23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below are many letters i sent ( Most Certified ) regarding inaccurate and unknown things on my credit report. To this day ( 2 months 17 days ) later I have not received a proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX. I am NOT a carpenter. I do NOT own a carpenters business. These XXXX and Midland cards are XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and Midland who said I XXXX to talk to XXXX and both those do not know who I am. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days AND put Disputed on my Dispute Status ( attaching credit report from XXXX showing Dispute Status : -- -- Account not disputed listed on all 3 Midland account, XXXX account & XXXX XXXX XXXX : removed from XXXX & XXXX already ) gives reason to remove these items from my credit report. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all 3 Bureau 's data breach and may have gotten into the hands of the wrong person. 
I have sent a Validation certified letter to XXXX and Midland. All i got back was a BILL saying I owe this and that. Per the FCRA they to present the Original Contract with MY Wet Signature and they did not ( also being attached ). This is why I know the Bureau 's have not validated anything because the Creditors could not validate anything to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Falsifying information on my report : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has attempted to bill me for viewing my credit score
Product: Mortgage

We received a letter, which looks very official stating numbers and file IDs, but it's actually just an ad to push us to contact this company and refinance. The top of the document looks like a Tax letter, the middle states all our home information, and the request to call us seems urgent as it states several times throughout the document.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are all collectively consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isnt shared which is backed by 15 USC 6801 which clearly states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. AMERICAN EXPRESS, XXXX XXXX XXXX  XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 6801 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. AMERICAN EXPRESS, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX the financial institutions and the consumer reporting agencies XXXX, XXXX And XXXX do not have my consent to furnish this information and they surely do not have my written consent. This is notice that any and all consent to XXXX, XXXX, XXXX, American Express, XXXX  XXXX XXXX, & XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise the NONDISCLOSURE option. AMERICAN EXPRESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. These accounts are adverse items they are reporting again, without my permission which is against the law. 15 USC U.S. Code 1681s-2 ( A ) ( 1 ) A states 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. 15 USC 1681 e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I AM OPTING OUT OF YOUR REPORTING SERVICES IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to kohls because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that kohls had taken out three payments due to a glitch while paying on line! I called Kohls immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX
Product: Student loan

Hello, I was attending XXXX XXXX I enrolled XX/XX/2016 with an expected graduation date of XX/XX/2016, the school closed on XX/XX/2016 and was bought by XXXX University, Neither school is accredited like they previously stated, the credits are not transferable, they had students take out loans under false pretenses, I stopped attending and logging in when the school closed, they sent me an e-mail stating that i was terminated from the program for non participating then a few weeks later they sent an e-mail asking me to name their school on my student aide paperwork so they can continue receiving money. I have attached the e-mails they sent. I feel i should not be held liable for the total loan balance i took out seeing how the school lied about being accredited, the credits are not transferable and the school closed before program completion. XXXX has also been reporting false information to the department of education such as student status and attendance
Product: Credit card

I checked my credit report and saw an unauthorized credit card in my name was opened with Continental Finance.
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. 

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 XXXXXXXX, 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: Credit card or prepaid card

Unauthorized balance transfer on XX/XX/XXXX of {$9300.00} plus fees of {$460.00} for the unauthorized transfer. XXXX plus months in attempts to resolve. Now there are late fees and interest of another approx {$500.00}. as of XX/XX/XXXX. Also, some real charges of {$5000.00} by me that I have offered to pay should the resolve the matter. XXXX plus hours on the phone with both their fraud department and the dispute department have brought the promise that a XXXX will call me back. As of XX/XX/XXXX ( today ) no call to resolve matter.wr are past 100 days and I see XXXX 's as a predator. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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.

1. Validate Account XXXX XXXX XXXX Account Number : XXXX I don't have knowledge on this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX I don't have knowledge on this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 3. Validate Account XXXX XXXX Account Number : XXXX I don't have knowledge on this account and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 4. This address is not mine. I never lived here. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. This address is not mine. I never lived here. 
XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for and was approved for a Synchrony Bank XXXX XXXX branded credit card on XX/XX/XXXX under the then promotion for XXXX XXXX Miles after a {$2000.00} spend in 90 days, and then an additional XXXX XXXX Miles after an additional {$3000.00} spend within the first 6 months of account opening. I completed the {$2000.00} spend in 90 days and received the XXXX XXXX Miles. I also completed the additional {$3000.00} spend by XX/XX/XXXX, which is about 5 months after opening the card. I never received the promotional XXXX bonus. 

