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

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
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 {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX  XXXX {$3800.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$1800.00} 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: Checking or savings account

I am living in XXXX, NY, and I simply want to open a checking account in Sterling National Bank. I have visited 4 XXXX Branches in the past week, but there was no banker willing to help me at all. So I would like some one from Sterling National Bank to contact me directly to help me open an account successfully.
Product: Credit reporting or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have 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 information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation
Product: Student loan

You have my information incorrect, I cant log into aidvantage so that I can set up my automatic payments. When I enter my social and my birthday, name number etc you all have it incorrect so I am unable to log in my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block 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 XXXX 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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
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 Number : XXXX Account Name : XXXX Account XXXX Account Name : XX/XX/XXXXXXXX Account XXXX Account Name : XXXX XXXX XX/XX/XXXX Account XXXX Account Name : XXXXXX/XX/XXXXAccount XXXX Account Name : XXXX XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 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.
Product: Credit reporting or other personal consumer reports

The listed creditors are not related to me, and I did not make these inquiries.
Product: Credit card

I got this Credit card while I was an employee at BMO Harris. During the time that my father passed, I missed a payment and it has been on my credit ever since. It is the only late payment that I have had since I 've had this card and it is affecting my credit score. I have been calling to find a resolution to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXXe of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was alerted by XXXX of an account being used. When I looked, I saw a checking line of credit, used for overdraft protection, from Navy Federal Credit union, was being used and had a balance that lowered my credit score. This account has my name, my ex husbands name, and his current wifes name on it. I disputed the account on XXXX, and I called XXXX XXXX several times, and each time they told me they could not find this account with my name on it. The dispute was investigated but upheld by XXXX XXXX, so the account stayed on my credit report. I disputed a second time, but it was upheld again. I called XXXX XXXX again and was assured this account does not exist, yet it remains open on my credit report, and affects my XXXX XXXX every time the owners of the account use it. I am extremely frustrated by this process and lack of care.
Product: Credit reporting or other personal consumer reports

I filed chapter XXXX Bankruptcy, this Bankruptcy was XXXX XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX and XXXX. I pay a monthly membership fee to XXXX for services to see and dispute my credit report. last 20 days I have filed over XXXX disputes, with all results being that XXXX finds the current information to be accurate and no changes madeXXXX made changes more severe, it is very clear bankruptcy is not a charge off. On XX/XX/year> my XXXX credit score I could see was XXXX, XX/XX/year> my score XXXX, World Finance Acct beginning with XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and XXXX XXXX of - {$3500.00}, Comments " Charge Off ''. Paymen legend stating charge off. XXXX XXXX filed a complaint in regards to this on my XXXX with cfpb, now XXXX XXXX is retailaiting against me by now attacking my credit profile with XXXX. XXXX refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. I am suffering from XXXX and World Finance XXXX reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in Chapter XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and XXXX and World Finance are dilibertly causing un-repairable harm to me by the XXXX disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Product: Credit reporting or other personal consumer reports

I am disputing the credit card charges on my credit report. My report reflects charges for XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX/XXXX. I filed XXXX XXXX Bankruptcy in XX/XX/XXXX and was discharged XX/XX/XXXX. After filing Bankruptcy I contacted Lexis Nexis and placed a security freeze on my account. I was not contacted during or after these accounts were opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX and TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXXXXXX XXXX XXXX XXXX )
Product: Credit card

I booked multi-city flights including a flight from XXXX to XXXX and one from XXXX to XXXX XXXX. Both flights are on the same reservation. Months later, the second flight was canceled and removed from my reservation. I had to rebook flights at a much higher rate without the help of Capital One. I was not given any compensation for this issue. I spent over an hour on the phone with customer service trying to resolve this. The issue was made worse because they were taught that flights are never removed from a confirmation number. That I should have been issued a new confirmation number with XXXX flight. I only have XXXX confirmation number and new emails following XX/XX/XXXX related to the trip do not include the second flight. 

Timeline : My booking : XX/XX/XXXX Flight Changed : XX/XX/XXXX Travel : XX/XX/XXXX
Product: Debt collection

I have written several certified letters asking Northland Groups client XXXX XXXX for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with Northland Group and or their client XXXX XXXX XXXX  XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement does not constitute validation of the account. I've written XXXX since 2017 and they have now sent me to Northland group for {$960.00}.
Product: Mortgage

I try to get a loan with XXXXXXXX XXXX XXXX, everything was gone well. the company ask for hundred. documents, everything the company ask I send right a way. 
when I star to send the documents the company ask me, like a nedd to make a deposit for XXXX XXXXbut the company said a soon the prosed was finish the {$500.00} dollars was return to me.the company take more and more time, the 50 days. The day I suppose to signs aging ask for more documents I was angry bcs i was send before the same document 3 or 4 weeks before, whatever the company continue.to take more and more time, I was angry for that, so I decided to cancel everything.Then I ask to return my deposit of {$500.00} company refuse to return my money.the only explication was that the money was for make evaluation of my house. Was like little. Trick.I try many call but alwys say the same.I need my money back.and I hope you can help me.
Product: Debt collection

