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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. ) Your agency is in violation!

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

In Accordance with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX  XXXX XXXX - Account number - XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 XXXX 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 in accurate. 
15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint about some items I disputed on my credit report and the credit bureau responded saying two of the items were removed in XXXX of XXXX. If those items were removed in XXXX of XXXX why is the items still being reported on my credit report as of XX/XX/XXXX. I sent yall the most recent report to prove it and their response is those items are removed. How is it possible for me or anyone who pulls my credit report see it if its been removed. These credit bureaus do nothing but stall us consumers and respond to us as accurate is wrong and unlawful
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed from my account. These are the accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had about XXXX dollars in my account on Friday XX/XX/XXXX. I used my debit card to withdraw cash and made 3 small dollar purchases throughout the day ( {$15.00}, {$10.00}, and {$10.00} XXXX that brought my account to {$710.00}. I paid my movers at XXXX and XXXX via XXXX, but I made a mistake on the second payment and used the same debit card linked to my bank account. I have Debit Card Advance enabled for purchases where I might overdraw, and I accepted the mistake and the {$35.00} fee because they graciously covered the {$280.00} overdraft. On Tuesday XX/XX/XXXX, however, they assessed me {$100.00} in fees for three overdrafts. I was stunned, because I did not use my debit card after I overdrew my account and in fact turned it off to make sure nothing, not even a recurring bill for {$1.00} from XXXX for my email, would throw me further in the hole and incur an additional overdraft fee. The bank can verify they authorized those payments earlier in the day but, by tricky processing times, because those payments posted on Monday overnight, when I was already overdrawn before I had a direct deposit go in on Tuesday morning, even though I made those payments when the balance was positive and had no fear of overdraft, TD Bank now says the posting time means I incurred those fees. They are more than happy to say funds unavailable when they do not want, and take the money out of my account right away because it's pending, but somehow because " XXXX closes their batch late '' I am on the hook for 3 {$35.00} overdrafts when, conveniently, the large XXXX transaction that I did later that night and do not dispute the overdraft on, nor the fee assessed, posted right away and caused a fee the next business day. This debit resequencing is fraud and is done specifically to disfavor their customers. The service they provide is valuable and when I have overdrawn I understand it's my mistake. Note that I am not disputing other recent charges when I did, nor the {$35.00} charged on Monday XX/XX/XXXX for the offending overdraft. Fair is fair. This, however, is not fair. And their deposit agreement states they'll transact in chronological order but then somehow with overdraft they disclaim all of that when it comes to fees they might be able to earn.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

On XX/XX/2023 ( over a year ago ), the consolidation process of my 6 original loans into one new consolidation loan was finalized, and Aidvantage was no longer supposed to be my student loan servicer, because I had selected XXXX as my new student loan servicer during the loan consolidation application. However, despite correctly listing the balance of my XXXX original loans as {$0.00}, Aidvantage has repeatedly refused to close my XXXX original loan accounts, and has also refused to issue me an official paid in full form. When I log into my Aidvantage account, my XXXX original loans have a balance of {$0.00}, but their " end date '' is listed as XXXX, their status is listed as " consolidated '' instead of the correct " Paid in Full by consolidation '' and the payment plan is listed as " Paid in Full '' ( the problem is that there is no such thing as a payment plan called " Paid in Full '', because " Paid in Full '' is a loan status that Aidvantage refuses to apply to my XXXX original loans in their internal system. I will provide the screenshots for that ). XXXX successfully received my new consolidation loan on XX/XX/2023 and I have never missed a payment. The StudentAid.gov FSA complaints office has been ignoring my case for 6 months now. The case number for the StudentAid.gov complaint that I filed in XXXXXXXX XXXX XXXX is XXXX. The Student aid.gov office has repeatedly refused to escalate my case to their Ombudsman office, and this is the reason why I'm contacting the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that I have not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 Occasion I asked Equifax and XXXX to verify 3 debts on my report. The first was on XX/XX/XXXX, the next one was on XX/XX/XXXX and the 3rd was on XX/XX/XXXX. I am sending one last request, as none of these requests resulted in showing me proof that any of the 3 debts are actually mine. They never even responded by mail to let me know what the status of these debts are. I am prepared to seek civil remedy, but as part of my case am filing this complaint for the record. I will be attaching my last and final request, and this will list the debts that I am trying to verify.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against OppFi regarding an account reported on my credit file under XXXXXXXX/OPPLNS XXXX. I recently reviewed my credit report while applying for a mortgage and discovered this account, which I do not recall opening or authorizing. 

My personal information has been compromised in multiple data breaches, and I filed an FTC Identity Theft Report over three years ago. I have attached documentation confirming these breaches. Given this, I am demanding full validation of this alleged debt, including my original signed agreement and a copy of my photo ID. 

Additionally, OppFi is reporting inconsistent and inaccurate information across different credit bureaus, including conflicting open dates, date last active, and balance amounts. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting.

I demand immediate validation of this debt or the removal of this unauthorized account from my credit report. Failure to comply may result in further action to enforce my consumer rights under federal law. I expect a prompt response
and resolution to this matter.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccurate amounts and dates being reported.
Product: Credit card or prepaid card

Subject : Complaint against Capital One regarding the misleading offer and unfulfilled bonus Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding their Savour card and the false advertising of a {$200.00} bonus offer on spending {$500.00} within the first month. Despite meeting and exceeding the spending requirements, I was informed that I am not eligible for the promised bonus. This situation has caused me significant inconvenience and frustration, and I seek your assistance in rectifying this matter. 

