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

I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Bank account or service

XX/XX/XXXX, I took out a credit card loan from Banks of America. XX/XX/XXXX, I called Banks of America and paid {$8700.00} the remain of the debt. I ask that my account be close XX/XX/XXXX, I paid {$83.00} for the interest acuminated for XX/XX/XXXX. Agains, I ask that they closed my account. B.O.A assured me that they will close my account. For 10 months, that account remain inactive. In XX/XX/XXXX, someone took {$450.00} and I was not aware of. I have bank statement that I paid it all, but yet BOA sold my default loan to a collecting agency, report that I defaulted {$450.00}. Prior to this, I never have a bad credit in my record. I never have not pay a loan or debt. Why else I paid {$8700.00} and not paid {$450.00}. Please help investigate other victim as myself due to Banks of America erronoes.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX LVNVFUNDG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX, violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, 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 states : A consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX  XXXX XXXX, stating I recently applied for a checking account with their bank, and I've never applied for an account.
Product: Money transfer, virtual currency, or money service

i had been emailing XXXX about purchasing a animal i had sent XXXX dollars on XXXX with wells fargo to XXXX XXXX they supposedly where shipping it out on XX/XX/XXXX the shipping company was mx movers they tried to make me send an additional XXXX on top of the XXXX for a thermal heating cage for major temperature changes which seemed very odd i didnt send it. i ended the call and tried to reach the breeder which i didnt get a response at all until a while after then they just tried to make me feel bad for not sending the XXXX dollars like you really are going to do this to a poor animal then i asked for a refund as their website petlandferrets.com said i would if i wasnt happy they then didnt reply at all and i tried calling the number ( XXXX ) and they had answered it was the same XXXX guy i talked to for the mover company and he ended the call and just blocked me. i had talked to my bank and they arent taking it seriously and arent helping.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Can you verify the documentation? Several of the accounts listed exhibit inaccuracies in their reporting.
Product: Debt collection

My name is XXXX XXXX XXXX and It seems that I have an account which is not familiar to me. I believe I may be a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX. It was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$730.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$3200.00}, XXXX XXXX XXXX {$960.00}, XXXX XXXX XXXX {$560.00} I looked at my XXXX and Equifax report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsability to report consumer information to the best of their ability with maximun accuracy, I have never been late on payments for the account ( XXXX XXXX please investigate and provide proof with statements showing that these payment were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit card

I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I found that some accounts were mistakenly marked late. There should be no late payment remarks on these accounts.
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 : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Contacted companies before but nothing got solved.
Product: Credit reporting or other personal consumer reports

2 accounts I don't recognize 1. ) FEB /Destiny XX/XX/2024, 2. ) XXXX 's XX/XX/24.. 
Also CB/Indigo promises that a soft pull is ran for their product but still pulled a hard pull on my credit file which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported to XXXX XXXX that my credit score was below XXXX when actually my credit score is XXXX. Because of their error, I had to put up a deposit in order to open electrical service. I would have not needed to put up a deposit. I called Equifax and they said " no problem with your account '' but would not explain WHY they lied about my credit score. I need to know why. It costs consumer money because of errors reporting the wrong scores or is this done on purpose?
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to formally dispute an error on my credit report regarding my account with XXXX XXXX  XXXX XXXX. My credit report is inaccurately showing that I was 60 days late on my payments, which is completely false. As evidence, I have attached confirmation notices from XXXX XXXX verifying that my payments were successfully made on time. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to ensure that all information reported on a consumers credit file is 100 % accurate ( 15 U.S.C. 1681e ( b ) ). The continued reporting of false late payment information is a direct violation of my rights under the FCRA. Now that I have provided clear proof disputing this late payment claim, the burden shifts to the credit bureau to either correct the error or provide verifiable documentation proving otherwise.

If you can not provide valid, documented payment records proving the alleged late payment, then per 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA, this erroneous information must be deleted from my credit file immediately. Failure to remove this inaccurate information constitutes continued willful noncompliance with federal law, and I will consider taking further legal action to protect my consumer rights. 

I request a written response within the legally required 30-day period confirming the results of your investigation and the correction of this error. Please send all correspondence to my mailing address above. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity Financial , LLC has failed to accurately report my account for several years and it continues to cause me financial damages. XXXX XXXX agreed to report the account " Paid in full '' and did not honor that. The account is reflecting negatively on my report and showing a comment " SETTLED-LESS THAN FULL BLNC ; CLOSED '' Please see the actual snippet from the email below : On Fri, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX XXXX, I'm glad you were able to make payment arrangements to pay off your loan in full. If all payments are booked as agreed on ; there is no further action required on your part. Our credit team will automatically report loan paid in full to credit bureau after your final payment. Should you default on any payment as agreed, we are required by law to report all delinquencies. I hope this clears your concern. 

XXXX
Product: Checking or savings account

This morning I tried to buy a flight with my Regions Now Card. Ending in XXXX. 
The bank kept changing my information and denying me all purchases. They also told me maybe my business was not wanted when I called to complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX 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 card or prepaid card

Applied for a credit card with discover. Was asked to send a copy of bank statement and copy of social security. I complied and sent them a copy. I call back and was told I was approved for a XXXX line of credit. I was told the card will be in the mail 7 to 10 days. I recieved a call prior to getting the physical card in the mail. The woman stated my card has a hold in it. I need to check my email and sign a form sent to me by doc you sign. Once signed the hold will be lifted. When I read the document it was an irs form checking my tax returns for XX/XX/XXXX and XX/XX/XXXX. I called discover card back I advised them i have not filed taxes i marked on my application retired and i marked other for income. I was told i must sign and return the form and it's ok it i haven't filed taxes it's just for identity purposes. I signed the doc you sign form online and waited. Today me and my granddaughter called Discover card and was told my account has been closed. When asked why they refuse to state. I feel discriminated against based on my age. My credit score is very high my income is high and there is no such reason to now deny me its because I'm XXXX years old and this is the real reason they closed my account. I never even activated the card they blocked me for no legal reason I'm so upset.
Product: Debt collection

I am expressing now for the XXXX  time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me XXXX my XXXX son. I am a homebound XXXX XXXX retired woman who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my XXXX  child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute that my XXXX XXXX loans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with Equifax. 
XXXX wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX Dear Sirs, My name is XXXX XXXX. My consumer ID number is XXXX. 

There is an inquiry on my account with Regions Financial Corp on XX/XX/XXXX. I have never had any business with this corporation. 

I need to understand why this corporation inquired into my XXXX XXXX  The only way a corporation can inquiry into my account is if I engaged with them to do business. I have never authorized this corporation to make an inquiry. I need to find out why they did. 

Best Regards, XXXX XXXX XXXX ( XXXX ) I sent this letter to XXXX XXXX
Product: Debt collection

Hunter Warfield, Debt collector FL. 
Fraudulent debt collector and its agents never sent me any communication either through mail or email to validate the debt. 
It suddenly shows up on my credit report and they are not willing to take it off even though I have no information about this account. 
Hanging up on calls without providing valid information
Product: Credit reporting or other personal consumer reports

XXXX XXXX finance the vehicle loan for me as a co-buyer the account was on my credit reports for just days before being removed. XXXX XXXX is blaming the credit bureaus so I filed investigation into the credit bureaus and was and found out that XXXX XXXX needs to call and put the accounts back on there since XXXX XXXX was the one that pulled it from the credit bureaus. I have repeatedly tried to get a hold of XXXX in the compliance department for XXXX XXXX but she refuses to answer the telephone. I have left numerous messages with no callback.