I contacted XXXX Miles and XXXX XXXX, who said I would have to contact Synchrony Bank. I contacted Synchrony Bank on XX/XX/XXXX via their credit card website login message center and reported the above. They proceeded to send me multiple pieces of mail over the next few weeks stating they were looking into it, but I never received any results or the missing miles. I also emailed their general customer service XX/XX/XXXX, but never received a response. 

I have copies of all correspondence from my end, as well as the original promotional email that prompted me to sign up for this credit card.
Product: Debt collection

This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax 's data breach. I am trying to freeze my credit but Equifax can not process my freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not allow me to get my credit report. They have invalid information in the report. They ask me identifying questions and when I answer them correctly they tell me theyre unable to verify my identity because I answered the questions incorrectly. They have my name listed incorrectly as well. One question they asked me is my last two employers. They have me listed as working at XXXX. Im a XXXX at my current employer of 16 years. The second question they said I answered incorrectly is my mortgage company, XXXX XXXX. Well, I pay it every month and have for five years. Help me, please.
Product: Vehicle loan or lease

I was approved for a loan in XXXX  and initially paid {$3000.00} up front, which was never applied to my account. Since then have been making payments monthly of {$370.00}. I have an overdue balance that is incorrect and I have contacted Ally financial bank to request a payoff amount. I was told to call and since then I have been blacklisted. Agents will not assist me after looking up my account information, if I am able to get someone on the phone.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX credit report.Transworld Systems, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I WAS CHECKING MY CREDIT REPORT AND I AM I UNWARE OF THESE DEBTS FROM THIS COLLECTION AGENCY. I DO HEREBY REQUEST THAT THIS OFFICE PROVIDE ME WITH COMPLETE DOCUMENTATION TO VERIFY THAT I OWE THE SAID DEBT AND HAVE ANY LEGAL OBLIGATION TO PAY THIS DEBT TO ERC. Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed ERC {$410.00} OPENED XXXX XXXX, XXXX ERC {$350.00} OPENED XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called someone on  XXXX  and  XXXX  requesting the extended fraud alert he removed. This alert is preventing me from purchasing a car. I was told on  XXXX  that it would be  24 hours and t he alert would be removed. I called   XXXX   and the alert is still there
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax not providing me with my credit report. I have filed a dispute with them and they in return provided me with a dispute confirmation number. I am still unable to access my report even with their provided confirmation number. I enter in the confirmation number and all my personal information like SS # name address phone number then they start asking questions about accounts and loans that have nothing to do with me and in the end say they can't confirm my identity. If they have all this info and say they can't confirm my identity, then they are falsely representing who I am and my account activity if they can't verify who I am. So what I'm saying is their information is so erroneous they can't verify who I am then they can't accurately report my credit but because they won't give me access to my report I can't properly dispute the bad information they have in my file. According to FCRA they have to verify all information and remove any incorrect, incomplete or false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail on XX/XX/21 stating that I applied for a XXXX XXXX credit card and was declined. I did not apply for this credit card ; this is fraud. I would like this credit card inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to request the immediate removal of a XXXX XXXX XXXX account with a {$1100.00} balance from my credit report. I disputed this account with XXXX, and after completing their investigation on XX/XX/2025, the account was deleted from my XXXX credit report. This action indicates that the account is unverifiable, and as such, your agency is now legally required to delete it under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that the information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified, it is your duty to remove it from my credit file. 

Additionally, FCRA 609 and 611 state that unverifiable accounts must be deleted within 30 days of a dispute. I request that your agency conduct its investigation promptly and remove this account from my credit report within this legally mandated timeframe. 

Failure to comply with this request could lead to legal consequences. FCRA 616 and 617 provide consumers the right to seek damages and take legal action against credit reporting agencies that fail to meet their obligations under the law. Any delay in removing this unverifiable account could expose your agency to liability. 

For your reference, I have included a copy of my XXXX credit report showing that this account has been deleted. Please provide written confirmation once the account has been removed from my credit file. Should you determine that the account is valid, I request that you provide sufficient documentation verifying its accuracy. 

If this account is not removed within 30 days, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX pursue further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

The company did not credit my account a {$300.00} bonus that was promised on XX/XX/XXXX. My funds were in the account and I followed the directions the banker gave me and upheld the minimum balance requirement within the deadline. I was told that I would not receive the bonus despite the fact that I met the account requirements. 

This is behavior is unethical and appears to be a retaliation from the bank because of my recent interactions with CitiBank and my XXXX CitBank credit card.
Product: Credit reporting or other personal consumer reports

Ive Ask XXXX, XXXX and Equifax to delete all my old addresses and phone # and to update my information and they didnt 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