23daVinci/CFPB_Complaints huggingface dataset:
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 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. XXXX ) 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

I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), specifically referencing section 602 ( a ), which emphasizes the need for consumer reporting agencies to handle responsibilities with fairness, impartiality, and respect for consumer privacy. As such, agencies like Equifax and XXXX must adhere to these principles. 

Delete these accounts immediately XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also any inquiries not connected to open account Further, per 15 USC 6801, financial institutions have an explicit duty to respect customer privacy and safeguard their nonpublic personal information. This act defines any entity furnishing information to credit agencies as a financial institution, thus including ( Furnisher of Information to Credit Agencies ) under this definition. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only share consumer reports with explicit written consent from the consumer, which neither Equifax, XXXX, nor ( Furnisher of Information to Credit Agencies ) have obtained from me. Therefore, I am formally revoking any form of consent previously granted, whether explicitly or implicitly. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose personal information without informing the consumer of their right to opt out, which ( Furnisher of Information to Credit Agencies ) failed to do. Additionally, 15 USC 1681C ( a ) ( 5 ) restricts reporting adverse items without permission, and 15 USC 1681s-2 ( A ) ( 1 ) and 15 USC 1681e demand accuracy and reasonable procedures from reporting agencies, which have been disregarded in my case.

Lastly, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services entirely. I expect Equifax, XXXX, and ( Furnisher of Information to Credit Agencies ) to comply with these statutory requirements and cease all reporting and sharing of my personal information immediately.
Product: Money transfer, virtual currency, or money service

When zelle started several times money was sent from my account to the wrong people and the money was never returned. Atleast XXXX $
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/year> a letter was sent to transunion disputing some information reporting to my credit that is not accurate. I was advised that a payment was late for this creditor and have not been advised the outcome of my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Account XXXX XXXX and Account XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 

15 U.S.C 1681 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has obsolete and inaccurate information on my credit report such as Last verified Date of last account activity Late payment XX/XX/year>
Product: Mortgage

We have recently applied for a mortgage with Navy Federal Credit Union, approximately one month ago. In the very beginning we sent the loan processor our paystubbs and she was aware of our employment status ( my husband W2 and myself 1099 ). She then forwarded our information to the underwriter who which had our file for more than a week before notifying us that we were not approved due to me being a XXXX XXXX  They have known that I work XXXX  for one month prior to them deciding that they were not going to approve us for our loan. They advised us to pay for the appraisal during this process, so we did and it was performed ( prior to them giving us an approval and already being aware of our employment status ), so now we are out money for the appraisal. We have had multiple loans with NFCU in the past, never missed any payments, and my husband and I both have strong work histories. I believe they are in the wrong to not only deny us for a mortgage loan, but also have us pay for an appraisal prior to them even looking at our file to see if we even qualify before we paid out money to appraise a property we would never have a chance to own. I believe their mortgage loan processing practices are not ethical and I would like for someone to look into this for me. We have lost much time, money and heart over this past six weeks.
Product: Credit reporting or other personal consumer reports

I accept all amounts due and would like credits released to settle amounts due as to bring me back in honor
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed letters to the credit bureaus XX/XX/23, along with an ftc report as i was a victim identity theft. The credit bureaus XXXX, XXXX, Experian have ignored my complaints.And i have sent out another set of letters reguarding this inaccurate information. 

*Creditor : XXXXXXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX, Account : XXXX *Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ), Account : XXXX *Creditor : XXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX
Product: Credit reporting or other personal consumer reports

Breach in personal information and old debts on my information is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX XXXX from XX/XX/2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with XXXX, XXXX  and Experian but they did not remove it. ( i believe XXXX   first removed it but then it reappeared on my credit report. )
Product: Vehicle loan or lease

on the XXXX of XXXX, 2024, We requested XXXX XXXX  to pursue an auto loan with XXXX, XXXX XXXX, or XXXX. However, they instead applied to Global Lending Services. Upon discovering this, we promptly notified both Global Lending and XXXX XXXX  within XXXX hours to discontinue the loan process and instructed XXXX XXXX not to make any further applications on our behalf. The loan application was subsequently declined and closed, with Global Lending confirming the decline and closure of the loan application and offering their apologies in writing. 

In XXXX, we were taken aback to receive an invoice from Global Lending for a new loan, with a new loan account purportedly established on XX/XX/year>, while I was abroad. Global Lending claimed to have spoken with someone from XXXX XXXX  who identified as my husband, which is inaccurate. We believe that our personal information has been compromised and that XXXX XXXX conspired with Global Lending to fraudulently create this loan in our name, as we have never discussed any loan details with Global Lending at any time.
Product: Mortgage

First I should not have been on the plan to make payments via XXXX   XXXX. The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process on my fha loan. So I set up a promise to pay on both of my loans approximately XX/XX/19 to figure out what was needed on my accounts, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to XXXX  XXXX  my payments, this was an immediate posting process according to Carrington, and for a couple of payments it was. So with their actions another payment needed to be made due to error in the reporting process at Carrington mortgage, I had to make another payment via XXXX  XXXX   ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit. The Post marks on the receipt should be the determining factor. If i had mailed the payment and it was post mark the XXXX, Carringtons practice is to use the post mark date as I have been instructed by Carrington mortgage services.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Good day i just want to start off with transunion credit reporting agency. 
as I follow my statistics on my report, when I have a balance on a account my score drops XXXX t0 XXXX points, and when paid it only goes up a few points Problem >?? 

