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 : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX  : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  has violated my rights. Or 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 card

This don't belong to me belongs to someone else or possibly fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to covid 19 i pulled a copy of my credit report and notices accounts i did not open in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate information on my credit report that has not been corrected despite my previous dispute. The dates of last activity, date opened, and date last reported for certain accounts are incorrect. I was informed that the account was verified, yet no changes have been made to my report. 

Additionally, I have not received any response to my last complaint regarding this matter. I request that you either update this inaccurate information or remove the account from my credit report immediately. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX    XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the   XXXX   public records.   I then wrote to t he CEO 's o f the  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of a  XXXX   XXXX , subsequently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.
Product: Credit reporting or other personal consumer reports

Ameris Bank incorrectly reported my mortgage payments as late and I reported to XXXX and sent into XXXX proof of payment from my bak account for all the payments that they claimed were late and it was not removed. I reached out to Ameris and they told me there was nothing they could do. Months I sent proof for included XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Payments in the amount of XXXX $ They did not correct. I asked that they remove it all together from my repost as I sold my home in XXXX and as of XXXX they have not done so.. Legally, they can not report my account to the credit bureau without my written consent and they do not have my written consent, thats 15US C section604a. This credit has violated my rights under 15USCC1681 section602 states I have the right to privacy
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Money transfer, virtual currency, or money service

Hello so Ive recently had a chime account for a couple of months Ive recently received my disaster fund from Arizona chime closed my account because they said they detected fraud Ive sent them documents Ive even sent them a picture of my self to let them know this is not fraud and customer service still havent looked at my documents they take forever to respond I have to contact them and then all they tell me is they cant give me any information about my account I just wan na get access to my money me and my family are going through a rough time we are XXXX  that money from the disaster is suppose to help us until we can figure out were to go please can you guys help me get my account back open I really need that money they are also holding my direct deposit from my unemployment
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I applied for a XXXX XXXX credit card in order to receive discounts. The terms and conditions were never disclosed, mainly the interest rate. When I received the card and terms and conditions in the mail on XX/XX/2022, I immediately called the phone number on the paper work. Told them due to the interest rate on the card I would not be activating the credit card and did not accept the terms and conditions. I was told I " automatically '' accepted the terms and conditions when I applied, but how can you accept something you are not provided a chance to review? I informed the customer service rep that without my consent the account could NOT be opened. AND my consent was not giving after receiving their terms and conditions. Today, I received notification that there was a change in my credit report. Commenity Capital Bank aka XXXX XXXX reported the account as opened and closed. I again immediately called and told them I DID NOT accept their terms and conditions. I was informed they were not required to disclose the terms and conditions during the application process, that is simply NOT true.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : 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 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 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

XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been  attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I saw these inaccurate accounts from my credit report and I don't know why they're appearing on my end.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX. of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX  dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION, CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill and drivers license are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license and current Utility Bill as verification of my ONLY address. 
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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed an account with Experian for creditor XXXX XXXX/XXXX Account # XXXX. Experian has acknowledged that the information submitted by the creditor was submitted in violation of the FCRA Guidelines for reporting a debt to the credit bureau and has maintained that I must continue disputing the item with the creditor directly. I have sent letter and outlined the violation to both Experian as well as the creditor and the item has remained unchanged on my credit report. According the the FCRA 15 U.S.C. 1681c ( 1 ), a collection agency is required to observe a 180 day period prior to reporting to the credit bureau. Experian has acknowledged that the credit received the debt XX/XX/2018 and began reporting the debt to Experian XX/XX/2018. Even with information provided, the statutes of the FCRA and acknowledgement of the violation of the dates reporting, Experian has continued to reject the statues of the FCRA, has continued to report inaccurately and continues to direct the consumer back to the furnisher of the data.
Product: Mortgage

I completed a Loan Application on or around XXXX XXXX, 2016 with XXXX, A Division of CMG, NMLS XXXX with Loan Officer, XXXX XXXX XXXX, XXXX XXXX. When XXXX XXXX emailed me the pre-filled in Loan Package for my review and electronic siganture along with instruction to print out specific pages and apply my wet-signature to those documents to be placed in the mail to him. After XXXX/NMLS No. XXXX received my signed documents back which included 'INTENT TO PROCEED WITH APPLICATION ', 'CALIFORNIA LOCK-IN AGREEMENT, 'Closing Disclosure Documents ' and the Uniform Residential Loan Application ... XXXX/NMLS No. XXXX proceeded to 'Violate My Civil Rights/Constitutional Rights ' by LOCKING MY INTEREST RATE WITHOUT MY CONSENT. The pre-filled in application that XXXX XXXX provided to me to complete electronically clearly was MARKED that the INTEREST RATE WILL FLOAT. I did not give my 'Consent ' to XXXX XXXX XXXX 'Lock My Interest Rate '. 
Furthermore, I believe Diversified Mortgage Group could have placed me in a 'Better Mortgage Vehicle ' such as a Loan with XXXX, since XXXX has a Mortgage that will cover the 'Borrower 's PMI/MIP Payment, thus giving me a little relief regarding my monthly mortgage payment instead of the 'Predator Product ' that they placed me in.
Product: Vehicle loan or lease

Just after I got an auto loan with GM Financial in XX/XX/2018, I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX in XX/XX/2018, his sickness impacted my household income, I didnt expected a situation where my full income went straight to my family basics needs when I applied for the loan. 
To make everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent me to access to my workplace and continue working. It was a time that my work was completely stopped by weeks, at some point inconsistent. As result of the wildfires my income was reduced for less than the half, but it was a disaster out of my control. 
With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral. 
From someway or other I made my vehicle payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called GM Financial to ask for a relief or forgiveness with the late payments in my credit history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money, I am just asking to delete or remove the late payments in my credit history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a complain with the Equifax regarding the account XXXX and the complain was already closed in my favor and they will delete this account from my credit report because they are violated my rights. As today I don't see any changes in my Equifax credit report and the account still there. 

Complain # XXXX Submitted to the CFPB on XX/XX/2022