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 right 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 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 looked at my Equifax credit report on XX/XX/XXXX a

nd i noticed some things are incomplete and not accurate ; and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reletes according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer ; an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item from the file of the consumer, or modify that item of information that the information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the credit file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Retail Finance Credit Services LLC falsely reported written off debt to the IRS in the amount of {$9600.00} in my name and SSN. 
The IRS is now seeking to bill me over {$2000.00} in taxes as a result. 

I have never opened an account of any kind with them, Have never been contacted by them, and no debt appears on my credit record and history. 

I have reached out to them and was told by several representatives that they had no record of any account attributed to me. I need them to contact the IRS to correct the matter but have not been able to reach anyone in their organization who will help me.
Product: Credit reporting or other personal consumer reports

Experian will not dispute the information as they said it was verified called the creditor and it was not true the statement from the creditor states the account was venever reported fraudently ever to them I asked them to recent documents unfortunetley they will not do that anymore and they have placed a permanent internal lock on my account that is volating my rights they also sent me a letter stating that my dispute was made by error no error I want them to block all the information I am disputing and if the deny the need to provide accurate documents of verification of the debt I dispute the claim against me, asserting my rights under FCRA and TILA. Without written agreements, I question the validity 623 ( a ) ( 6 ) of the Fair Credit Reporting Act As a victim of identity theft, I request evidence to substantiate the claim.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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain credit.
Product: Bank account or service

I opened a checking account at Ally Bank and deposited some money. A few days later I was told that I needed to submit identification documents and that the bank would have to review the documents before having access to my account. I have periodically called to check on the status, and I have been asked to submit the documents again. I also asked whether they could instead close the account and send the funds back to me, as I had set up an account at another bank while Ally 's review was going on, but Ally would not do this. I also asked for bank statements so that I may report the earned interest for my taxes, but they would not provide these either. ( I estimated the earned interest. )
Product: Checking or savings account

I was scammed and harassed by this XXXX XXXX XXXX fell for a scam and signed an agreement to not contact the bank which I did later to find out they were advertising there services for free so thats false advertisement first of all and chase is not on my side with the dispute which they took the money out of my account for {$3000.00}.
Product: Debt collection

Debt collector try to collect on debt that do n't belong to me
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. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this information and remove it from my report if inaccurate.
Product: Checking or savings account

Ive deposited a check for XXXX XXXX  for XXXX dollars has XXXX available balance, used it then they took it off, spent 4 days looking for food in the garbage to eat it. 
Keybank let someone from the XXXX XXXX use my card for XXXX dollar + foreign fees, did not get any single fraud message while its international transaction, opened my claim and then denied it on the 10th business day to after that re opening it. 
I told them that im breaking apart numerous times but they didnt really seem to care. 

Im tired and these people have treated me the worse way you could imagine
Product: Checking or savings account

I followed the TD Banks instructions to close my account, emptied the account and called them. They are saying that they are locked out of my account on the phone, that I should send a secure message through the app. I did that. No answer for two weeks. I tried to go to a branch but they are appointment only. Their online queue system for appointments dropped me. Someone did call be about resolving my issue but then never followed up. I'm at a loss.
Product: Credit card

I requested a transfer of a balance from Capital One XXXX. The transfer went through on XXXX/XXXX/15 so I now have a $ XXXX balance on XXXX XXXX XXXX. However, the transfer has n't gone through yet on Capital One so I still have that balance on that card, too. Therefore, I am being charged finance charges on XXXX cards. Seems like a game the credit card companies play to make more money.
Product: Credit card or prepaid card

I am contacting you today because Citi Bank is reporting my account history on my credit report incorrectly. After applying for a home mortgage I took a look at a recent copy of my credit report and saw that Citi Bank is reporting that I was 30 days past due in the months of XX/XX/2014 and XX/XX/2014 which I know is inaccurate ( please see an attached screen shot of the account on my credit report ). I have been a card holder with Citi Bank for over 20 years with never a late payment on my account. I am requesting that Citi Bank removes the late payments reporting on this account for the months of XX/XX/XXXX and XX/XX/2014 from XXXX, XXXX, XXXX  and any other credit reporting agency they have reported this account.
Product: Mortgage

XX/XX/XXXX I lost my job. I was not able to find another job before my note was due in XX/XX/XXXX. XX/XX/XXXX came and went and still was not able to find a job. XX/XX/XXXX I was force to file chapter XXXX. At the time of filing Chapter XXXX I was due for XX/XX/XXXX through XX/XX/XXXX. My payments was XXXX due to the loan modification XX/XX/XXXX. My arrearage was {$1100.00} at the time of filing Chapter XXXX. The amount I paid to my prior and current servicer was {$9500.00}. In my proof of claim that was filed it stated I was {$1100.00} arrears ( included ). I want to know what is the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? In my loan modification that was complete XX/XX/XXXX page 2 parg. 3 B it states The modified principal balance of my note will include all amounts and arrearages that will be past due a of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, unpaid amounts ) less any amount paid to the lender but not previously credited to my Loan. With this being say anything that I was in the arrearage for prior to XX/XX/XXXX was modified. I want to know where was this money was applied? I want a break down of the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? I want a copy of there proof of claim. I will enclose the Loan modification, Chapter XXXX filing I have circle the arrears amount, letter fro XXXX that my loan was modifiedXX/XX/XXXX. Also a break down fee sheet from XXXX on my account from the prior modification to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Id appreciate it if you could update or correct these reporting accounts as soon as possible. If you dont comply with the request, the accounts should be repaired away
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Credit-builder Policy and Misrepresentation I am writing to formally dispute and express my concerns regarding the credit-builder policy outlined by Kikoff. After reviewing your policies, I have noted a significant lack of clarity and potential misrepresentation concerning the implications of late payments on a users XXXX XXXX. 
Your credit-builder policy states that while there are no interest, late fees, or annual fees, late payments can indeed harm a users XXXX XXXX. However, I believe that there is insufficient disclosure regarding the reporting of late payments to credit bureaus. It is misleading to promote a service as a " credit-builder '' when the consequences of late payments are not clearly presented, potentially leading customers to believe that they are improving their credit when, in fact, they may be jeopardizing it. 
The absence of explicit communication regarding the reporting of late payments raises concerns of fraudulent misrepresentation. Customers, including myself, rely on the understanding that using Kikoff 's services will build our credit profiles, not detract from them. Therefore, the lack of clarity in your policy could result in unintended damage to users ' credit ratings. 
I request a prompt response to this matter, including a clarification of your policies regarding late payment reporting and any measures you will take to rectify the ambiguity in your communications. 
Thank you for your attention to this important issue. I look forward to your prompt response.
Product: Vehicle loan or lease

For 4 months XXXX XXXX  stopped paying my loan hough landmark financial, neither party contacted me until 3.5 months later landmark called and asked why haven't you paid several months and the same rep knew it was XXXX  that was not paying and well aware that they were the ones to call not me. They said we folded several months payments on the back of your loan to protect your credit which they had me sign a form at their office. Both parties at this are liars I feel. XXXX said they now needed 20 yrs of employment history for an excuse to not pay, the rep said your good to go now As my XXXX XXXX  signed on XXXX  in XXXX, XXXX, & XXXX Now they say I'm on XXXX & have $ to Pay a complete lie which I'm not, to even stall further on paying putting my credit in jeopardy & a possible repo. XXXX XXXX XXXX XXXXXXXX XXXX & landmark is XXXX XXXX XXXX claim XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

f you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

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

XXXX XXXX XXXX XXXX # XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed Above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX 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, XXXX XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hi, Please see attached necessary information in order to show I have not applied for a loan or created any account under my name and personal information. My personal information has been stolen and loans have been applied in my name. I am not liable for the loan, and that this inquiry will be removed from my credit report. My DOB is XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I will not disclose XXXX via email but if that is required please call me at XXXX. 

XXXX XXXX included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/year> and XX/XX/year> XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX Police Report # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Police Report # XXXX
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am writing to express my deep concern and frustration with the unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple efforts to address this issue, the resolution process has proven to be challenging and unproductive. 

I discovered unauthorized and fraudulent transactions on my account, which has caused significant distress and inconvenience. Since then, I have been diligently working to rectify this matter by contacting your customer service department on [ dates of contact ]. Regrettably, each attempt to resolve the issue has been met with limited success. 

I understand that fraud-related matters require thorough investigation, and I appreciate your commitment to addressing such concerns. However, the lack of progress and effective communication has left me feeling dissatisfied and vulnerable. 

I kindly request the following actions to be taken promptly : A comprehensive and expedited investigation into the fraudulent items on my account. 
Clear and transparent communication about the steps being taken to address and rectify the fraudulent transactions. 
Timely removal of the fraudulent items and restoration of my account to its rightful state. 
I expect a resolution to this matter within the exact timeframe from the date of receipt of this letter. It is crucial that the necessary measures are taken to ensure the security of my account and to prevent any further unauthorized transactions. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company Netcredit has closed a complaint I have put in on XX/XX/2023 today, XX/XX/2023 stating I opened a loan and didn't reached out to them, which is a complete LIE!!! I have sent emails stating the police report number letting the company the it will be weeks before the report is generated. I am going to continue to send complaints until this resolved.
Product: Bank account or service

I had contacted Chase Bank to dispute a charge against a merchant, in this case a garage, XXXX in XXXX, NY, for services not provided to my vehicle. I had tried prior to this to work with the merchant who was not being agreeable. On XX/XX/XXXX, Chase XXXX a provisional credit of {$300.00} as they said they would conduct their investigation. 
On XX/XX/XXXX, I received a letter from chase stating that the {$300.00} " transaction was correct '' as originally billed by the merchant and " the funds [ relating to my dispute ] will be removed on XXXX/XXXX/XXXX. '' My concern with Chase 's investigation is I never had an issue with the transactions ; my issue was with services for repair not provided on my vehicle. On XX/XX/XXXX, I called Chase Bank 's customer service and spoke to a representative, who reviewed my case and said the reason I was not eligible for receiving funds was the original charges, I was disputing, were from XX/XX/XXXX and it had been past 120 days so I was not eligible for reimbursement. 
The reason this had taken so long is due to the back and forth in dealing with merchant who had not been forthcoming in coming to an agreement, my recourse was filing a dispute through Chase. The Chase representatives have not understood my dispute or taken into account my willingness to try to work out the dispute with the merchant and the weeks that went by to try and work out the situation with the merchant. 

I have used multiple payment methods, usage of my Chase debit card and my XXXX XXXX debit card to pay for the work on my car. XXXX XXXX ' final decision is still pending at the time of me writing this summary.