them ( a XXXX Bill ) ;  copies of her identity ( driver 's license and social security card, and other information they requested ). I have had no contact with Equifax except a congratulatory email extending her XXXX XXXX for another year. For the record, Equifax did attempt to withdraw one time after her XXXX XXXX XXXX  account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

Barclays gold card offered the card to military members with no annual fee and zero percent interest. Recently, Barclay changed the policy charging {$990.00} annually to military members. I would say this was a classic bait and switch. Lure military members in offering a good deal and once purchases are made change the fees to charge the annual fee. Military members with a balance and unable to pay off and cancel get hit for the highest fee on the maket.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am an item on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some unauthorized inquiries on my credit report, which left me confused and frustrated. I routinely check my report, and seeing these issues pop up without any reason is extremely concerning. I refreshed my browser to rule out a glitch, but the inquiries are still there. I urge you to thoroughly examine the documents Ive sent so that I can finally feel secure about my credit report again.
Product: Payday loan, title loan, or personal loan

On the following days I agreed to a charge of {$36.00} and have it via email : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. 

However, they've charged {$57.00} on each of those dates so far. I have no explanation for them charging almost {$20.00} additionally each payment date nor do I have it in writing for them to charge me this arbitrary amount.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked and fully paid for a cabin rental with XXXX XXXX for a stay from XX/XX/XXXX-XX/XX/XXXX. 12 days after we departed ( XX/XX/XXXX ) I was charged an additional {$460.00} for " damages ''. We did not cause any damages during our stay. Discover Card allowed the merchant to charge me and refused to reverse the charges after I disputed.
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 rederally profecia consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Secc04 A Section 2. It also states a consum instructions ing agency can not furnish a account ut my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report t more than seven years.

15 USC 1681-2 ( XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency or if the person knows or reasonable cause to believe the information is inaccurate.
Product: Debt collection

To Whom It May Concern, This letter is in response to notice I, XXXX XXXX, received of a debt being claimed against me. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, who was this debt paid too, and evidence that I am legally responsible for the debt. 

Please consider this debt to be under dispute. If it is found that there is no evidence of this debt is under my name, then I request that all credit bureaus and appropriate financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. Please send all communication, by mail, to : XXXX XXXX XXXX, XXXX, NY XXXX I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

Thank you for your cooperation, and I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXXXXXX XXXX XXXX, a fraudulent charge totaling {$350.00} from XXXX was made against my CapitalOne XXXX XXXX credit card. I had made another purchase from XXXX on that date, but this additional charge was never invoiced and not authorized. I contacted XXXX over the phone for a refund, and they said they would provide it within seven to ten days. That did not happen, so I proceeded to dispute the charge with Capital One. 

On XXXX XXXX, Capital One informed me that I needed to provide additional information. I submitted a fax on that very day with the required information. I then received another notice that I needed to submit further information. I submitted another fax with the information they had requested. I have attached their letters and my responses to this message. 

On XXXX XXXX, I got a message saying that my claim could not be validated. It is logically impossible for me to provide any proof other than my testimony that I received a fraudulent charge -- I can not describe goods or services that I never ordered. I have done my due diligence and contacted the merchant prior to filing a dispute, and Capital One is not honoring their part of the deal. And this is not the first time this has happened to me.
Product: Credit card or prepaid card

I was wrongly-imprisoned by the State of Nebraska in XXXX and so I could no longer pay my credit card bills so my credit went downhill. When I was released in XXXX, I got a secure credit card from Capital One ( it was a few months into XXXX at that point ). They never asked if they had I certainly would have told them as I tell everyone about that atrocity of justice. I had that card for over a year and I continually got feedback from them that my credit repair was doing very well. In XX/XX/XXXX they offered me a $ XXXX car loan and in early XXXX they sent my secured credit card deposit back and also offered me a $ XXXX credit card. Again saying that I was a great customer and my credit repair was going very well. In XXXX they cancelled both my cards without a word. I was scheduled to go on vacation the next day so I was frantically calling to find out why this happened and finally got someone to say it was because they discovered I had this item on my record from XXXX and there was no appeal and no further communication about it. 

My complaint is not about their XXXX  behavior. It is that they have stolen money from me in the process of closing my accounts. I had a {$60.00} credit balance on one card ( XXXX XXXX because I got a cash-back check from them after I had paid my prior month balance and their should be a {$39.00} credit balance on the other card ( XXXX XXXX because I was in the process of getting a rebate from a magazine auto-bill that I cancelled. It's been close to two months and they have not sent me that money, which is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX XXXX number : XXXX Account name : XXXX XXXXXXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 section 602a states I have a right to privacy. 

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

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

I was notified of legal action taken against Ally Financial. All XXXX credit bureaus are still reporting this debt on my credit report. All payments were to stop and I thought it should be removed from my credit reports. XXXX is reporting payments made and there has not been. Should this debt be removed from my credit reports?
Product: Payday loan, title loan, personal loan, or advance loan

I found out about a program called XXXX for music production when I got out of High School. I couldn't afford student loans for bigger schools so I thought the program with the certificate would be easier. The school informed me that it was " accredited '', that I would get a certificate and learn from a teacher who used to go to XXXX. After going through the course and getting my " certificate '', I realized that : - when I started, I had already almost quit due to the studio I was supposed to be learning at treating me like an intern the time I was there. I made a complaint and got that out of the way and finished the program thinking I'd have no issues. 

- the sale pitch for it was way different from the actual process, the ad showed a hands on, descriptive learning experience and half of my experience I watched XXXX videos with my mentor while he was on his phone, then for the last couple minutes we'd talk over the video - accredited meant nothing to no one, other colleges couldn't find any records to use when trying to search up schooling I already did - studios I applied to intern/work for seen it as a joke and it didn't compliment my resume. I spoke with an engineer at one of the studios and he said he's heard about cases like this prior and that they've cheated many people before into thinking it actually means something.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Debt collection

Hello, This is my second report in 3 years. I am victim of identity theft and the follow credit card was opened and used without my knowledge. 

Original Creditor : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Original Acct # XXXX Current Account Balance : {$9900.00} I have been harassed by collectors in the several years. Since my original report has expired, I am opening a new one.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed a deceptive form, that was furnished onto my consumer report, the account name is " Penn Credit Corp ''. According to 15 USC 1692j., It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in any collection of any debt. Please block and remove off of my consumer report.
Product: Debt collection

Nothing happened never heard back from them and its been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has kept letting XXXX XXXX XXXX, XXXX report a account 2 times since 2015 ive ask them on many different disputes to remove one they refused. this has caise a hard XXXX to my self an family.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed account to be blocked and deleted company information from TransUnion.

Please delete the following accounts XXXX XXXX BALANCED {$3100.00} XXXX XXXX BALANCED {$750.00} XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX BALANCED {$320.00} XXXX XXXX XXXX XXXX BALANCED {$4100.00} XXXX XXXX BALANCED {$13000.00}