The same goes on with a credit check on adverse action from a company XXXX XXXX XXXX XXXX  statingunsecured debt ratio too high value of collateral too high, unsecured debt too high a little discrimination I fell here. I have no adverse accounts. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacting you guys regarding regarding my credit reports and scores. I have not had any access to my credit reports or scores with Experian and XXXX since XX/XX/2023. I have contact both companies and have done all the protocols they have ask of me and nothing has been updated with my scores. Experian I have talk to them numerous times just call them again today actually they told me my credit score is XXXX but Im not able to see the score so I ask them to mailed or emailed it to me. They wasnt able to do that due to something being wrong with the membership I need this to be fix immediately its very frustrating to not be able to see my credit report and scores So this is why Im file a compliant and hopefully you guys can fix this issue immediately.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 of information from the file of the consumer, or modify that item of 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 file of the consumer. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, section XXXX 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.PLEASE DELETE IMMEDIATELY
Product: Student loan

A student loan was took out using my information. I have tried to get information from the creditor, however they can not validate this account Because its not under my SSN. I was deployed when this happened and the credit bureaus still have not updated my credit report. I have provided XXXX and XXXX  documents ( police report and FTC report ) to support my claim an they have yet to update my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved back from XXXX XXXX XXXX to XXXX and when shipping boxes one of them was stolen through USPS. I'm still trying to get in contact but they refuse to cooperate and the box that was stolen had my social security card in there. I was trying to look for apartments and can't get approved because I saw that there's a lot of debt that is not mine.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get correctedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I guess the sales person was so positive in getting me to take the loan, I ignorantly did n't read the fine print of the XXXX. Of course they told me they were moving to these things called " Flex Loans '' due to possible future legislation over payday loans. Well having XXXX ( I have XXXX XXXX insurance policies that are about good for nothing I 've learned ), I needed money fast because many dentists now expect payment up front and will send you any insurance reimbursements that come through after the work is done. 

I 'm a somewhat typical American living on {$23000.00} a year at age XXXX after a XXXX put me out of a XXXX a year job for 9 years and now nobody wants someone that long out of work and at my now obvious age. 

Anyway, I took the loan to help pay for the dental repair, but by the XXXX statement, I was in for a shock. This company, CashNetUSA sends a monthly statement, wherein, for example, the statement last month showed the principle owed on this {$800.00} loan was NOT listed ( except as a total so far for all payments made ), the interest due for this month was listed as {$13.00} ( HOW do they arrive at that when also claiming on this statement the annual interest rate is 275.85 % ), and then there is the monthly ( what they call ) " loan fee '' which for the month in question amounted to an additional {$140.00}. What in the world is a " loan fee? '' Just a fancy name for the rest of the interest they charge? 

The total monthly amount due was {$190.00}. Now this " loan fee '' thing is indeed a monthly charge. What exactly is it? Also, it seems the more I try to pay off what I owe, the deeper in the hole ( a little at a time ) I seem to be getting. 

What is this " wonderful '' new alternatative to payday loans except a way to avoid upcoming legislation regarding the way pay day loans loach people deeper and deeper into poverty, AND a new trick loan idea for the seriously underpaid of the " new economy. '' You know, the one where if we pay the super rich more, they 'll turn around and " share the wealth '' with us. Ever known a Republican willing to " share the wealth? '' Me either. 

Is what they are doing legal? Is the way they are doing it legal? This " Flex Loan '' thing seems to be growing like a cancer but on my wages, with my bill and family responsibilities, get a standard consumer loan? Forget it. 

Thanks for any help
Product: Checking or savings account

My bank has informed me that there is negative information reported by FIFTH THIRD Bank included in the file XXXX maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a " OVERDRAFTS '' in XX/XX/XXXX. I do not recall having an account from this bank in XXXX. Please validate this information with FIFTH THIRD Bank and provide me with copies of any documentation associated with this " checking account '' bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I've since received notice that my investigation was closed with all accounts verified from ONLY Experian, but didn't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that Experian has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EXPERIAN IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER CREDIT BUREAUS.
Product: Debt collection

I have been frequently called regarding a debt address to an individual by the name of XXXX XXXX over the last several months starting in XXXX. I have called back several times to disclose to Valentine & Kebartas that I am not the individual whom they are calling about. They often use spoofed local numbers to bypass my scam call detector from XXXX. The frequency which they call me is every two weeks on Monday. To date they have not removed my number despite my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my credit report. The credit report showed a credit inquires that I did not authorize as shown listed below. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file as it was not done by me and is fraudulent. 
I have sent this letter certified mail also because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. According to the F.C.R.A. Legally these unverified and unauthorized items must be removed. 

Thanking you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX