23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

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 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

There was an account that was reinserted on my Consumer Report Illegally from XXXX, Transunion, and XXXX. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan that I got at once with them On XX/XX/21 ... after a month on XX/XX/21 I did paid my first agreement.. hours after I received a credit alert from 2 credit report companys Checking my credit report account I found that XXXX XXXX pull out 3 times my credit report without any reason and made look that I tried to open diferentes accounts on those dates XX/XX/21. XX/XX/21 XX/XX/21 Ending decrease my credit 100 points
Product: Credit card or prepaid card

AMERICAN EXPRESS - They lowered my credit by XXXX $ without any notices or any reasons that could affect my business with them. I have been making all my payments to them on time and did not use my card very often. 
Because of this Carona Virus pandemic. I was trying to keep my card for any emergency spending. American Express went and lowered my available credit and has caused by credit score to decrease by XXXX points. 
All the other banks have been trying to assist their customers during this time but American Express has been destroying peoples lives during these tough times. 
I only found out that my credit was lowered when I was trying to make a purchase online and my card declined. I immediately called them as I thought my card might have been used fraudulently. Then I was advised of this dishonest practice that American Express lowered my available credit. HEARTLESS ... 
I think that practice of lowering people 's available credit should be a crime and this company should be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and best buy was disputed under the fcra with wrong social also sent the police report and the ftc violation they have failed to do anything about its been 45 days and counting which is against me Rights under the FCRA law
Product: Credit reporting or other personal consumer reports

This is impacting my credit negatively, and Id appreciate it if this issue could be looked into and the incorrect information removed from my file.
Product: Debt collection

The full amount of this collection ( {$240.00} ) will be disputed as I do not ow any money. Here are the timeline of events : 1. I paid my XXXX XXXX bill on XX/XX/XXXX in the full amount due of {$210.00}. My bank transaction number is XXXX [ XXXX : EST ] XXXX Withdrawal a. I paid on a monthly basis every month to cover for the upcoming month. So, since I paid on XX/XX/XXXX, my policy would need to be renewed on XX/XX/XXXX. 

2. The amount due was paid on time with no added fees or dues. 
3. I called XXXX XXXX on XX/XX/XXXX to cancel my automobile and home insurance policies on the date of XX/XX/XXXX. The lady I spoke with on the phone stated that no money was due because of the fact that my last payment, which was paid on XX/XX/XXXX, was paid in full up until XX/XX/XXXX. 
4. A refund check was paid to me in the amount of {$470.00} on XX/XX/XXXX to cover the escrow amount due on my home insurance policy. 
5. On XX/XX/XXXX, my automobile and home insurance policies were canceled with XXXX XXXX. 


I requested proof of legal standing, and legal chain of custody, to collect the debt from XXXX XXXX XXXX ( CCS ). CCS mailed a copy of the same bill from XXXX XXXX that I sent to them and failed to send my requested documents. They did not send my requested documentation so I have no idea who they represent or if I should send them money. Since I have paid off my debt with XXXX XXXX, CCS is not legally allowed to request money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has inaccurate information regarding a checking g account I use to have with XXXX XXXX XXXX 4 years ago. 
Ive talked to them and sent all the documents that show proof. Chexsystems reported : suspected fraud activity on my old XXXX XXXX XXXX checking account which is completely false. 
This is consider SLANDER in America!! 
They need to take this inaccurate information off my credit report IMMEDIATELY! 
What can I do? 
Thanks
Product: Mortgage

