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

On XXXX XXXX ... Experian received my XXXX Express Mail Letter File Number XXXX ... 
This is after they sent me their Dispute Result Letter which I received on XXXX XXXX The Disputed Negative Account was for XXXX XXXX XXXX  ... Account Number XXXX This a Fully Paid Closed Account.. 

The Account shows a Late Payment on XX/XX/2015 ... There was Never any Late Payment..This Information is Incorrect ... 

XXXX  shows it as Fully Paid with no Late Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a call was placed to Transunion. I spoke to two representatives. One outside the United States and one United States representative. I am a XXXX veteran, a victim of identity theft and recently notices many unauthorized inquires on my consumer credit report. I also have a fraud activity alert on my file and have not received notice of new credit inquiries. These representatives would not help me with this issue. Inquiries include : 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX/XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX -XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX 10. XXXX XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX XXXX- XX/XX/XXXX 14. XXXX XXXX- XX/XX/XXXX 15. XXXX- XX/XX/XXXX 16. XXXX/XXXX- XX/XX/XXXX 17. XXXX/XXXX- XX/XX/XXXX 18. XXXX XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX  -XX/XX/XXXX 20. XXXX XXXX- XX/XX/XXXX 21. XXXX XXXX XXXX-XX/XX/XXXX6 22. XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint. 

items that need to be disputed : XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - {$0.00} - Late/closed XXXX XXXX DC XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} - Late/closed XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Checking or savings account

I went to take money out at a atm to pay my rent but the atm just kept saying error so I just had to transfer to another account and withdraw from there but a month later chime let the atm company charge me the XXXX dollars even though I never received the funds in hand and pretty much said XXXX you and pay us.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX. 
I don't know who this company is, and they are reporting information about me about a judgement without my consent. I did not give them permission to report anything, and this has caused me harm. Therefore, I am filing a complaint against them AND I WANT THE INFORMATION DELETED FROM THEIR SYSTEM.
Product: Credit reporting or other personal consumer reports

I am writing to address a mistake in my previous complaint submission. Unfortunately, I mistakenly uploaded the wrong ID, which belonged to a friend of mine. Please accept my sincere apologies for the oversight. 

I have now attached the correct ID to this complaint, and I would like to reiterate the same dispute points and information from my previous submission. Kindly consider this as the final notice for the following inaccuracies and violations in my credit report. 

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' The attached document includes detailed information on the disputes and errors in my credit report, including the inaccurate personal information, unauthorized inquiries, and violations related to incorrect reporting.

I urge you to immediately investigate and remove the erroneous accounts and details from my credit profile in compliance with the law. This is your final notice to correct the information before I pursue legal action.

Thank you for your attention to this matter, and I trust that you will handle this promptly to avoid further escalation.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items. From my credit reports, effective immediately, I am attaching proof that Equifax has admitted that they were in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Vehicle loan or lease

MY LOAN ENDED IN XX/XX/2019, THERE ARE CHARGES FOR MISSED PAYMENT AND FEES THAT REMAIN ON MY ACCOUNT. PAYMENTS AND FEE THAT I AM NOT AWARE OF. NEED BREAKDOWN ON THESE FEES AND MISSED PAYMENTS. STATEMENTS NEVER REQUESTED FEES DUE UNTIL NOW. {$3700.00} BALANCE {$1800.00} FEES DUE.
Product: Checking or savings account

Someone opened an account XX/XX/year> under my banking portal in my name, transferring a total of XXXX from our checking account to a chase secure banking account of which I did not open. As we watched the money being transferred in XXXX different transactions, XXXX telephone and XXXX internal transfer, the bank reps transferred me to XXXX different departments before freezing my account, taking nearly XXXX minutes. We filed an FBI report, a local police report, and a federal trade commission report. We have been meeting with our local banker XXXXXXXX XXXX XXXX having him call with us present because we get transferred so many times and get a different answer each time. We come to find they filed XXXX reports XXXX identity theft with XXXX of the transactions ( XXXX and XXXX ) andXXXX fraud claim ( XXXX ) which doesnt make sense. The XXXX identity theft claims were approved. The fraud claim was not? It was re-opened under an identity theft claim as ALL THREE should have been, and denied again. XXXX, our banker had the fraud team re-open it due to the inconsistencies of their report and vague denial. Our banker identified that the account was open in a totally different state, where the branch was, and the banker who assisted in opening the fraudulent account. I have not been called, emailed, or had any communication from the fraud team at all. Currently, we are out XXXX despite all the transfers happening around the same time, withdrawing out of our checking and into the fraudulent account and then emptied to XXXX. Yet no fraud was identified regarding the XXXX but the XXXX was approved? I have to mention that every time we asked about the XXXX, it was brushed over. Every single time. We are on day XXXX now of this incident, waiting within their requested time frame to have a thorough investigation. The only reason we know that we were denied twice was because our banker who spent XXXX hours this day also being transferred from XXXX person to another before filing an expedited complaint. We are now waiting again and hoping for good news.
Product: Mortgage

