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

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

Account Name : XXXX  Account Number : XXXX Account Name :XX/XX/XXXX Bankruptcy Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name :XX/XX/XXXX XX/XX/XXXX 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

I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX. 

I was notified that a new account from XXXX XXXX - XXXX XXXX  XXXX via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my Transunion report. 

However upon looking up XXXX XXXX - XXXX XXXX  on XXXX, I found that it was most likely a credit card from the company XXXX. I didn't understand what this was, I do not do business with XXXX or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX. 

I filed a dispute with Transunion and later with XXXX regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS A FRAUD BASED COMPANY I AM EXPOSING THEM I HAD COVID FROM XXXX TO XXXX IN XXXX I NOTIFIED THEM AND THEY MARKED MY PAYMENT FOR XXXX AS 30 DAYS LATE THAT IS XXXX  I PAID XXXX ON TIME AND THEN WAS ADMITED INTO ICU FOR COVID THEY CAN NOT MARK ME NEGATIVE WHEN ALL MY PAYMENTS HAVE BEEN ONTIME AND I WAS EFFECTED BY PANDEMIC AND THEY KEEP SAYING THEY WILL FIX IT AND DO NOT RESPOND TO EMAILS AND WHEN YOU CALL THEY ARE ALL FOREIGHNERS AND HTEY HAVE NO IDEA WHAT THEY ARE DOING THEY LIE MAKE FAKE PROMISES AND EVERY ONE ONLINE IS COMPLAINING ABOUT THEM I WANT THIS REMOVED NOW OR I AM RETAINING A LAWYER FOR CAUSING ME HARDSHIP FINANCIALLY DUE TO DESTROYING MY CREDIT REPORT I DEMAND THIS RESOLVED.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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

Dear CFPB I am writing to formally request a deletion of all inaccuracies reported on account : # XXXX with XXXX. 

Upon reviewing my transunion credit report on XX/XX/year>, I noticed that some things are incorrect, incomplete and inaccurate, those errors include reported open date, date of the first payment and last reported date. 

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, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( 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

Tried to make a purchase using my Lowe 's credit card ( which contracts with Synchrony Bank for the credit card services ). The charge was declined ( {$1500.00} ), I had a XXXX balance with a line up to {$13000.00} so that was not an issue. Called up Synchrony bank, I was sent to their fraud department. Explained to them who I was, the Lowes salesman confirmed my identity with my drivers license. They tried to remove the loc, but they could not fix the problem ( operational risk problem ). Talked with Synchrony rep, she didn't know how to fix the problem, then talked with her manager she could not fix it, had salesman confirm identity, again they could not release the lock on my card. Ended up using another card for my purchase. Synchrony Bank compromised my character by declining the card, they also made Lowe 's look bad for making a good customer go through this. Lowe 's did give me a 5 % discount on my purchase for the stupidity ( operational and reputational risk problem ) of Synchrony bank doing this.
Product: Credit reporting or other personal consumer reports

i had a credit card with oportun/webbank that i paid off in XXXX of this year. i have been trying since XXXX of 2024 to get it updated and corrected on my equifax credit report. i have reached out to not only equifax and disputed it on their sire more than 4 times, i have reached out to the credit card company as well and requested the proof that it is paid off and closed and i have that. i also sent a request showing where they reported it to the creidt bureau, i got the letter however it does not include equifax only XXXX XXXX and experian. 
BELOW ARE THE LETTER OF CLOSURE FROM OPORTUN/WEBBANK SHOWING ITS CLOSED AND PAID IN FULL LETTER OF REPORT FROM OPORTUN/WEBBANK SHOWING THEY REPORTED TO XXXX, AND XXXX BUT NOT EQUIFAX XXXX DISPUTE RESULTS FROM EQUIFAX DISPUTE I FILED ON THEIR SITE XX/XX/year> DISPUTE RESULTS FROM EQUIFAX I FILED ON THEIR SITE BOTH OF THE ABOVE SHOW THAT THE CARD IS PAID OFF AND CLOSED BUT IT IS STILL SHOWING ON MY CREDIT REPORT AS OPEN WITH A BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint and am provide letter sent by certified mail to experian on these unknown inquiries. I have no knowledge to the below inquiries therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wish to see the original sources of the information reported including the original documents authorizing such inquiries with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card
Product: Credit card or prepaid card

I was being investigated for fraud by unemployment of maryland however this was resolved. They have tried to process 13 payments but they were rejected by bank of america because the card and account is frozen. I have contacted unemployment and bank of america they said they are waiting for further guidance on how to deal with this. They owe me now {$5200.00} dollars and three months without payment and wont even allow me to switch my option to paper check. I NEED ANSWERS
Product: Vehicle loan or lease

PenFed Credit Union denied your loan applications ( vehicle and personal ) despite profiting from the monetization of your credit inquiries. They failed to provide the required SSA-89 form authorizing the use of your private information and acted in bad faith, violating federal consumer protection laws like the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, they disregarded your lawful standing as a secured party creditor with a recorded UCC-1 lien and ignored instruments like your Affidavit of Ownership, Bill of Peace, and Notice of Excise Tax Payment.
Product: Checking or savings account

I am waiting this letter in regards to questioning Rabobank standards and procedures when dealing with a claim I made on   XXXX   XXXX  2017    that I was a victim of check fraud in the amount of {$1100.00} dollars. I spoke to Bank  Manager   XXXX  face to face, without any proof or solid evidence she made a claim in quote " that should have been more responsible with my account, and not deposit fraudulent checks. '' I have been a loyal customer to Rabobank for ove r three years and as a Veteran I  was extremely offended that my Integrity would be the first thing in question. Not only do I have copies of the fraudulent checks but I have the email I sent out to Rabobank when this crime was taking place and the transaction was still pending I was able to contact the online banking department to cancel my debt card and close my online account. the result 's of the incident caused with to close my account with Rabobank and landed me on bad terms with companies that I had direct payments from my account.
Product: Debt collection

