23daVinci/CFPB_Complaints huggingface dataset:
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. 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 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: Debt collection

ncb management service at XXXX XXXX XXXX XXXX XXXX, pa XXXX submitted a collection account to my credit report on XX/XX/XXXX owing a past due balance of XXXX i dont know this company. i have never done any business with this company. this company does not have a contract with me or with my signature. .its stating account opened in XX/XX/XXXX, and a report date of XX/XX/XXXX. I havent recieved any correspondence from this company prior.
Product: Credit reporting or other personal consumer reports

XXXXBRIDGECREST has reported with all XXXX credit agencies that the balance is Charged off as as reported a XXXX Profit and Loss with the IRS XX/XX/year>. However I have not received my 1099 to report as income. This account is reporting inaccurately as it should not be reported at all. I am requesting the 1099 filed and this account removed from my report across all 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing that my loan history for my federal student loans is current/on-time. However, I applied for a vehicle lease program with XXXX XXXX XXXXXXXX XXXX XXXX Arkansas ( and incurred an inquiry as a consequence. ) XXXX, the General Manager that assisted me advised that my Transunion report indicated that the most recent remarks for my student loans, stated 120 days late. 
XXXX reports the opposite. I can not be LATE on-record, because payment extensions were extended nationwide throughout the pandemic and for isolated disasters affecting borrowers of certain areas. 

XXXX also reported that my XXXX score was XXXX and yet, I was still denied credit at the dealership. 

I would like very much for XXXX XXXXo FIX any inconsistencies in their reporting, and for Transunion to correct its errors,
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires I dont recognize or did not authorize! 
XXXX XXXX XX/XX/2021. 
Flagship Credit acceptance XX/XX/2021. 
XXXX XXXX XX/XX/2021. 
XXXX XXXX XXXX XXXX XX/XX/2021.
Product: Student loan

I was living at XXXX XXXX XXXX for 4 month left and went back to my moms house at XXXX XXXX XXXX XX/XX/XXXX we had a fight he stole my passport I did not apply or take out any student loans or give my information to be used as co-sign the person responsible is XXXX XXXX XXXX please update your info and help he stop the fraud
Product: Credit reporting

I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action.
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.

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 se

ven 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

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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, RI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX when I pulled my consumer report I noticed a few accounts that does not belong to me. I tried disputing these accounts with the 3-consumer reporting agency and they never respond to my disputes. # XXXX {$2900.00}, # XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened a Fraudulent Account in my in the amount of XXXX This account is a result of Identity Theft. I did not Authorize this Account to be opened
Product: Debt collection

hello, I have a account for a personal loan with lending club and have located better loan with my credit union who sent out a payoff check to lending club. I called in on the XXXX of XXXX to put a loan payment extension till the XXXX of XXXX on file with lending club. I informed them I have sent a check to cover the total amount of payoff to them to be there before the XXXX of XXXX and to expect a call from me prior to the XXXX to verify payoff and to pay any possible unpaid amounts to close out the account. as of the XXXX of XXXX I was charged through automatic payment withdraw my monthly payment amount even though the company had received my extension and also my check for payment in full. I contacted the company to get my payment refunded and now am being told by the rep. and told would only be the same answer from a manager that there is nothing they can do, they admit its there error and that this payment shows to be in the over payment que already and no future payments due. however they are now causing my bank account to overdraft and are unwilling to correct there mistake and refund the money before 1-2 weeks out. I feel as this was intentional and is not acceptable for a financial institution to not be able to refund the amount taken in error in a timely manner. any help in this matter would be greatly appreciated ad possibly a fine or reimbursement for my personal banking fees due to there error seems fair. thank you.
Product: Debt collection

A CBE Group text me to collect a debt and I dont owe anything for anybody. The text reads : This message is from the CBE Group, a debt collector. Please contact us at XXXX or XXXX. Reply 'STOP ' to stop texts to this number. 
The phone number it came from is XXXX ( XXXX ) XXXX. I dont know who they are!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX account number : XXXX {$1900.00} XXXX account number XXXX {$0.00} XXXX XXXX XXXX {$1500.00} account number XXXX XXXX XXXX account number : XXXX {$770.00} XXXX XXXX XXXX {$320.00} account number : XXXX inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE 1- ( XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a throughout investigation. This practice violates the Fair Credit Reporting ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I am a XXXX, service connected, and I have submitted both a letter and statements from the XXXX County Property Appraiser office indicating that the taxable value for my home is {$0.00} and the customer service representatives, to include a supervisor name XXXX, has stated that these documents are insufficient. Based on their non-acceptance of these documents, which according to the XXXX County Property Appraiser ( XXXX ) are the only documents they can provide. The XXXX says they can not provide an official tax statement prior to the end of the tax year and Dovenmuehle Mortgage Inc is demanding one now in order to adjust my escrow to reveal a {$0.00} amount for property taxes, instead they have raised the amount of taxes to be paid for 2017 which is WRONG. I do n't know if this is an issue because the mortgage company is outside of FL or not ; but according to XXXX these documents have always been sufficien.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy in XXXX of 2015 and it was discharged XXXX of the same year. 

Bank of America has continued to report the account as open with a late payment. They have completely ignored the bankruptcy discharge.
Product: Bank account or service

Back in 2013 I started applying for jobs everywhere due to the fact I was a single mother. This company " XXXX XXXX company '' sent me a check letting me know I was hired and I had to activate the check and I could start working. I followed the directions in the letter that was originally attached to the check ( you will find it in the attachment of documents ) I activated the check and verified with the bank that it was real the lady I spoke with said yes and I had to deposit it and wait for it to clear. I woke up the next morning to my bank account being closed do to " fraudulent activity '' I have been fighting this matter with " XXXX '' & " XXXX '' back and forth since 2013. And till this day with all the proof I have they still are n't willing to work with me. I feel like I was ripped off of my life for the past 3+ years. I just want to be able to get my life together for my son. It is already hard enough living in XXXX XXXX let alone being a single mother. Please help me gain my life back!! People should n't have to suffer due to scams going around. Please look at all the information I am providing and take it into high consideration. Thank you for your time!!
Product: Credit reporting, credit repair services, or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries to be removed : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency is inaccurately reporting two 30+ day late payments for the months of XXXX and XXXX of XXXX. The due date for this loan is the XXXX of each month. I have attached receipts showing that the XXXX payment was made on XX/XX/2020 and the XXXX payment was made on XX/XX/2020. Additionally, I have an email from the credit union responsible for this loan that clearly states the months prior to XXXX and XXXX were current. 

I have disputed this information with Experian and they refused to make changes to my credit report. They suggested I dispute again with supporting documentation, but provide no means to add supporting documentation. The documentation showing the above is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT INFORMATION ON MY CREDIT REPORT. IVE FILED MY FTC REPORT AND 605 LETTER.
Product: Debt collection

I am being continually harassed on acctXXXX for the student loan debt of a stranger with a different name that has NEVER lived in my home of XXXX yrs. On XX/XX/22 our mail carrier confirmed the borrower lives at XXXX XXXX XXXX. Despite numerous contact attempts the collector refuses to update the records of a {$20000.00} debt comprised of {$6000.00}, {$6000.00}, {$4500.00} & {$3500.00} so that's the total I'm considering suing for in defamation & damages.
Product: Credit reporting or other personal consumer reports

Dispute Letter for Address, Phone Number, and Employer Removal XXXX XXXX XXXX XXXX Credit Bureau Name [ Credit Bureau Address ] Subject : Request for Removal of Incorrect Personal Information Dear Experian, Transunion, Equifax I am requesting the removal of incorrect personal information from my credit file. Upon reviewing my credit report, I found several addresses, phone numbers, and employers that are not associated with me and should be deleted immediately. Please ensure the following updates are made : Addresses to Be Removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Phone Numbers to Be Removed XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX Employers to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX update my report accordingly and confirm these corrections in writing. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Request your assistance due to redlining activities by Bank of America ( BOA ). XXXX XXXX XXXX XXXX lives in a largely XXXX community of XXXX California, has been trying to change her XXXX mortgage accounts to her estate since 2019. My mother recently passed away so I have been trying to do the same with BOA as her trustee with no avail. I have provided legal documentation that I am the trustee and the accounts have to be moved to the estate. I have received the same run around as my mother did and that BOA keeps losing the paperwork on numerous occasions. I believe BOA was hoping to take her properties away without notice and has been discriminatory in their actions.
Product: Credit reporting or other personal consumer reports

The company is XXXX XXXX XXXX XXXX They charged off the debt and refuse to give me a " 1099 c '' so I can do my taxes. 
I sent a formal letter to remove all inaccurate information and for the 1099 c I've disputed with the 3 credit agencies multiple times and cited 15 USC 1681i and 15 USC 1681b These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

This has costed me more than {$600000.00} in losses.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding ongoing inaccuracies, misleading information, and unlawful reporting practices on my credit reports. Despite my repeated attempts to dispute these issues through the proper channels, the credit bureaus and furnishers continue to act in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Compliance Standards. 

The following issues persist : XXXX XXXX XXXX : Reporting as Charge-Off ( CO ) indefinitely, preventing the statute of limitations from starting. 
XXXX XXXX : Reported without my permission or proper authorization, violating FCRA rules requiring permissible purpose. 
XXXX XXXX : Duplicate entries across credit bureaus, harming my XXXX XXXX unfairly. 
XXXX XXXX XXXX : Reported without validation of the debt or written consent to report it. 
XXXX XXXX Solutions : Reporting inconsistently across the credit bureaus, violating accuracy and XXXX XXXX compliance. 

Additionally, the XXXX system has been used to unlawfully verify these inaccuracies without proper investigation. Despite my cease-and-desist letters and prior disputes, these items remain on my reports unlawfully. 

I am requesting the CFPB to enforce compliance with the FCRA, XXXX XXXX guidelines, and consumer protection laws. I ask for a full investigation and resolution of these issues, as they have negatively impacted my financial standing.
Product: Credit card or prepaid card

In XXXX of XXXX I filed a dispute for several charges on my XXXX debit card and was auto denied due to the Auto dispute resolution data and was reconsidered in XXXX of XXXX. I sent police report and have yet to receive any updates from the bank
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

XXXX XXXX XXXX account reported a late payment back on XXXX. This issue already got fixed by the store but only for XXXX. Please check your records and find this complaint in which you find an error and apologized for the late payment being reported. You stoped reporting this late payment only for XXXX but XXXX and XXXX still reporting it. Please update your XXXX ( XXXX XXXX XXXX )
Product: Credit card

I was sent a credit card by Capitol One, that I did not apply for. They also checked my credit without my approval. I attempted to call Capitol One and they would not take action without me providing even more personal information to them. I want the account closed, my info removed, and the credit check removed.
Product: Credit card or prepaid card

I told XXXX XXXX XXXX to close my account because they dont credit my account for charge backs told me i was late in more than 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offer them XXXX dollars and they closed my checking which they stole over the years thousands of dollars and they said it was voluntary i finally told them I am type XXXX austim which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX XXXX XXXX am asking Transunion XXXX and XXXX the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX from my credit report files ask XXXX XXXX to close account because they refused to give me any type of credit and make unsecured