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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct. ending in XXXX Each disputed account the debt has been deem uncollectible. Each disputed account is past the statute of limitations. Each company has issued a form 1099c. There are court cases that have ruled it is unfair to continue to report to a credit report after these actions have taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( issuance of form 1099c after debt was written off is " XXXX XXXX evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact XXXX  acct. XXXX XXXX XXXX XXXX XXXX XXXX  was was deleted XX/XX/XXXX through CFPB complaint XXXX. Now I have discovered that the item has been reinserted on my credit report. 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 consumers 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 XXXX 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. 

*NO payment history reporting *No high balance reporting. 
Date of last activity reporting different for XXXX and Equifax Last payment reporting different for XXXX and Equifax. 

XXXX XXXX XXXX*** Payment history reporting inaccurate. No on time payments reporting. Missing data for XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 

XXXX acct ending in XXXX Ive submitted a tax fraud case online against XXXX bank with the IRS. Reference number XXXX. 

The acct is reporting inaccurate payment history. Many missing months of no reporting data. 

I hereby demand that you immediately delete these items from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX.
Product: Payday loan, title loan, or personal loan

I have already filed a complaint with XXXX regarding a loan made to my wife and I that was not what we asked for or was explained properly by a Truist rep. Truist has responded to the first complaint but referred me to the agreement we signed saying we could have changed from a variable rate to a fixed rate at any withdrawal. The problem is that reading that would not have meant anything to us because we told Truist that we wanted a fixed rate for the entire life of the loan. We firmly advised them we did not want any variable rates. As stated already we have never had variable rate loans, even with Truist. We were told since we picked the fixed rate there should not be any problem.

Because Truist took out more money than they should have, it caused other bills of ours to not get paid. When we discovered that we called the creditors to pay, everyone charged us a late fee.

So the Truist response does not address to the issue. If they could not guarantee that any part of our loan could be subject to a variable rate, they should have told us. They are taking XXXX responsibility. 
We were told we had a fixed rate. They lied or their rep was grossly negligent.
Product: Credit card or prepaid card

This is about BestBuy/ Citibank credit card. Here are the facts : 1. I made a purchase of {$2000.00} in XX/XX/XXXX that had 'no interest promotion ' for 18 months. The promotion ended in XX/XX/XXXX. 
2. In XX/XX/XXXX, I was charged {$1000.00} as deferred interest since the balance on 'no interest promotion ' was not paid in full. 
3. Between XX/XX/XXXX and XX/XX/XXXX, I made a total payment of {$4300.00} but these were not applied towards my 'no interest promotion ' but on my revolving credit. 
4. As a customer, I have right to decide whether my monthly payment should be applied toward revolving credit or free promotion. However, for some strange reasons, BestBuy/ Citibank website does not allow you to exercise this option online. 
5. As a result, being an online customer, I do not have this option to decide how my payment should be split and applied to what balance. The website also does not provide any information on how my monthly payment is going to be applied ( i.e. to what balance ). I think this is totally unfair and non-transparent way of conducting business. 
6. It is also worthwhile to mention that deferred interest is then applied to your regular balance and the customer then has to pay interest on deferred interest which is again completely unfair.
Product: Credit card or prepaid card

I made a payment to Bank of America for XXXX dollars after logging in on their website at : https : //billpay-ui.bankofamerica.com/imm/PaymentCenter/Index/8404. 
Bank of America says there is no such account, has received the money and says there is nothing they can do. Bank of America has committed fraud by placing a fake account to receive payments and the denying payment was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

My account is current and has been for the past 6 months, so I was trying to get the late payment off my credit report since I have been on time with my car payment.
Product: Credit card or prepaid card

I opened a XXXX charge account with Citibank in late XXXX. My XXXX statement showed that I had a {$1200.00} charge. They said that the charge had started out with Citi and had then been transferred to the XXXX  XXXX XXXX. Citi claimed that I had authorized the transfer when I opened my Citi account. 
I did no such thing. Besides, I had closed my XXXX  XXXX XXXX account. 
When I said I hadn't authorized the charge. Citi transferred the {$1200.00} charge back to them from the XXXX  XXXX XXXX. Citi still says I owe it to them, although they still won't say for what. 
I started this dispute with Citi in late XXXX. They turned it down on XX/XX/XXXX. Then I got sick, and wasn't able to pursue it. I sent them a letter yesterday, XXXX XXXX, 2020. This was my second letter. I never got an answer to the first one. 
I never charged anything worth {$1200.00} on my Citi card -- nothing. They have never told me what the charge is supposed to be for. They never proved that I had authorized a transfer of the charge to XXXX  XXXX XXXX, because I never did. Citi pulled this {$1200.00} charge out of thin air and won't discuss it with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Card Service has not obliged by 15 usc 6802. After contacting this company numerous of times to remove these items nothing has been done. I was never properly notified that this item would be reporting on my behalf nor have I ever given permission for information to be passed to a non affiliated third party. Also after looking at 15 U.S. Code 1681b, a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This alone is in direct violation of consumer reporting.
Product: Debt collection

I dont know who Franklin Collection services is, and I have had this trade removed SEVERAL times from my CRAs because I do not owe XXXX XXXX XXXX. They continuously leave messages threatening to go to my job and home and take me to jail. I DO NOT KNOW THIS COMPANY NOR OWE any money. 

Franklin Collection Services opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Franklin Collection Services has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Franklin Collection Services. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Product: Payday loan, title loan, or personal loan

My husband and I got a loan thru Goodleap for a solar system in XX/XX/2021 that was XXXX XXXX which was changed to XXXX XXXX XXXX ever since weve had them weve had several problems with the system not working For the past 6 months our system has completely been broke not working at all Weve had 3 appts for someone to come out to fix the issue and its been no call no show each time We found out 3 days ago that they have closed their doors and are no longer in business So my 1st call was to Goodleap to see what we were supposed to do about our loan which we have been paying even though our solar panels havent been working Their response was to contact a 3rd party and pay someone to come out to fix the issue or call XXXX which we have so and they are saying its not their fault That we are still responsible for the loan We do not understand how this is even possible We want our loan to be canceled and the solar panels removed from our house We are getting the run around with everyone we speak to regarding this issue So we are paying a loan of XXXX for something that isnt even working and paying over {$400.00} a month for our electric bill and for the solar panels!! Weve also contacted XXXX XXXX XXXX XXXX  XXXX and put in our complaint which they are currently have a lawsuit going
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Social security number is XXXX On trans union there is XXXX, negative credit card accounts that are charge off and ending XXXX and XXXX on experian their is XXXX negative item ending XXXX and XXXX hard inquirie from XXXX  also on trans union there's XXXX credit hard inquiries that not authorized. My complaint on both credit report s these items supposed to be removed from the report I have a federal trade commission report on file
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/JCP for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to XXXX XXXX As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report CBNA on XXXX XXXX ran my credit report XXXXXXXX XXXX XXXX XXXX on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report I have already did my FTC Report I also sent the FTC to the credit bureau, but they came back saying that this was correct, specifically stating that I would like for this companies to send the correct and proper documents showing that I applied with them ; they have not and have failed too.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

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

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$28000.00} ; XXXX****Balance : {$35000.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The accounts in question are as follows : XXXX  XXXX  XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$70.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$790.00} Inquiries : XXXX XXXX TO Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the 3rd complaint I have filed with the Consumer Financial Protection Bureau. Its been nearly 30 days since I have access to my credit report due to Trans Union blocking access. I was under the impression that the CFPB was suppose to make the Bureaus accountable not to let them be lawless. I have a right to access my credit report anytime I desire. I have not been able to have this right with Trans Union. If I can not get any help from the CFPB I will obtain a lawyer and bring a class action lawsuit against Trans Union. This is my final appeal to the CFPB for assistance.
Product: Checking or savings account

On or about XX/XX/year>, I tried opening a checking account with Axos Bank through their website, and they subsequently requested the Primary Applicant 's XXXX XXXX XXXX in order to proceed with the application. On XX/XX/year>, I provided a copy of my XXXX XXXX XXXX XXXX and on XX/XX/year>, Axos informed me of their decision to deny my application unless I have a XXXXXXXX XXXX XXXX or XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I canceled all cell phone service with XXXX on XX/XX/XXXX with XXXX email confirmation I have called XXXX regarding an outstanding bill of {$300.00} for a XXXX XXXX that was returned on XXXX. 

I have two emails from XXXX on XX/XX/XXXX, confirming that the return of the XXXX XXXX. 

I have always paid my bills with XXXX in full ( On auto-pay with my bank account ) I have email confirmation on XX/XX/XXXX, from XXXX that the XXXX XXXX was returned back on XX/XX/XXXX. 

This error with their billing was closed on XX/XX/XXXX, but XXXX has now sent this erroneous bill to AmSher Collection Services . 

On XX/XX/XXXX, XXXX in XXXX Customer Service emailed me stating the refund/correction to my bill for {$300.00} because it was an error. 

I will include all email correspondence from XXXX in this complaint to assist in having this complaint corrected with XXXX and the Collection removed from my credit report.