On XX/XX/XXXX ( or in that week ), I applied for the Capital One Savour card primarily because it advertised a lucrative offer of a {$200.00} bonus when spending {$500.00} within the first month of card membership. The offer was a deciding factor for me to choose Capital One as my financial service provider. However, to my dismay, after spending a total of {$800.00} within the specified timeframe, Capital One notified me that I was not approved for the bonus. 

Feeling misled and deceived, I immediately contacted Capital One 's customer service on two separate occasions, including today ( XX/XX/XXXX ), to seek clarification and resolution. Regrettably, each interaction with their representatives left me dissatisfied and without a satisfactory explanation for the denial of the bonus. This lack of transparency and accountability from Capital One is highly disappointing and does not align with the standards I expect from a reputable financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans dates and amounts as followes Date opened XXXX/XXXX/XXXX amount for XXXX Date opened XXXX/XXXX/XXXX amount for XXXX Dated opened XXXX/XXXX/XXXX for amount XXXX Date opened XXXX/XXXX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file
Product: Credit reporting or other personal consumer reports

After reviewing my credit report back in XXXX, I found that there was an account that wasn't mine listed. This account doesn't belong to me, and I do not know who the creditor is reporting, nor have I given them my information. 

XXXX XXXX XXXX - XXXX XXXX XX/XX/2023 XXXX {$14000.00}
Product: Debt collection

Yes I am disputing and complaining on a current company who continues to try and attempt to put a debt collection on my credit report when it has been removed multiple multiple times and this time of choosing another name as well as its own all my credit report which it was removed. So I don't understand why it's still being trying to charge when that's illegal. Once it's removed it should be permanently removed and it can't be reput back on my credit report in its name or any other name on any of three bureaus. While I find out that they are continually doing this every few months they try to put it back on there and I tried to dispute with XXXX and XXXX. It told me that they disputed and the information is correct so I can not dispute it no longer but it's already been deleted once from them and then re put back on there here recently. XXXX or XXXX just removed it again and deleted it from theirs so XXXX should be doing the same, especially since it's already been deleted before and once it's deleted. It's a permanent thing. They can not keep trying to put it on my credit but they do. The company is XXXX XXXX. I'm getting to the point to where they are ruining my credit and I'm going to file a lawsuit or something. Or if you guys could give me any information on what I could do as far as legally or through a mediator or arbitration to them for this because they're illegally continually re-reporting stuff on my credit that was permanently deleted multiple times!! 
Also XXXX XXXX XXXX XXXXg or whatever that was on my credit report for {$890.00} has also been deleted and should been permanently deleted and not been able to reappear on my credit and it has reappeared on my credit and all three credit bureaus should delete it, not just one and the other one allow it and then delete it and then let it come back it. It should once it's deleted it should be permanent permanently deleted and deleted off all three and not allowed to reappear so that's another one that's also doing the same thing
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I sent the credit card ( Bank Of America ) bill payment 10 days before the due date on XX/XX/2022 which reached them late because of US Post service but they charge me {$25.00} as late fee but I called them to charge this bill ( paid {$120.00} ) from my savings account ( the balance of which then falls below {$500.00} and I have been charged {$8.00} again for account maintenance fee ) and lately they got my check too which I mailed them 10 days earlier from due date and was posted on XX/XX/2022 on my account. So I am calling them again again to waive that late fee of {$25.00} which is none of my fault but they they can not do. Please help.
Product: Credit reporting or other personal consumer reports

I have requested XXXX and TransUnion to remove wrong information, but the problem has not been solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 Disputable hard inquires with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I ONLY provided authorization to complete soft credit checks. Credit Check Authorization : A soft credit check allows us to watch for updates and changes to your credit score with all three bureaus WITHOUT impacting your scores in any way. Providing authorization allows us to monitor your scores through soft checks for the next 12 months or until your scores meet loan requirements. This also serves as authorization to complete soft checks for your co-borrower if you have on. This hard inquiry has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Medical amount owed on credit report {$1500.00} I called and gave my social and couldn't be verified in system and they have yet to take it off of my credit report. 
XXXX XXXX amount owed on credit report is {$590.00} I don't even have a driver license to drive so I would not need insurance. 
XXXX University amount owed on credit report is {$1300.00} I had enough pell grant amounts plus subsidized loan to cover everything, They decided to put this collection on MY credit report after I had to withdraw myself due to family issues. 
XXXX XXXX amount owed on credit report is {$200.00} never had I had XXXX XXXX in My life there isn't one where I live. 
Conns Everything was paid off at the store in XXXX XXXX Tx cash so this needs to be removed because it is affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Credit card

XX/XX/year>, I made a payment on my Citi master card an authorized payment the next day Citi made an unauthorized payment of XXXX from my bank account and that amount made my account plummet, I did call and inquire and couldn't get any information and was told I owed what was unauthorized payment they just said my credit card was cancel from there mistake.
Product: Mortgage

I applied for help with the XXXX XXXX program and was accepted for an amount of XXXX. Which would have helped significantly. Unfortunately, the lender was allowed to deny it and then continued to move forward with the foreclosure process. Why is there a program to help if the service is allowed to deny it? How does this help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Charge-off : XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX XXXX Date of inquiry:XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry:XX/XX/XXXX