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

Equifax and XXXX have reported incorrect information on my credit report for account XXXX XXXX. it is affecting my credit to the point I can not get a job or purchase a home Account details about worst payment status of XXXX days late is inaccurate on my XXXX report XXXX Equifax report is reflecting the same thing which is derogatory and affecting my credit as well. I have mailed in custody papers showing I have custody of my child. I have requested validation of the account. I have requested a copy with my signature on it showing where there is a signed agreement between me and this company. I have requested documentation that I gave permission for this account to be reported to the credit bureaus. 

I have also disputed inquiries on both reports ( XXXX and Equifax ) that I do not even have active accounts for that were done fraudently in my name and Equifax and XXXX refused to remove them from my credit reports They have refused every single request and have not provided me with anything I have put in writing sent to them certified along with my identifications to verify I am who I say I am as well. 

Due to them violating my rights, I have ben refused jobs and now I am being refused purchasing of a home because of this. I am attaching my current XXXX report because it is not on my report and the other two credit reports should reflect the same as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$1100.00}.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XXXX XXXX amount- XXXX I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX  are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX system of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA. 

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXXXXXX XXXX failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

In 2016, I took out a line of credit with Fifth Third Bank to borrow money for some property that he was purchasing. Upon purchasing and selling the property, he immediately paid off and closed the line of credit. Despite closing the line of credit in 2016, Fifth Third continued to charge an annual fee of {$65.00} or a total of {$390.00} for the following 6 years. The interest rate for the line of credit was 4.74 %. Approximately 3 years ago, I needed a loan and went to Fifth Third and secured a {$3000.00} loan with an interest rate of 12.99 %. I have been assessed over {$1000.00} in interest rates since paying off the loan a month ago. In XXXX of this year, I went to Fifth Third requesting an application to submit for a line of credit. The Fifth Third representative told me that I already have a line of credit in the amount of {$80000.00} which I assumed had been closed in 2016 when I paid it off. I have contacted the Branch Manager ( XXXX ), as well as the District Manager ( XXXX XXXX ) and have requested that either the interest rate for the {$3000.00} loan or the annual fee for the line of credit be reimbursed due to the fact that I would not have agreed to the much higher interest rate of 12.99 % if I had been told that I could access funds from the line of credit. Despite several efforts to come to a resolution, Fifth Third is unwilling to reimburse me for what I feel are double charges. At the very least, Fifth Third acted in an unethical manner by only offering me a high interest loan of 12.99 % when I had a much lower line of credit rate of 4.74 % available and wasn't aware. I would like to get this resolved as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts and inquiries listed below were opened or made without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the accounts and inquiries listed be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9800.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$6000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3700.00} Fraudulent Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Product: Money transfer, virtual currency, or money service

I contacted an advertisement in XXXX XXXX  selling a XXXX XXXX XXXX XXXXXXXX. 
The text me and send me information about the XXXX via email. Send me a link with the photos. They used a fake XXXX website so i will trust them. The asking price XXXX including shipping. She says she travels a lot with her husband and want it to do the deal through XXXX 's buyer protection program. She said she had a contract with XXXX XXXX  to do the deal on her behalf. She said was listed in XXXX too. She sent the link to see it in the XXXX web site. ( was a fake web site ). She says i need to hit the buy it now botton and follow the instructions to do exactly what they said. She urged me to do the deal because there were other serious buyers and she will cancel all other offers. She added there were a few buyers asking for the motorhome. 
I want it so i hit the buy bottom. 
Got another email supposed to be from XXXX. Asking for my DL and ans assure me that XXXX XXXX will hold the momey wire until i verified the car and title. They assure me they are a third party in the transaction and they will put the money in XXXX escrow account. 
They verified my id and asked for a selfie of me. I sent all. ( STUPIT ME ) SENT to coinbase Inc account they asked me to send XX/XX/XXXX $ XXXX IN A WIRE and did not have the rest of the money so sent XX/XX/XXXX, a wire for $ XXXX with my other account. They replied that they got XXXX only. And want it me to re send the XXXX back again ( i smell the scam by then ) called the bank inmmediatly to cancel the wire. I got back the XXXX in my XXXX XXXXXXXX XXXX account But the XXXX was gone. XXXX XXXX The bank told me coinbase inc withdrawed the funds and closed the account.The scammers never replied back to me. I got scamed.
Product: Credit card or prepaid card