I checked my credit report XX/XX/XXXX and notice an account that was not mines. I've called, emailed and XXXX XXXX  a dispute letter to the company. It has been past XXXX  days and still no validation of debt. They did email me in XXXX with a bill that has my name and an address were i've never lived. They said that was the validation of debt. I keep calling the company no answer, i've left messages no return calls. I have all the proof that i did not live at that address where the services took place.
Product: Credit reporting

Received proof from XXXX XXXX that they are no longer reporting to EQUIFAX XXXX AND XXXX as stated on the letter attached to this case. EQUIFAX has still not removed it from my credit report after several disputes and want this off my report immediately as it is making it very difficult for me to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! The Credit Reporting Agencies have failed to properly conduct an investigation in order to have the disputed fraudulent accounts and information that are reporting on my Credit File. This CFPB complaint is already my 10th CFPB complaint requesting the same request over and over again, and yet they are still indicating the dispute accounts and information. Under the fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove the disputed accounts and information that resulted due to identity theft. However, the Credit Bureaus have claimed that the disputed items were verified without sending me copies of proof of verification or any documents bearing my signature. This action of the Credit Bureaus is a clear violation of a consumer 's rights which protected by the Fair Credit Reporting Act. I previously contacted the Data Furnishers and they verified that the disputed items are reporting erroneous information in some way or another. I am now submitting this CFPB Complaint to request that the Credit reporting agencies completely remove the disputed accoutns and information from my Credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00XXXX XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account still reporting on my credit report in violation of Federal Law. They failed to comply with 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.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX - XXXX XXXX AND Equifax XXXX reinsertion. 
I am concerned that XXXX algorithm may be systematically discriminatory toward African American consumers, including myself, leading to unfair and disproportionate credit score drops based on the improper reinsertion of accounts. This event happened later on in the same day after I called in and spoke to an Equifax agent and Supervisor about a separate concern, that call being XX/XX/XXXX I am filing a complaint against Equifax regarding an issue with a XXXX XXXX XXXX XXXX account that was removed from my credit report on XX/XX/XXXX, only to be illegally reinserted on XX/XX/XXXX, without proper notification, as required by federal law specifically Section 1681i ( a ) ( 5 ) ( B ) notification within 5 business days was not fulfilled. Despite this, when the account was re-added. Equifax algorithm interpreted this as a NEW account which would be incorrect since its aged at over 2 years, and in addition the MAGNITUDE of a 100 point decrease in one day from a new account ( incorrectly placed ) does not seem normal or even legal indicating PROBLEMS with EQUIFAX ALGORITHM. I am in the middle of buying a house and the actions taken by Equifax have resulted in an unjust XXXX drop in my credit score due to the incorrect processing of my account which will negatively impact my ability to buy a home. T Timeline of Events : XX/XX/XXXX : The XXXX XXXX  account, which was over XXXX years old, was removed from my Equifax credit report. 

XX/XX/XXXX : The same XXXX XXXX account was illegally reinserted onto my Equifax credit report without the required written notification or certification from the furnisher, XXXX XXXX, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Impact on Credit Score : Upon reinsertion of the account, I received a notification indicating a new account was added to my credit report. This caused a significant XXXX drop in my credit score. The algorithm used by Equifax flagged this as a newly added account, despite it being an older account that was incorrectly reinserted. My overall credit limit usage as of XX/XX/XXXX on my line of credits is below 30 % which is considered good, and that also did not change, so that is also not a reason for the significant drop. 

Lack of Resolution : I have contacted Equifax customer service on multiple occasions, and no representative has been able to explain why the account was reinserted or provide a solution to rectify the situation. The staff have acknowledged the issue but have been unable to offer a reasonable explanation or remedy. 

I believe my rights under the Fair Credit Reporting Act have been violated, and I am requesting that the Consumer Financial Protection Bureau assist in resolving this issue promptly. I am also seeking compensation for the damage to my credit score and the lack of a solution provided by Equifax
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate action regarding the fraudulent information present on my credit report. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the removal of all unauthorized and incorrect information. You are legally obligated to act swiftly and comply with my demands, Violations and FCRA Codes : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block You are required by law to block any information resulting from identity theft within FOUR BUSINESS DAYS upon receiving proof. I have enclosed my FTC Identity Theft Report and relevant police reports as evidence. You MUST comply immediately. 
2. FCRA 611 ( 15 U.S.C. 1681i ) : Dispute Process and Investigation You are mandated to investigate and remove any disputed information within 30 DAYS. If you can not verify the information, it must be DELETED. Failure to comply will be viewed as a direct violation of federal law. 
3. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Providing Records to Victims of Identity Theft I am formally requesting that you provide copies of all records related to the fraudulent accounts and inquiries linked to my identity. This is my right as a victim of identity theft, and I expect immediate compliance. 
4. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of Furnishers of Information Furnishers are legally required to ensure the accuracy and integrity of the information they report. They must correct any inaccuracies or face penalties. Non-compliance will not be tolerated.