This complaint submission is in regards to a false credit report by ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and stated they will not cooperate in a Debt Validation. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice in XXXX of 2023 and XX/XX/2023, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, Midland Credit Management are violating my rights and are also causing financial hardship with this debt being reported. This false report by Midland Credit Management has prevented me from gaining access to any lenders due to XXXX XXXX on file. At this point they have failed to provide any competent evidence or any legal obligation and ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
Product: Bank account or service

I opened a Citigold Checking account using a promotion code for XXXX XXXX XXXX miles. I confirmed with Citibank the terms of my promotion via secure messaging on their website. I met the terms of the promotion and contacted Citibank because the points promised in the promotion had n't posted to my account. They responded that I was not eligible for the promotion and they were not honoring the terms of the promotion. 
I have attached copies of all correspondence with Citibank and my statements showing the promotional requirements were met. 
Thank you
Product: Debt collection

I was served with lawsuit papers from debt collectors Midland Credit Management. I have repeatedly asked for a copy of a physical contract with my signature verifying the validity of this contract and debt. They can not furnish it only a card statement. XXXX  XXXX the original creditor can not provide me one either as I requested. This has hurt my credit reports and any chance of obtaining credit. I will be placing a fraud alert on my report as well.
Product: Prepaid card

Put money on my card on XXXX XXXX 2015 and I 'm still waiting for it to be credited to my account I have called a whole bunch of times to the XXXX number is the XXXX number to get hung up on that is the runaround I 've left messages via rush card via XXXX XXXX unirush ... too no avail..
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One Credit Card Company and XXXX Credit Card Company when I became unemployed during the pandemic since I lost my job due to covid-19. I contacted both companies as they requested to update them with my financial status every couple months. Both company, allowed a short forbearance and decided to report my account to the credit reporting agencies when I could not pay the monthly amount they sent. I could not pay for the credit cards and asked for forbearance until I can find a job and pay my bills. Prior to the pandemic, I always paid my credit cards on time without any issues. I am devastated that as a former loyal customer of both companies they can not work with me during my time of financial family devastation. Although I am still looking for full-time employment, both accounts are now in collections on my account. As a single mother, this is devastating as I try to get my life back together and provide for my family. This betrayal has brought me to tears, keeps me up at night, caused my XXXX, and makes me feel like a complete failure. They have sent my accounts to collections which has decrease my credit score and has a negative collection mark on my account. Please assist!!
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of Account XXXX from XXXX XXXX on my credit report due to inaccurate reporting. This account was submitted for deletion by the company on XX/XX/year>, via deletion request # XXXX. Both XXXX and XXXX have removed this account following the company 's submission. 

Please reference the CFPB response from XXXX XXXX confirming this submission. I urge you to also consider XXXX XXXX  TransUnion, as your failure to remove this account is in violation of my rights under the Fair Credit Reporting Act. 

If this account is not removed within 7 days, I will pursue monetary compensation for damages.
Product: Mortgage

After requesting XXXX XXXX XXXX to modify our mortgage through principal reduction, our account was transferred to Bayview Loan Servicing , LLC which advertises that it provides principal reduction alternatives. We applied, submitted all the required supportive information, specifically requesting a principal reduction, and were offered a false modification opportunity that did nothing to reduce the principal. The market value of our home is approximately {$90000.00} less than the current mortgage principal of {$300000.00}. 
We provided county assessments, regional sales of similar properties, insurance values, and hardship and financial documents, all for not. 
We need help getting out of being underwater on our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter about inaccurate accounts that were shown on my credit report and asked for an investigation. It has been 2 months and I still haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person responsible for the charges made on the accounts. Equifax and XXXX put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2017 I applied for a ( Best Buy ) credit card and the application came back as declined because the system was down and overloaded, five days later I received a letter in the mail w/my Best Buy credit card, saying that my ( Best Buy ) credit application have been approved, but i notice it left a hard inquiry on my credit report. Best Buy, tv & electronic! Thanks you, ,XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a a yearly credit report XX/XX/XXXX, and I see that Bank Of America is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX
Product: Credit card

I filled-out an application in order to adopt a puppy. From petland I was approved for XXXX with XXXX deposit. 
So I paid XXXX deposit and was told that The payoff would be XXXX after the deposit. Was made? I was not told that I would be charged every month. 35.9 % interest and that my {$200.00} payment. A month, only {$47.00} would go toward the principle of the loan. 
That makes the payoff over {$12000.00} on a XXXX loan in order to adopt my puppy. I do not feel that this is fair. I feel that this is very illegal i found out after I had signed the contracts and made my first payment. I seen that they only deducted {$47.00}. They didn't even take off my XXXX. The {$100.00} deposit that I had originally made When I called them, they told me that the {$47.00} would go toward The principle and that's remaining goes towards the interest every month i am enclosing. 
The payment amount. They are charging me every month and also a picture of how they only took off {$47.00}. After I made a payment of XXXX They only deducted {$47.00} off my balance. Nobody can afford to pay {$12000.00}. 
That is. Over twice the amount of the puppy please look into this. I really feel that this is illegal. Nobody can pay off {$12000.00} on a {$4500.00} loan. And nobody would agree to that if I would have known that in the beginning, if petland would have explained that to me, I would never have signed a Contract when I notice the discrepancy where it shows that I only paid {$47.00}. I called the bank and the bank told me. Yes, the XXXX that I paid XXXX went to the principal and the rest went toward interest, and that I was being charged interest on this 35.9 % every month. So every month, only {$47.00} would go toward the purchase of my puppy, while the rest would go toward the bank for interest.