XX/XX/XXXX Let this serve as a FORMAL COMPLAINT by XXXX XXXX ( originator of loan homeowner on Deed/Title and 100 % Payor of ALL BILLS full-time resident and maintainer of property for 16.5 years against the following entities : Select Portfolio Servicing Inc. FOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For  violating the following but not limited to : Deceptive Trade Practices/ Unfair Business Practices Multiple violations of the Fair Debt Collections Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Willful and intentional disregard for the Federal Cares Act since XXXX ( SPS never substantiated their claim FHA was removed by way of previous modification Mortgage Fraud ( Threats to illegally foreclose on home with no legal Standing ) Refusal to honor QWR Qualified Written Request Refusal to perform MORTGAGE AUDIT ( Homeowners/Barrowers demand Forensic Mortgage audit ... to uncover overcharges that are caused by miscalculations of interest charges, monthly payments, amortization or loan balance. In compliance with The Mortgage Loan Act Violations of Regulation F ... outlining prohibitions,,, false or misleading representations and unfair practices. On XX/XX/XXXX Regulation F Officially superseded ANY previous rules found in The Fair Debt Collections Practices Act ( FDCPA ) Being denied over the last several months for Mortgage assistance and grants because Im not on the actual loan missing several opportunities to have saved my home long ago, avoiding all the pain and misery I have experienced over this mortgage. For example rushing to Tax Preparer to pay mortgage while in the process almost XXXXXXXX XXXX XXXX XXXX 2 MONTHS AGO OVER MOTGAGE ISSUES that shouldn't even exist! This is the honest to God truth!! If added to loan I CAN UTILIZE MY {$180000.00} IN HARD EARNED EQUITY AND PAY ALL THE BILLS. These are bills that hadnt gone delinquent in over 16.5 years except after XXXX XXXX XXXX, Rollover in XXXX XXXX XXXX XXXXXX/XX/XXXX THEN on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks ago ago! ( See attached photos and police reports ) With no refinance opportunity nor XXXX XXXX XXXXXXXX ( which is all Ive heard for 3 years from SPS reps like a script kicking solution down the road slowly nearing default as I begged for help but treated like a peon because Im not on the actual loan but on Deed/Title and pay the mortgage. ) UNDER RARE CIRCUMSTANCES NON-OBLIGATOR BARROWER PAYOR CAN BE ADDED TO LOAN COVID-9 PANDEMIC BEING RARE CIRCUMSTANCES! Once I am added to the loan repeat ADDED not ASSUME ... Add.

COMPLAINTS FILED ON SPS with : The Consumer Financial Protection board The Nevada Division of Insurance ( regarding illegal Interstate Collection efforts by Loan Servicer
Product: Debt collection

Hi i have contacted the agency that placed me in collections for {$35.00} has been contacted and i have already sent a dispute stating this debt is not mine. 
Please help assist me in the removal Of this from my account thanks
Product: Credit card or prepaid card

This is the second time capital one has put a credit card on my credit report. I have never owned a credit card from capital one. As well as inquiries on my credit report from them pulling my credit reports. I never gave consent for them to run my credit ever. This account is not mine.
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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX 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 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

Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer. reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting. agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America cancelled my credit card after I had disputed several reoccurring charges that I did not make and ruined my near perfect credit. 

The first fraudulent charge dates back to XX/XX/XXXX until the first month of XXXX. An unknown and unfamiliar monthly charge kept occurring and I had tried to dispute these charges but Bank of America offered no assistance. 

I did not know I carried a balance on my card until I attempted to use it and found out that an accrual of unauthorized charges have locked my card. I did not want to pay the balance that I was told I owed because I rarely use my credit card so I first wanted to dispute the charges to see what my options were. 

I even tried to make an appointment to speak with someone at Bank of America only to be cancelled on at the last minute. 

No one ever told me my card might be cancelled or credit in jeopardy. I have been a loyal customer of Bank of America for several decades and I have worked hard to maintain the best credit score an individual can have.
Product: Credit card

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATION!! I Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), credit reporting agencies must complete their investigation within XXXX  days. 15 U.S.C. 1681i ( a ) ( XXXX ) mandates that if the dispute results in a change to the credit report, the credit reporting agency must notify the consumer and provide them with an updated copy of the report. 
The agencies ' failure to comply with these timelines has resulted in harm to my credit standing and has caused undue stress and potential financial consequences. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am entitled to clear communication and response regarding disputed information on my credit report. The lack of response is also a violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

Capitol One checked my credit through XXXX on XX/XX/year>2025. However I have not requested to open any line of credit with capitol one or ever used that bank before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan on a CD that was a joint account with my son. I closed that account out and the bank insisted that I had to have him with me since both of was on the account secured by the loan. I noticed a few months later that the bank was still taking the payment out of my account. I went to close the account and asked for my money and they told me that my son had came back and borrowed the same amount of money which was XXXX against the CD and I asked how did they let him do that because when I tried to borrow against it I had to wait until he was available and we both had to sign. I also asked how he managed to borrow on a closed account. I finally got some of my money back but, the bank never refunded me all the payments that they took from my social security check. I asked them in good faith to remove it from my credit file because I never signed and when I got my loan on it they would not let me get it without him being present. The refused so I am asking your assistance in removing this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident in a car accident car insurance paid the car off. I have sent the police report and gap insurance payoff and they refuse to remove from credit report ever time I sent documents. They have closed the account on my report and it is affecting the report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$32000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.