I made a credit application with Chase XXXX XXXX after reviewing the program on XXXX and XXXX, both of which identified that the {$85.00} annual fee is waived the first year. My first statement came in with the {$85.00} enrollment fee. I called customer service and they acknowledged that their website does offer that and that they would review and probably refund the {$85.00} fee. I received a letter two weeks later saying that I made application with a different offer and that I owe the {$85.00}. I called customer service and explained the situation. The response from both the representative and supervisor on XX/XX/18 was sorry there is nothing we can do. I immediately cancelled the card for fraudulent and misleading business practices.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience. Experian, XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : TRUIST XX/XX/XXXX PATHFWD/OPOR XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Legal Grounds ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
3. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Consumer Loan

the person I talked to maked threats to take my things. also maked threats to have me lose my job an also have me on the streets. he came to my job an to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

See the attached FTC Report concerning the unauthorized inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've repeatedly disputed the third-party collection agencies that brought the original creditors that were included in myXX/XX/XXXXXXXX, bankruptcy. I would like to know what proof was provided to Experian, report number, XXXX, XXXX. XXXX, 2022, to remain as accurate reporting? Because I'm disputing the original creditors that were sold to the third-party collection agencies listed below. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$410.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2700.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$8800.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2500.00}, Original creditor, XX/XX/XXXX XXXX, XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2400.00}, Original creditor, XXXX Bank, Contact info, XXXX. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX cellphone number
Product: Credit reporting or other personal consumer reports

I did not authorise Ally to run my credit over and over every few days. Ally hard inquiries need to be removed from all three credit agencies immediately
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  XXXX Balance : {$69000.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

I bought an XXXX  XXXXXXXX XXXX XXXXXXXX that was locked to the XXXX  network from BestBuy on XX/XX/2022. I paid the full amount using my BesyBuy credit card on XX/XX/2022. XXXX sent me to collections recently for an amount of {$1000.00}. I called XXXX customer service to find out what this amount is meant for and I was tol by the customer service agent that the amount is for the XXXX XXXX XXXX XXXXXXXX device. I explained that I already paid the full amount and that XXXX should contact BestBuy to verify that I have paid off the full amount for the phone. They refused. They sent me to collections because I would not pay twice for the same phone. 
I am writing this so that this organization would mediate between me and XXXX regarding this issue. In the first place, I did not purchase a phone from XXXX. I purchased the phone from BestBuy and I see no reason XXXX would contact me to pay for a phone I already paid for. 
Another argument XXXX brought forward was that EMEI number in my receipt does not match with the EMEI on the phone. I contacted BestBuy regarding this and they made me understand that there are two EMEIs on an iphone. EMEI1 and EMEI2 on the phone box. EMEI2 number was used to process my payment from BestBuy and according to BestBuy, any of the EMEIs is good enough. XXXX only wants to see EMEI1 on the receipt or on the account. I am only a customer that purchased an item and I am not responsible for creating receipts. BestBuy and XXXX should work this out. I have lost almost 60 hrs of work time from XXXX till now driving around to XXXX and BestBuy store trying to solve this problem without any progress
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX ; XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Product: Bank account or service

Hello, I opened a checking account online with TD Bank ( This is the first and the only account with this bank ), the next day XXXX/XXXX/2016 I stopped by the branch in my town and made a check deposit for {$5000.00} to the account. 
Today is XXXX/XXXX/2016 and I still do n't see the money in my account even though it is showing that the money already been released from the other bank. 
what I see is only a {$100.00} available, when I logged in to my account on Sunday the XXXX/XXXX/2016 I saw they put ( Pending - {$9700.00} ) on the account, and when I called their customer service, the lady told me that they put a DOUBLE HOLDING on the amount of the check, and claimed it was a mistake, and took her around 20 minutes to fix that mistake. 
when I called their customer service on XXXX/XXXX/2016 they told me that they can hold the money up to 12 day, then I called again and spoke with a supervisor and she told me they can hold it up to 8 days. 
My concern is about all that process they doing with holding the money that long, is it legal? 
* The check amount is {$5000.00}. 
* The post a double holding on it. 
*It passed 3 days since the deposit date, and the supervisor told me that I need to wait 5 more days. 
*everyone in their office telling different info ( some saying they can hold it up to 12 days, other say up to 8 days ). 
If you can advice me what to in this case to protect my money, I will be thankful. 
Best Regards