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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/22, XXXX XXXX/CURO from XXXX XXXX XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry on my credit. I never authorized this company to check my credit. I never heard of this company before. 

On XX/XX/22, I recevied a credit alert from XXXX XXXX and my bank. That is how I found out about this fraudulent hard inquiry. 

On XX/XX/22, I reported this fraudulent activity to XXXX 's account fraud dept. XXXX told me to file this fraud report with CFPB/FTC, and contact XXXX XXXX to report the issue and request an explanation. I also called XXXX XXXX, and spoke with a customer service employee. She transferred my call to their account management dept. An answering machine picked up my call, and I left a voice message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the official notorized and police report documented identify theif affidavit in XXXX of 2019. I have attached the very documents they where submitted. This company still has this account showing on my credit report.
Product: Credit reporting or other personal consumer reports

LexisNexis verified a bankruptcy on my credit report, and they claimed that the bankruptcy court verified the account. When I ask the courts, they responded saying that they do not provide any information to the credit bureaus. 15 USC 1681b states that CRA credit reporting agency has to have permissible purpose. In accordance with the written instructions of the consumer to whom it relates. Knowing that I asked them for a copy of the permissible purpose written document. I also sent them a copy an Affidavit of Fact notarized stating I did not give them permission to my private information. I also asked them to remove this erroneous inaccurate unverifiable information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute specific accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach or fraudulent activity. These actions, along with any unauthorized inquiries, were reported without my consent. I am requesting verifiable proof of these actions, including documentation that includes my signature or electronic signature. 

Please be aware that this letter is submitted directly by me, not through any third party. I did not authorize these actions, which I believe violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which mandates the blocking of information stemming from a data breach or fraud, and Section 604, which outlines the permissible purposes for consumer reports. 

I have already reached out to the relevant companies and found that these actions were taken without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are fraudulent and likely the result of a data breach or the unauthorized reporting of my information by creditors or third-party data furnishers.
Product: Checking or savings account

I had several charges to my account that were larger than the amount in my account and 2 specific charges that I have noticed so far that had gone thru taking all but 10 dollars out of my account. I called the XXXX program ( the company the state automatically sends my child support money thru because I didnt have a bank account at the time ). The woman that took my phone call was rude and impatient. She wouldnt listen to everything I had to say but she canceled my card and asked if I had any questions so I told her I had a lot of questions! I wanted to know if and when I would get my money back or what they could help me do about it. She had no answers for me. She put me on hold and ultimately hung up on me and now everytime I call back I can not talk to a person about my problem. I have tried every option available and the automated system just does not let you thru. It is a joke! So I have no money, no fraud report, no answers and no one helping me figure out how to go about this. This company offers little to no protection over the money they are holding on to for so many people.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account in my credit report ( XXXXXXXX XXXX  Date opened XXXX ) Please remove this fraudulent account from my credit report. Thank
Product: Credit reporting or other personal consumer reports

Information has been stolen after break in and Ive noticed mutilpe attempts to open accounts with my information
Product: Debt collection

The debt that is on my credit file is not of my own the file is completely unrecognizable.
Product: Credit reporting, credit repair services, or other personal consumer reports

University XXXX XXXX XXXX in XXXX CA invites me back as a student and I am in need of a loan for apporoximately 3 grand and can not get accepted into one i am assuming because mom wasn't able to pay back parent loan on time at all times however now that i am back from my bad period of time, even then everything was payed back on time so therefore i SHOULD be able to get accepted into one. Could you please let me know which one and how to get it please? My credit is good. No worries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have no other names at all. I see unfamiliar addresses Ive only lived in 1 place XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

American Credit Acceptance is still claiming I owe them a debt when pursuant to 15 USC 1692g ( c ) admission of liability may not be construed by any court of law and 15 USC 1692g ( b ) Ive requested they send me a signature of the original creditor because in accordance with the law they can not collect any debt until they do so.
Product: Credit card

I filed an complaint with XXXX XXXX XXXX on XX/XX/2015, I advised XXXX XXXX XXXX that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure XXXX XXXX XXXX are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise XXXX XXXX XXXX company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that XXXX XXXX XXXX are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If XXXX XXXX XXXX fail to respond in writing, signed by hand, in a timely manner, I will assume that XXXX XXXX XXXX are in error and this matter will be challenged. As XXXX XXXX XXXX further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and XXXX XXXX XXXX claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, XXXX XXXX XXXX have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX  XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute for Inaccurate Reporting of Student Loan Account by Equifax To Whom It May Concern, This letter serves as a formal dispute regarding inaccuracies and discrepancies in the reporting of my student loan account managed by the U.S. Department of Education ( US DEPT ED ) on my Equifax consumer credit report. These inaccuracies must be corrected immediately to prevent further harm to my creditworthiness and personal reputation.

The account details and errors are outlined below : Account Details : Creditor Name : DP OF EDUC ( U.S. Department of Education ) Account Number : XXXX High Balance : {$7100.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Account Status : Open Payment Status : Current Account Type : Student Loan, Fixed Rate Credit Limit : {$0.00} Discrepancies and Errors Identified : Late Payments Incorrectly Reported : Equifax reports a XXXX late payment, despite the loan being in good standing and payments marked as current. 
No late payments have occurred ; the status should reflect Never Late.

Failure to Accurately Reflect Deferment or Repayment Terms : The account has been under deferment, which has not been acknowledged or documented correctly.

Violations of Federal Law : 15 USC 1681e ( b ) : Failure to maintain accurate and complete reporting of consumer credit information.

15 USC 1681i : Failure to promptly investigate disputed information despite inaccuracies being evident upon review. 
Requested Action : I formally request the following actions be taken immediately : Correct the reporting on my Equifax report to reflect an accurate payment history with no late payments. 
Ensure the account status reflects any deferment periods accurately. 
Confirm in writing that the corrections have been made within XXXX business days from the receipt of this dispute. 
This incorrect reporting has caused significant emotional and financial distress. I expect prompt action to address this matter. If the inaccuracies are not corrected, I will escalate this issue further, including seeking legal remedies for damages under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was Breached XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$660.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$750.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2023 I applied for a new loan at Eloanwarehouse, only getting XXXX and had about {$190.00} to pay off so they combined the loan. The payment is {$240.00} for 6 months. However I got to pay the Federal close to XXXX and State {$1000.00} I couldn't pay XXXX but paid on time and well the last 2 months, and they said they would attached the payment at the end of XXXX. I looked at the payment it's {$520.00} Heck I only borrowed {$490.00} and paid {$490.00} back and this additional {$520.00}. XXXX and they got 3 more payments. I can't pay a car payment to these people this is against Federal Law in NC to even charge those outrageous fees.
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 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 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 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 or 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

Transunion and XXXX and XXXX collections The balance amount XXXX sent to XXXX and Transunion is incorrect XXXX Correct amount is XXXX See attached proof Trsnsuion snd XXXX refused to acknowledge my including my report from my insurance company XXXX copy attached Also the copy from original creditor XXXX XXXX XXXX shows correct amount owed to them All this information is being ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX  Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX* Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

While reviewing my most recent credit report ( s ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX 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 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

When I reviewed my credit report, I discovered that some of the information was 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 investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XX/XX/XXXXXXXX Balance : {$350.00} XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX
Product: Mortgage

After two years of being in Court and asking this bank to give me a modification they are simply not budging. I live in the property with my XXXX young kids. I work two jobs to provide my kids. The bank wants me to pay {$5400.00} every month which can go on forever. How can a bank ask you to pay that much knowing I have to raise my kids on my own and survive and pay for food and utilities. I am not getting child support from my ex-husband, He caused this mess but I have been trying to fix this. 

I do n't think XXXX XXXX XXXX is showing good faith knowing I paid them from XX/XX/XXXX to XX/XX/XXXX {$5300.00} each month for a total of {$21000.00} my savings. So what am I suppose to do now. I have depleted my savings. I can pay a mortgage payment of XXXX but not XXXX. 

I am asking for some help to reason with this bank. You reached out to them last and asked them t resolve it but there resolution is giving me the same repayment plan of {$5300.00}. I am having a hard time understanding why nothing is being done to stop this bank from asking a single mom to pay so much to foreclose on her home in a few months. 

I 've done my part and proven to them I can do this. 

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

XXXX XXXX XXXX continuously adds an account that is XXXX yrs old to my credit account and recently when disputed added that I had paid them {$91.00} so they can make it look like it is updated and it is not! They have it incorrectly stated that the account was opened in XXXX  when it was not and continue to be fraudulent and use fraudulent tactics for which my next step is the courtroom!