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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I AM DEMANDING THAT SAGESTREAM AND LEXIS NEXIS AND INNOVIS REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and XXXX my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense XXXX for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting

I see in my report that an address that I have never lived and that the company XXXX has me in collections. I have never opened an account with them I have called the company and they have forwarded me to a collection agency. I keep on telling them that they charging the wronge person but they have not done anything. The address that shows up in my report as XXXX Ny. I have no clue of that address because I have never lived there nor have any clue of that place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 account without my written instructions. I have never own such account listed on my report as 90 days late XX/XX/2015, XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Checking or savings account

Hello I have had an issue where my wallets is lost or stolen and my cards was used without my knowledge to purchase items at an XXXX XXXX. I really dont understand how someone can use my actually card with the pin. I talk this situation with Robinhood and nothing was done about this transaction issue. This is unauthorized transaction and this is a very urgent matter I need my hard earn money. There was XXXX XXXX  transactions in the amount of {$1900.00} also in the amount {$2600.00} and last unauthorized transactions are {$2900.00} from Robinhood
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. XXXX XXXX XXXX XXXXXXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX The results of the requested investigation did not produce the documentation or provide an updated report ... ..therefore they ... XXXX XXXX  have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit card

I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 's 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. 

XXXX XXXX of {$3400.00} Opened XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One customer service rep who I spoke with on XX/XX/XXXX lied to me over the phone. I spoke with this customer service rep over the phone for about 15 to 20 minutes maybe even longer. She advised me that my credit card was still active. She told me over the phone that if I made the credit card payment of {$110.00} that it would push my credit card out 60 days and it would be active for 60 more days. She also put me on hold for a while and then came back to me over the phone with a new payment arrangement. She told me the payment arrangement was that they will not add anymore interest to my credit card until I pay my deliquent balance. I was in a car accident and had serious injuries so I missed one of my payments a few months ago and that's why I had called them to let them know that I would like to make a payment. I made the payment and she said my card was good and would remain active. Unbeknownst to me she lied and charged my card off! And, I have called several times and they stated they would research it and then they told me an employee listened to the conversation that I had with the woman and the woman told me your card is going to be charged off when that is a flat lie!!! A bold face lie!! The woman never said charge off. She said my credit card would remain active for 60 more days from the day I made the payment on XX/XX/XXXX. And, Capital One will not reserve this charge off even though it is a complete lie. I could not believe that someone would just lie and state they heard her say that when she did not. I need help!! I need for Capital One to be honest and turn my card back on and correct all 3 of my credit reports. I need for them to correct this mistake they have made. Please help me!!
Product: Mortgage

My loan was transferred to Shellpoint XXXX. I am a XXXX XXXX and understand they have 60-days to onboard new loans. They sent me XXXX conflicting bills. XXXX for {$240.00} and XXXX for {$1000.00}, both due XXXX. I paid BOTH on XX/XX/XXXX. As of today XX/XX/XXXX, they still have not applied all of my payment amounts to my principal. They applied the {$240.00} to the required payment. On XX/XX/XXXX, they applied {$810.00} to principal, but not as of XX/XX/XXXX. AND XXXX XXXX, but the other {$240.00} paid has not been applied AND they are not applying as of the date paid. I spoke to XXXX at Shellpoint today, she opened a second ticket- task XXXX ( my first request was marked resolved but it was not ). She explained " I do not advise you to make payments for than your payment due because our system doesn't know what to do with it. It will either apply to all interest, principle OR unapplied, which sits there until ( the borrower ) calls in. '' OR she explained when the next payment is due, it may take that from unapplied. WHAT? Their entire job is to collect and apply payments. How can the " system not know what to do ''? She told me if I want to make additional principal payments, I should make them separately. 

While I appreciate the advise, this timeline and the explanation and efforts are unacceptable. To compound matters, my best-friend who is also CA Real Estate licensed is helping her elderly Dad ( XXXX XXXX XXXX XXXX with Shellpoint ( XXXX ) on his HELOC over crediting his payments. So I am aware this is not just happening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my previous letter to XXXX and Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to XXXX and Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, XXXX and Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that XXXX and Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge XXXX to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT XXXX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I've been paying this mortgage since 2004 my principal balance is not went down I started out with option one and The Man Who Sold me the house and the underwriter went to federal prison for fraud by real estate. I have received a hemat loan and alone modification with balloon payments and my principal balance keeps going up like I've never made a payment they have transferred my mortgage to five different sister companies they have broken the Fair Debt credit Act by stating that I was in foreclosure and was only 15 days late they have accessed me NSF FEES and late fees which were from XXXX XXXX where I did have enough money in my account but due to the overdraft fees in regards to my online banking which made me short but was maybe {$2.00} sometimes {$12.00} short and XXXX XXXX accept me overdraft fees which made me over drafted and is currently in a class civil action suit which I am in today I want the predatory lending to stop on NSF fees and late fees taken off and my principal balance the show all the money that I paid over the years I have documentation
Product: Credit reporting or other personal consumer reports

I am writing to you once again to address the ongoing issue of fraudulent items on my accounts. Despite numerous attempts to rectify this matter, the fraudulent items remain unresolved, causing continued frustration and concern. 

This marks the fifteenth round of complaints I have lodged regarding these fraudulent items. Each time, I have provided detailed documentation and evidence to support my case, yet there has been no meaningful progress towards their removal. 

I demand urgent action to remove these fraudulent items from my records/accounts. I expect a thorough investigation into the origin of these items and a transparent process for their removal. Additionally, I insist on compensation for the distress and inconvenience caused by the prolonged existence of these fraudulent entries. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX input the wrong information its out dated wrong address and reported incorrect information and did so with out my consent and I was not approved for an home because of these actions
Product: Debt collection

I have file numerous compliant about this company trying to collect a debt that not owned to them or XXXX.I had cancel XXXX back in XX/XX/2012 the by fill out there form and submit by email and fax.I later received a letter from perfection collection claiming that they brought the debt from vivint and I now own them. I ask them to show proof that I own them the debt.They send me a bill from XXXX. I explain to perfection collection if you have a signor document showing that I agree to pay you for service I don't owe you anything.they then report it on my credit report.I have send numerous letter to the bureaus and perfection collection to have this removed.
Product: Debt collection

This company PHOENIX FINANCIAL SERVIC doesnt have any information about me social security number, date of birth, they not even have my name, they trying to collect money from someone named XXXX XXXX and thats not my name, this is a hospital bill and I never was in any hospital never in my life, never used any medical service and I never was sick of anything, so I dont know who this people are, they dont have any information about me and I never sign any paper, I dont know who they are, they keep reporting to the credit report that I have a debt but thats false information I am the wrong person, I called them and dispute the account many times and I get the account erased but they keep reporting and the last time equifax and transunion erased the false info but XXXX did not And now I am frustrated
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion and XXXX for inaccuracies in the reporting of my XXXX XXXX account ( Account # XXXX ). The payment history and other account details on my credit report contain several inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The payment history for TransUnion reflects consistent 120-day late payments from XX/XX/XXXX to XX/XX/XXXX, which is impossible given the account was charged off as of XX/XX/XXXX. XXXX reflects payments that transitioned from 120 days late in XX/XX/XXXX to 60 days late in XX/XX/XXXX. This regression of lateness is illogical and inaccurate. The account is marked as " Charged Off as Bad Debt '' as of XX/XX/XXXX, yet TransUnion and XXXX report active delinquency afterward, which contradicts the account being written off. TransUnion lists the " Date Last Active '' as XX/XX/XXXX, while XXXX has XX/XX/XXXX. These dates should be consistent. The " Date of Last Payment '' is recorded as XX/XX/XXXX, which conflicts with the delinquent payment history reported in XXXX. XXXX has no reporting for this account, further highlighting a lack of uniformity across the credit bureaus. These reporting errors are not only misleading but are detrimental to my credit score. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and verifiable. The discrepancies in the payment history, account activity dates, and charge-off status demonstrate a failure to meet this standard.
Product: Debt collection

I had to take out a XXXX loan in XXXX for approx {$4500.00} due to house flooding. I paid on the loan until around XXXX. Until I suffered hardships. CBE group is now garnishing 15 % of my paycheck and demanding {$4300.00}.! 
Ive already paid out approx {$2500.00} since XX/XX/XXXX. I just want some relief. 
Thank you
Product: Debt collection

This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 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. 

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

UPON ME APPLYING FOR AUTO INSURANCE I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME