23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have an account with Kickoff bank which I realized is a BIG mistake. First, on XX/XX/XXXX, I realized that someone made 5 unauthorized charges on my account. It is very hard to find a number to call, they do not advertise a number. I finally got a number and got through to a woman with very broken English named XXXX who refused to help. I repeatedly asked for a supervisor and XXXX said numerous times that we dont have any supervisors. That is the most UNPROFESSIONAL AND UPSETTING RESPONSE BECAUSE MY CARD WAS STOLEN. The charges are as follows : XXXX XXXX : {$1.00} XXXX XXXX XXXX XXXX XXXX : {$19.00} XXXX XXXX ( 2nd charge ) {$19.00} XXXX XXXX : {$10.00} As Im typing this, someone continues to try and use my card. What is upsetting is XXXX refusal to help. Someone is trying to drain my account and I got ABSOLUTELY NO HELP FROM XXXX, nor would she allow someone else to help me. I want my funds back and I want this done IMMEDIATELY. I do not appreciate speaking to someone who barely speaks English and yet refuses to help me. My card number must have been stolen and she refused ANY HELP. Any further damage to my account is because of XXXX. She should be fired. You should have help for your consumers that are seeing fraudulent charges.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. 

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can not be furnished without written instructions, any violation of these provisions constitutes a breach of my rights. 

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly. 

XXXX XXXX - XXXX XXXX XXXX
Product: Vehicle loan or lease

I called in around XXXX XXXX  - lady that picked up I had to explain twice in XXXX because apparently whoever is hiring people hires people who don't speak XXXX very well causing customer time and frustration to be wasted. 

Needless to say I wanted to make a payment on my car note due XX/XX/year> - I asked to provide my bank info to make a payment on the car and then asked to speak with a supervisor she said there was no supervisor until Monday I said they shouldn't be answering phones if there is no supervisor available. needless to say I requested a complaint be filed on my behalf because she refused to assist with the payment and when I asked for the complaint to be filed she said no problem she would do that put me on hold and then never came back. The hold music stopped after holding around XXXX minutes in.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB - I've reached out to the creditor XXXX requesting a copy of the 1099c form filed for the charged-off " Account XXXX ''. Attach you will find the certified letter mailed to XXXX requesting this document to provide to my CPA - as well as 2 phone calls made to the creditor requesting that they send this information over. I've have yet to receive the 1099c form. 

Because XXXX have not sent over the 1099c form as requested on three different occasions, I've come to the conclusion XXXX has/is committing " Tax Fraud XXXX and I plan to report this issue to the IRS if this account is not removed from my consumer report within 5 business days. 

This account is a charge-off which is cancelled debt and because this a cancelled debt the creditor " HAD '' to file a 1099c form. Because a charge-off is cancelled debt this means this account is classified as taxable income- which taxable income should not be reported on my consumer report.

According to 15 us code 1681 a 1 The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

This is " '' Inaccurate '' reporting and im requesting a deletion of this account from my consumer report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX child support, # XXXX child support, 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.
Product: Credit card or prepaid card

I have an American Express Serve prepaid card. I have direct deposits made on a regular basis. Four recent deposits have failed to show up on my balance even after the payment was processed by the issuer. I called their customer service number, but the call was not picked up after being on hold for over thirty minutes. 
I found out from XXXX and other social media that thousands of people have been waiting for direct deposits from this and the Bluebird card ( also issued by Amex in conjunction with XXXX  ). I am broke and desperate for answers.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXXL XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to Equifax, XXXX XXXX XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to Equifax, XXXX XXXX XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the XXXX Credit Card. 


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

This is the several times I've complained about being a victim of identity theft. You must remove/block any information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account in question is XXXX XXXX XXXX XXXX XXXX. Can't verify the account with half of an account number and this account has been disputed more than once for inaccurate information. 
This item was removed from my credit report between the dates of XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX then reinserted within those same dates without proper written notification within 5 business days to me as cited 15 U.S.C. 1681. This was disputed on XX/XX/XXXX. 

Again, I disputed for inaccurate information on XX/XX/XXXX, and the incompleteness of the account. Also, the re-aging of the account from the inaccurate updates as a response to prior disputes. This is due to the closing of the account and marked as charge since XX/XX/XXXX. Then from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX there was no information to report. It then popped up as a new account in XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and started reporting as if it was an active account. This is also in violation of my consumer rights under 15 U.S.C. 1681, hence why I can not let this continue to violate my rights and negatively impact my credit report which is detrimental to my livelihood. 

Finally, there are many different variations of my personal information which is also misleading to creditors when checking my credit worthiness, I am seeking credit. This has to stop as I have been taken advantage of for too long.
Product: Mortgage

I was served a delinquent tax notice by XXXX County, Delaware dated XX/XX/19 for unpaid taxes to the county that were due on XX/XX/19. PennyMac Loan Services , LLC is responsible for making this payment along with the City of XXXX, DE tax payments from my escrow account in a timely manner. I confirmed that this was the case by calling the XXXX County Collections Division as soon as I received the notice. I also called The City of XXXX to see if PennyMac paid taxes owed to them and the accountant confirmed that PennyMac had not paid the city taxes and that the payment was overdue, also. Starting XX/XX/19 I began making weekly ( at least ) calls to PennyMac with the last call being made today ( XX/XX/19 ). I have explained the issue every time I call to the customer representatives, and yet, the issue has still not been resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 

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

I need someone to look into this matter immediately. Experian closed my last dispute with CFPB under case ID XXXX In regard to account # XXXX from the company XXXX XXXX XXXX in the amount of {$470.00} that was illegally re-inserted back onto my credit report with Experian . 

Whomever the representative with Experian that viewed this before claimed " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you '' Two Days ago ( XX/XX/XXXX) I called and had everything verified over the phone with a representative showing that I am disputing this information and it has been illegally placed on my credit report. 

Furthermore, XXXX  has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Experian to do the same. 
Additionally, XXXX  has also deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX  took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC IDENTITY THEFT REPORT Attached Equifax is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

I have a Fradulent Account on my Credit Report that must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX - Fraudulent ACCOUNTS below XXXX XXXX XXXX XXXX ( ORIGINAL XXXX XXXX XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX account in 2011. They sent me letters saying they will garnish my wages and im being sued. I have sent out letters to dispute account
Product: Credit reporting, credit repair services, or other personal consumer reports

Exter finance account number # XXXX is claiming 4 late payments on credit report
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). 
Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
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 XXXX XXXX XXXX XXXX, account name : XXXX XXXX XXXX XXXX, and account name : XXXX XXXX # XXXX, had 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 : Or also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason # 1 : The tradeline is not reporting on XXXX  credit report. 
Per FCRA accounts must report accurately or they must be removed immediately. This is an inconsistency. XXXX  deleted the tradeline back in XX/XX/2020. I have documentation as well. 

Reason # 2 : The original lender verified the account was purchased by XXXX XXXX XXXX, XXXX ( XXXX ). XXXX investigated and closed the account. As well as sent the credit agency 's documentation back in XX/XX/2020 to delete the account. I've sent in documentation from the original creditor and XXXX  to show proof as well. The tradeline is still presenting on my credit report. The credit bureau is refusing to delete the tradeline. This was over a year ago.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX