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

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}
Product: Debt collection

My Ex husband opened XXXX XXXX account in my name and now XXXX  collectors are harassing me with collection and now they sued me.
Product: Vehicle loan or lease

I have been making overpayments on my loan with GM Financial in order to pay down my loan principle. GM Financial is only applying these items as credits towards my future payments essentially making my payments and interest free loan to GM Financial. I have asked multiple times to have my overpayments applied towards principle with no help or confirmation. I can not reach an in person representative and feel GM Financials practices are misleading the consumer.
Product: Checking or savings account

On Monday, XX/XX/2023, I arrived at BOAfor my XXXXXXXX XXXX appointment, which I was more than half an hour early because I had mistakenly assumed that my appointment was at XXXX XXXX Upon arriving, I was greeted by a banker and I told her that I had a XXXX appointment Sometime after, the banker invited me and took my information. However, in the process, another banker stepped in to ask my name, which I told her and she informed me that my appointment was for XXXX and not XXXX I immediately retrieved all of my information from the banker, went back into the lobby to wait for my XXXX appointment Shortly after, the banker approached me the second time but this time she asked what was the purpose of my visit, which I told her : To open my business account then she asked to see my information, which I gave her : Updated XXXX XXXX & Tax ID #, which she took with her to the back somewhere? 

Sometime after, she returned to tell me I could not open a nonprofit account because I needed proof of additional paperwork. However, she said : If you were able to change the status in XXXX from nonprofit to for-profit, she would then open the account Furthermore, she said there was no need for me to stay for my XXXX appointment ..., to go make the changes on XXXX, from nonprofit to for-profit, and come she personally ... and handed me her business card However, I felt very uncomfortable and sensed something was very strange so I decided to call my son to share my experience. I also ask him if there was any way for me to make changes on XXXX to which he said no! I felt that I was discriminated against and so I decided to make a complaint to the back but they refused to deal with the matter correctly. 

Thank you XXXX XXXX
Product: Debt collection

On XX/XX/year>, I received a letter from court that judgement was entered from Discover for me to pay credit card debt in the amount of {$2200.00} because I failed to appear in court on XX/XX/XXXX XXXXDiscover did not follow legal procedures because I was not legally served or not notified that I was being sued by Discover and the judgement amount is inaccurate and different from the amount owed on my credit report which violates the Fair Credit Reporting Act.
Product: Debt collection

This debt is an old debt that is over 7 years of age. The creditor MIdland Credit Management is trying to collect a debt that has been written off. This debt was incurred during the XXXX  or so time period. Therefore i want it removed from my credit bureau reports ASAP. The amount of the debt is XXXX XXXX  XXXX XXXX not 100 % sure who the original creditor is honestly.
Product: Debt collection

I have been receiving harassing phone calls from Phoenix Financial. When I called back after a missed call today to find out who they were, they didn't identify themselves as a business, wouldn't tell me who they were, and stated they've been calling me for over a year so I should know who they are. The representative who I think was named XXXX XXXX, then hung up on me. I called back a second time and reached a XXXX who when ask, said he was with Phoenix. When I ask why they were calling he told me I called him and ask if we were going to play around on the phone, and this was an inbound line. He then also hung up on me. These collection practices are outrageous and the way i was treated is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the remaining debt in XXXX which was {$280.00}. All the major credit bureaus have the collection paid off and removed from my credit report except for Experian which is still showing the amount of {$100.00}. I didnt contact XXXX which is now XXXX XXXX, who is in charge of the debt because its showing {$0.00} on their website.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Payday loan, title loan, personal loan, or advance loan

Sunlight is charging me for an account that they unlawfully released!! XXXX XXXX is the borrower. Below is a reply in regards to Sunlight contacting my lawyer that is not on this case!! Please see below. XXXX XXXX, the Dispute Resolution Counsel from Sunlight emailed XXXX  XXXX XXXX. 



XXXX : XXXX XXXX CFPB Complaint XXXX XXXX From : XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX PM From : XXXX XXXX Sent : Wednesday, XX/XX/year> XXXX PM To : XXXX XXXX XXXX Cc : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX Subject : Re XXXX XXXX XXXX CFPB Complaint XXXX XXXX Sunlight is mistaken about having been somehow released under the Arbitrators decision. XXXX XXXX withdrew her claims against Sunlight in the XXXX proceeding before the Decision was issued because the arbitrator received notification of Sunlights bankruptcy proceedings and XXXX XXXX was not financially able to go to Delaware, retain counsel there, and move to lift stay against Sunlight. 

Your response to her current claim is deplorably self-serving. 

Sunlight made a business decision to fund a draw when it did not have its borrowers consent. This was completely illegal and the interest that is being assessed by your firm is an additional violation. 

If you would like confirmation from the arbitrator that the claim against sunlight was withdrawn and not included in his decision, we will be happy to furnish that for you. 


Sent from my XXXX On XX/XX/year>, at XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, Sunlight XXXX is in receipt of the attached CFPB Complaint filed by XXXX XXXX. It is unclear to Sunlight if XXXX XXXX is still represented by your firm. Accordingly, in the spirit of full transparency, we have attached a copy of our short response. 

If you have any questions, please let me know. 

Best regards, XXXX XXXX Dispute Resolution Counsel Office : XXXX Email : XXXX www.sunlightfinancial.com XXXX This message and any files transmitted with it ( collectively, this message ) are for the named persons use only. This message may contain confidential, proprietary or legally privileged information. No confidentiality or privilege is waived or lost by any transmission errors. If you receive this message in error, please immediately delete it and all copies of it from your system, destroy any hard copies of it and notify the sender. You must not, directly or indirectly, use, disclose, distribute, print, or copy any part of this message if you are not the intended recipient. Sunlight Financial reserves the right to intercept and monitor all e-mail communications through its networks if legally allowed. 



XXXX XXXX, XXXX XXXXXXXX <CFPB Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX my credit report without my permission on XX/XX/2023 at the time I was hospitalized for XXXX XXXX treatment
Product: Credit reporting, credit repair services, or other personal consumer reports

To who

m It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable proc
edures 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report. 

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six 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 thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER
Product: Debt collection

This time it is a company called " First Recovery ''. 

I keep getting repeated calls. My wife and my work are also being called. I 'd like a cease and desist from these people, they have been hounding me for almost a year, and every time XXXX ends, a different company starts calling. I do not want or wish to be contacted by anyone unsolicited by telephone, especially when they are threatening court summons and wage garnishment without prior notice or explaining what they are talking about. Please help make this stop once and for all.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

i did not authorize any credit inquiry from YET THERE ARE HARD INQUIRIES FROM BOTH COMPANIES US BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting or other personal consumer reports

Hello below are the companies I've reached out to several times and still have not provided any validation of these accounts. They are both reporting from the same account number with two different names this is a serious violation according to the consumer laws Under 15 USC 1692G Delete these accounts immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent account and keeps on reporting on my credit report within the 4 days as required by law : Again this account is fraudulently reporting on my report, please delete asap : 1.Cashcall Inc. XXXX XXXX XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith : 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by XXXX, XXXX, equifax pursutant 15 usc 1692, and 15 usc 1681
Product: Credit card

Old Navy placed an alert on my account and will not let me use either their own store card or a bank card to make purchases. I have called several times, waiting on hold for over an hour to talk to a customer service rep. When I finally did get through they didnt know why the hold was placed or who could help me. They just tried to shuffle me off to the next person. I tried contacting Barclays and could not find any email address or phone number to get a live person there who could possibly help me. So I am basically being banned from shopping at Old Navy for no discernible reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of this year 2022 I have been sending disputes and studying my rights as a consumer. I have sent multiple letters to EXPERIAN but eighter they respond with a generic letter stating everything is accurate or they never respond. 

But accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

15 USC 1681b- Please provide my written instructions that granted you permission to furnish my consumer report to the below creditors ; XXXX XXXX Account # XXXX -XXXX Account # XXXX -XXXX XXXX XXXX Account # XXXX -XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX -XXXX  XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/year> All Three Credit Bureaus My Information ( my name ) XXXX XXXX XXXX ( my address ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( my telephone number ) ( XXXX ) XXXX XXXX ( my employment ) XXXXXXXX XXXX XXXX XXXXXXXX ( my E-mail ) XXXX all three credit bureaus please remove all of my personal information history because I'm trying to eliminate identity theft so please remove everything else use the info up above. 
I need for you to remove these creditors from my credit history these are fraudulently obtained accounts please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX I'm not liable for this debt with I do not have a contract with the credit agencies filing this report this was fraudulently obtained by identity theft they did not provide me with the original contract as requested
Product: Credit reporting or other personal consumer reports

Please delete these inaccurate names an addresses they do not belong to me by the fcra states that anything inaccurate incomplete or unverifiable needs to corrected immediately to show the accurate information I should only have XXXX name which is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX Ga XXXX I also provided proof anything other then this is inaccurate names addresses are below thats inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to KIA Motor Finance for $ {$4900.00} and not excepted due to Kia Finance not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from Kia Finance to be updated to paid off when that is what happen and my refund issued immediately.