on XX/XX/XXXX I applied and thought I was approved for a loan/refinance through Crestcore Financial LLC XXXX I was told that I would be doing a double closing which included obtaining a purchase loan and a refinance would be done once the purchase was complete but these two things would happen simultaneously. The purchase was completed on XX/XX/XXXX and I was told that I needed to wait on my agent ( whom they referred I use ) XXXX XXXX XXXX, to completely stop answering my calls for over 2 months at which she then was only able to tell me that I would not refinance due to a seasoning period that's required after purchase. This information I did not know and was not made aware of until after the closing with Crestcore ( which I would not have done if I could not get financed ) Crestcore and XXXX XXXX created a fake Pre-approval LETTER STATING i WAS APPROVED FOR FINANCING TO GET THE FIRST LOAN DONE WITH CRESTCORE AND THEN i WAS LEFT WITH NO OTHER RESOURCE OTHER THAN TO PAY THE HIG INTEREST PAYMENT ; despite the fact that i HAD A XXXX CREDIT SCORE AT THE TIME. THIS HAS CAUSED ME TO LOSE MY PROPERTY AS THEY FORECLOSED ON THE PROPERTY ON XX/XX/XXXX. After talking to an attorney I was told that i have a case of predatory lending and would need to file a complaint with the Consumer Financial Protection Bureau, in addition to filing a lawsuit for damages as this has caused my credit to drop over XXXX points as well as the foreclosure.. also when making payments i always paid more than the principle payment was required but overages were never recorded as such but rather applied to interest payment. company never answered the phone or responded to emails to requerst that overages be applied to principle.
Product: Checking or savings account

My bank, Wells Fargo, got an alert from another bank claiming a wire transfer from their client to my bank was fraud. 
I have a signed document showing that that person authorized the wire transfer. 
My bank, Wells Fargo, froze all of my accounts and was supposed to close my account on XX/XX/XXXX Then they delayed it XX/XX/XXXX Then they delayed again to XX/XX/XXXX I have been stuck with no money from XX/XX/XXXX Even though I have paperwork showing this was not fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Equifax XXXX XXXX credit reporting agency , block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX XXXX XXXX private account XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with NATIONAL CREDIT ADJUSTERS , LLC. I had an account that had been late which I understand was my fault. Well it seems that National Credit Adjusters sold this account to XXXX XXXX. XXXX XXXX contacted me and I paid the account in full XX/XX/XXXX. Since then I have file a dispute with XXXX  credit bureau and letters have been written. They keep coming back and saying the file is correct, even with the documentation being attached. They sold this account to summit but they keep reporting it as unpaid. I was told by XXXX  to contact you because they see the payments are made but they can not change anything on my report. Since I brought a house and a car last month ( XX/XX/XXXX-house, XX/XX/XXXX-car ) my interest rates are higher due to National credit adjusters refusal to remove information that is wrong and really doesn't have anything to do with them. As i stated this has been going on since XX/XX/XXXX. XXXX  is sending in another dispute, but the lady told me they most likely will just state its valid and there is nothing I can do. As you will see in the attached documents one dated XX/XX/XXXX, the other dated XX/XX/XXXX that everything is paid completely.
Product: Checking or savings account

On XX/XX/2021 I noticed a pending transaction on my Huntington Bank checking account for a {$2000.00} withdrawal at a branch. There are three people on the account and I confirmed with all of them that they did not make that withdrawal. I contacted Huntington customer service and they filed a dispute transaction claim that they promised would be resolved in 4 business days. On XX/XX/2021 the transaction posted to my account and I was able to see the withdrawal slip used. The person who signed the slip had a name similar to someone on my account, but there were an extra 4 letters to her name. Also, the handwriting for the {$2000.00} amount on the slip and the '2 ' in the account number were different so I assumed that the branch teller looked up the person 's account using her name and selected the wrong account. When I called Huntington on XX/XX/2021 they said that the transaction was not going to be reversed because someone on my account had made the deposit. I disputed this and pointed out that the person 's name is different ( on the withdrawal slip ) from what is on the account and that this was clearly a banking error. They keep promising to look into this further and I still do not have the {$2000.00} in my account. I don't believe that they will resolve this because they are not carefully checking the information.
Product: Checking or savings account

XXXX I just received a check from Citi Bank with the amount of {$0.00} by XXXX on Friday, XX/XX/year>, this is truly Unbelievable! Citi still owes me the rest of interest from XXXX thru XXXX which should be approximately {$20.00}. My check, containing all of Savings and checking funds, was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The XXXX XXXX XXXX ( lady ) from Citibank in Texas confirmed that my account is being closed on XXXX ( which it was ) and that I would receive the check no later than XXXX. However that check didnt arrive until XXXX with a check date of XXXX. Please for verification, pull the recorded call on XXXX from Citi XXXX XXXX in Texas, this is what I was told. As a result, I lost 15 days worth of interest on my money they held up in error for XXXX ( XXXX ) months. They cost me interest as a result of their actions.
Product: Credit reporting or other personal consumer reports

Hard Inquiries : XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 


XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b.
Product: Vehicle loan or lease

what happen to me is, I had purchased a car from the dealer and the dealer said we only help the consumer if the need car from there bank as loan application we will prefer to send the application to the bank, so by allowing the dealer to submitted the application i had to signed the document such agreement... so by doing that after a years I discover that most of the agreement I signed including the bank application has a lot of incorrect information been provided from the dealer and, approved by the bank as a multiple copy of the same application number and other agreement has 2 different VIN number of the vehicle so I had to file a complaint to this agency as a consumer and I get an email after submitting my complaint to contact the bank to ask them if they can recover the money and cancel all the subcription or serviceand the bank don't want do that and they said it has to be done by the dealer I contact the dealer and the dealer said as I had to cancel the service contract every thing was cancel but when I contact the company that the contract was provided from they show me one of my contract still active wish is the gap one that is why I'am complaining again thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX XXXX SHOWS A COLLECTION FOR XXXX XXXX THIS IS A FRAUD ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact equifax via online and over the phone to report identity theft And they are not willing to freeze my credit or assist me with potential fraudulent i formation or inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I made a complaint to the CFPB regarding XXXXXXXX XXXX persistent refusal to correct inaccuracies on my consumer report regarding the inaccurate dollar and cents amount owed on my Capital One credit card account. XXXX continues to be reckless and negligent in fixing the error ( See Attachment ). Additionally, Capital One credit card ALSO is in violation of 15 USC 1681e by reporting inaccurate balances to XXXX because they are missing the dollars AND CENTS amount. Thus, BOTH XXXX AND Capital One are in violation of my federally protected rights under FDCPA, FCRA, UDAAP, 15 USC 1681a, AND 15 USC 1681e. They MUST ensure ACCURACY of the account on BOTH my consumer report AND credit file. BOTH Capital One, the furnisher of the information AND XXXX, the consumer reporting agency are LIABLE for these continued violations of laws!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for : Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3. Additionally, please provide written confirmation and proof of original contract with the results of your investigation and any actions.
Product: Debt collection

They called about an old auto loan that was paid off for a lesser agreed amount. Attempting to collect again, would not tell me where to send any documents, he just told me to bring it to court with me.
Product: Credit reporting or other personal consumer reports

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 trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporti
ng. 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. 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 und 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 I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

My information was given to a third party who have not contacted me in no way I called to have debit verified and was told you need to pay we will send this to the credit bureau!
Product: Debt collection

Several years, I trusted this person to pay my XXXX XXXX  credit card bills and now XXXX XXXX  wants me to pay the {$12000.00} dollars and I am not paying for that. Discover Card says I have to pay the {$3.00}, XXXX because I trusted this person. I am so tired of getting the calls.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here are the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Credit Collection Services is a third party debt collector, that was contracted by XXXX XXXX XXXX to collect an alleged debt. This is a violation pursuant of 15 USC 1692a. My permission was not given. I went into a consumer transaction with XXXX XXXX XXXX on XX/XX/2021. I received a debt collection letter in the mail from Credit Collection Services, stating that it was an attempt to collect a debt. This is a violation pursuant to 15 USC 1692b.
Product: Student loan

Asked for forbearance in XXXX, paid navient {$50.00} for the forbearance due to hardships. I have harassed by calls everyday for the past XXXX months saying I am late on payment. XXXX XXXX navient also screwed me when I asked for help, they failed to tell me the help was just paying interest not principal for the past XXXX years. Finally, moved by federal loans to fed-loans.gov. They are deceptive, deceitful. They screwed me