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

In accordance with the FAIR CREDIT REPORTING ACT. XXXX, XXXX and Equifax have all violated my federally protected consumer right to privacy and confidentiality by publishing Information to my credit profile without my written consent. As a consumer I am protected from this types of high tech identity theft under 15 USC 1681. The accounts that are illegally on my credit profile are : XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Illinois XXXX phone number ( XXXX ) XXXX Account number XXXX update a XX/XX/XXXX in the amount of {$26000.00}. XXXX XXXX XXXX account number XXXX open XX/XX/XXXX amount mount {$220.00}. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX SC XXXX phone number XXXX XXXX XXXX XXXX XXXX Account number XXXX open XX/XX/XXXX in the amount of {$160.00}. XXXX XXXX Account number XXXX date open XX/XX/XXXX amounts {$470.00}. XXXX XXXX account number XXXX open XX/XX/XXXX amount {$100.00}. The XXXX XXXX XXXX account and the 96 inquiries. XXXX, XXXX and Equifax Have all committed fraud and violated my rights under 15 USC 1681 604a.Section 2. It'states that consumer reporting agencies can not furnish a account without my written instructions. I have not provided my written instructions with my wet signature to XXXX XXXX and Equifax. They are also in violation of section 15 USC 1681c. ( A ) ( 5 ) Section states no customer 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. I have not been convicted of a crime at all. So not only have my rights been violated under these sections, but also I have the right to privacy under sections 15 USC 1681 Section 602a.
Product: Credit card or prepaid card

On XX/XX/2022 applied online and was approved for a Truist XXXX XXXX card, credit card ending in XXXX was issued and received by me. On XX/XX/2022, I utilized the credit card pre qualification link on the banking website. The system approved me under Application ID : XXXX. The Truist XXXX XXXX XXXX credit card ending in XXXX was issued and received by me. On that same day, I applied for a Truist XXXX  Checking account and received email approval under Application IDXXXX for account number ending in : XXXX. On XX/XX/2022, the Truist credit card pre qualification link approved me for the Truist XXXX XXXX card under Application ID : XXXX. On XX/XX/2022, I received an email from Truist advising that debit card ending in XXXX is on the way, I never received it.Three small dollar balance transfers were completed by Truist to card ending in XXXX ( documents attached ). Also, I have attached the interest rate disclosures sent with card ending in : XXXX and XXXX. My reasoning behind applying for the multiple cards in a brief period is that I do not allow any of my individual credit card to reach more than thirty percent of the total credit limit. My listing of credit cards with all major credit reporting repositories will show significant credit lines along with monthly payments on each card totaling much more than the minimum payment. Additionally, my credit reports reflect a newly opened non escrow mortgage from fourteen months ago, showing on time payments and a balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXr # 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 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was impacted by this data breach from Equifax. I was denied credit and my credit score was deeply impacted because of the errors on my credit report. I have been compensated financially for this negligence. I have written a formal dispute letter below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting a quote from XXXX XXXX exposed the fact that LexisNexis Risk Solutions were collecting my personal information through a program called XXXX XXXX ( XXXX XXXX XXXX  XXXX ) without me knowing. It had incorrect information on the report, in which XXXX used to evaluate my rates. My current rate with XXXX was highly in turns increased without my knowledge of the fact that they are using LexisNexis ' false information. I called LexisNexis Consumer Center XX/XX/2020 which did not go through. I then called their representative center which they told me to fill a dispute which would take 30-60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, Transunion, XXXX ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXXccount XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified.XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX
Product: Credit reporting

I have a company which was a XXXX in state of California with my dad. We opened the company back in XXXX and had some employees at the time. So we fell behind with payment for XXXX XXXX XXXX ( XXXX ). So in XXXX and XXXX they put few liens on the accounts. Since then we resolve all the past due balance with XXXX and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I charged my XXXX XXXX payment to my Prosper XXXX. While logged into the Prosper website, I selected Make a Payment. The available options were Full Balance, Statement Balance, Minimum Payment, and Custom Amount. A message at the bottom of the screen stated I could schedule a payment up to XXXX  days in advance. 

I selected XXXX XXXX at that time. 

However, on XX/XX/XXXX, XXXX processed the entire account balance of {$690.00} instead. When I contacted customer service, I was told that payment preferences take XXXX to XXXX billing cycles to go into effect and that the transaction could not be stopped. They advised me to call my bank to try to reject the payment. My bank confirmed that they do not charge an overdraft fee if the savings account has insufficient fundsthey simply reject the XXXX. 

XXXX informed me that if the payment is rejected, they will attempt it again and charge a return payment fee. 

I was told this delayed processing timeline is in the auto-pay agreement within the mobile app. However, I made this change on the website, and there was no mention anywhere that the change would not take effect immediately or that it could take up to XXXX billing cycles. In my experience, this is not a standard practice for credit cards, and the lack of clear disclosure is misleading. 

The representative told me to call back if Im charged a return fee, but I do not have confidence they will waive it. I believe this is a deceptive practice, and Im requesting CFPB intervention to hold Prosper accountable for failing to disclose this information to users making changes via their website.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. I have circled the items I dispute on the attached copy of the report I received.

Disputed Item ( s ) : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was made aware on XXXX XXXX 2017 that over 140 million SSN, DOB, address and DL profiles were stolen from Equifax. I am one of those millions. This puts me and my financial health in tremendous risk. This is unacceptable, it 's not like we have a choice not to use Equifax. Also, it was made apparent that insider trading occurred, as executives at Equifax sold shares of their company after they were hacked, but before this was made public, and this is against the law.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and doesnt reflect my credit history. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681. And they violated my rights numerous times. I demand ONLY the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Experian written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Certified Mail Sent to TransUnion Urgentt Matter!!!! 
Date : XX/XX/year> Date Dear ( TransUnion ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : 2. PLEASE UPDATE MY ADDRESS TO : MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

FYI I was mailed a letter from TransUnion stating that my verification documents that were large, in XXXX and legible, were not and I will attach the documents along with the original verification documents to The CFPB to prove legible documentation and misrepresentation per TransUnion. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are failing to report the XXXX partial account number XXXX and XXXX as In Dispute. These dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report to reflect these accounts as being disputed. I respectfully request that this be addressed immediately. I have contacted the bureaus to fix this issue, however I have not been successful. It is a violation of the Fair Credit reporting Act to not report accurate information on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute three accounts for over 2 years and cant get this problem fix. The accounts arent mind, and I provide mistakes in multiple reports and ask to delete these inaccuracies. I ask for documents on these accounts. A auto loan with joint account with someone I never heard of, credit card account with different date reported, and XXXX school loan with different amounts on several reports. If it was validate correctly it should not be inaccuracies between several reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reviewed my credit report and happened to come across some information that must be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX XXXX has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.
Product: Checking or savings account

I reached out to my bank ( Wells Fargo ) to process a claim that the the travel agency that I had booked a trip to XXXX with in the amount of {$2400.00} had cancelled my trip and would not refund my money back. Wells Fargo sent me back {$2000.00} and then they took the money back with additional bank funds being charged and stated they had spoken with the Vendor ( XXXX XXXX ). The bank did not want to hear anything that I said. They sent me a letter stating that I did not give them all the information they needed which was not true. I am trying to find out how I can get my money back, plus those additional bank charges. 

I told them the travel company has been doing that with all their customers. The company tells you to rebook, but the trips are 10 x as much and you can not afford them. 

They are scamming all of their customers. I orginially found this trip on XXXX. XXXX has since removed the vendor ( XXXX XXXX ). If you look at the review they has taken over XXXX customers monies. 



Yours Truly XXXX XXXX XXXX
Product: Mortgage

I have been paying my mortgage for 10 years. Bayview loan serving acquired my mortgage years ago after the bank, XXXX XXXX went out of business. Last year I had XXXX XXXX  and became no more than 2 months behind on my payments before then I never missed a payment. I began the Bayview process of modification after finding out I would not be returning to work and had to rely on Social Security XXXX XXXX. 
The woman assigned to me, XXXX I believe said if I provided her with bank statements, proof of SS and expense statement that I would pay a lower amount, {$620.00} or so for 3 months on the XXXX of XXXX through XXXX my loan would be modified and the would have to sign the paperwork. My original payment prior was I believe {$840.00} or so. I paid the {$620.00} for 3 months. I was sent a XXXX  the last week of XXXX to modify my loan to the modification and the amount was {$780.00} a {$34.00} difference from my original mortgage payment Bayview wanted starting in XXXX. I told XXXX XXXX that was not the agreement and was not given enough time to go to the bank for witnesses and a notoriety and I couldn't afford the payment. I did pay XXXX for the lower amount. I was sent another XXXX the last week of XXXX saying sign and pay the modification for XX/XX/2020 by the XXXX for the {$780.00}. I called on XX/XX/XXXX but was continuously hung up on by the phone system. Unable to pay online or by phone by Bayview I am now filing a complaint. 

XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2016 at XXXX, I entered the Bank of America at XXXX XXXX XXXX XXXX XXXX California. I was there to pay bills by collecting my California State unemployment benefits which are deposited by the State of California into the Bank of America Account systems. 
Every 2 weeks, I am being continually and openly harassed by the actions of the bank manager, " XXXX '' that has seen fit to voluntarily withhold my benefit payments until he recites the fact that I do not have to enter the bank to collect my benefits. I have told this manager that ; 1. I have a right to transact my business within the bank 2. I prefer the safety of transacting business within the bank structure 3. I should be able to collect my benefits without this individual holding on to identification and banking cards, for 2-3 minutes, without processing my request, as he openly smirks, and takes illegal advantage of his position. I have already submitted a complaint of a similar incident ( Case number : XXXX ) that occurred on XXXX XXXX, 2016 by the same individual that appears to feel that banking customers have no recourse regarding his inappropriate official actions. 
On XXXX XXXX, 2016, I had to openly ask this individual five times to " please process my request without delay '' ... He ( XXXX ) laughed, and stated, " XXXX XXXX, I have to tell you this '' .... This is become extremely irritating and frankly I have been told that it is illegal for this individual to delay or intentionally inhibit my access to state benefits ... I am currently searching for attorney or a banking enforcement entity to investigate my complaints. On this, my latest complaint, there were witnesses available, Including " XXXX '', another Bank of America employee positioned in the lobby and greeting customers as they entered the bank. I am sincere about having these events investigated, and I am confident that bank cameras captured this event as well as the prior incident. It also appears to me as if this is a racially motivated incident, in noting that no other patrons are subjected to this type of irritating response by this Bank of America " Manager ''
Product: Credit reporting or other personal consumer reports

I send a certified letter asking Experian to investigate my account and demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) on the accounts listed below. They never sent proof and they claimed they verified the information. 
I filed a CFPB complaint asking for another investigation and they claimed everything was updated and accurate. After they stated this they also said : " Regarding the items you listed, according to our records, the disputed information does not appear in your current Experian credit report '' These statements are completely NOT true and they contradicted themselves. 

Please note the screen shot date and the date that Experian claims this report was made. This is a updated report taken directly from their website!!! 

The XXXX XXXX XXXX account was charged off on the following date : XX/XX/XXXX the date of last activity has not been updated on Experian even though the claimed to have updated the account. The date of last activity on Experian is XX/XX/XXXX. And on XXXX it's XX/XX/XXXX The XXXX XXXX XXXX XXXX XXXXXXXX account was charged off on the following date : XX/XX/XXXX the date of last activity and amounts has not been updated on Experian even though the claimed to have updated the account. On the XXXX report you will see the amounts are different than the Experian because Experian NEVER verified and updated the report but yet they claim there report is has been updated and accurate. 

XXXX XXXX No Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 

XXXX XXXX account was charged off on the following date : XX/XX/XXXX the amounts has not been updated on Experian and they show that this account was closed on XX/XX/XXXX then reopened on XX/XX/XXXX XXXX and then charged-off on XX/XX/XXXX even though the claimed to have updated the account. On the XXXX report you will see the amounts are different than the Experian, The charge-off date is different because Experian NEVER verified and updated the report but yet they claim there report is has been updated and accurate. 

XXXX XXXX XXXX XXXX No Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 

XXXX XXXX XXXXXXXXNo Verifiable Proof ( an original Consumer Contract with my Signature on it ) Has Not been sent. 


if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed inaccurate. Please delete these accounts from my report.
Product: Debt collection

There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.
Product: Credit reporting or other personal consumer reports

data breach exposed personal information I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered " consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach