23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened a line of credit on XX/XX/XXXX and was approved for a XXXX credit limit. On XX/XX/XXXX I called to see why i could no longer see my account online. I was advised by ( Superviser XXXX XXXX " who refused to provide me her last name '' ) that the account was closed due to a 3rd party informing XXXX  i had filed bankruptcy. I informed XXXX that my Bankruptcy was discharged about year ago and i had apply for this account after filing BK. XXXX then informed me its in there policy and theirs nothing they can do it about contact corp if i dont agree. ( she was very rude BTW and was not hopefully. ). I asked where in the terms and condition does it state that? IN the terms and condition it just states that my loan will become default if i BECOME the subject of bankruptcy, which i have not became a subject of bankruptcy since applying for the account. I could understand if i applied and was denied but i was approved. SO why approve me and then close my account a day later. Wouldn't i have just been denied when first applying if they dont allow account holders who have previous filed BK?
Product: Checking or savings account

I sold a diamond and deposited the cheque on the XXXX into my account XXXX at chase bank. They put a hold on the cheque. i have visited 2 branches to clear the cheque and i have called 10 times to clear the cheque, but to no avail.the customer sent me confirmation that the funds were withdrawn the day i deposited the cheque. 
The supplier remains unpaid and he released the diamond and paperwork and deserves his money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is reporting an unpaid account in my maiden name for an unpaid account that was sent to collection. I contacted them after disputing the account but the company certified it as accurate with Experian. The address was for an address that has never been associated with me. I haven't used my maiden name for at least 15 years and I had XXXX for 14 years. I haven't had XXXX XXXX XXXX for 20 years and didn't owe a balance and I've never had services with XXXX. Clearly XXXX  XXXX should not be certifying this debt as accurate on my credit report. It is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I truly appreciate the Credit Bureaus ' efforts in removing a portion of the accounts that I have been disputing for the past 5 months. However, I see here that the action done by the Credit Bureaus is not yet enough to completely remove the disputed accounts from my Credit File. I am now submitting this CFPB Complain to request to the Credit Bureaus once again to remove the disputed accounts from my accounts completely this time. Under the Fair Credit reporting act section 605b, the Credit Bureaus are required to remove the disputed accounts and information from my Credit file that resulted due to identity theft. As I previously complaint about, I require the Credit Bureaus to send me copies of documents bearing my signature as proof of ownership or any proof of verification from the Creditors themselves. However, I have waited long enough and I never received anything from the Credit Bureaus. I previously sent dispute letters to each Credit Bureau on XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the Credit Bureaus to please remove the following accounts completely from my Credit File : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DATA BREACH HAS CAUSED PUNITIVE DAMAGES TO MY LIFE BY ALLOWING SOMEBODY PURCHASE HOME AT XXXX XXXX XXXX IN XXXX XXXX TEXAS XXXX AND KEEPS REPORTING IN XXXX XXXX XXXX AND EQUIFAX DATA BASES THIS IA FRAUDULENT PROBLEM.
Product: Credit reporting or other personal consumer reports

I have a credit card account that is over 10 years old and hasn't been removed and i have been disputing and disputing to get removed and they won't remove it by law any account that ate closed have to be removed from credit repoet it has been 15 years now and still not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified you that I am a victim of identity theft, and Equifax responded that they verified that fraudulent items belong to me. How is this possible? I would like to know how a fraudulent account can be verified, and when and how was it verified?
Product: Credit reporting or other personal consumer reports

THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXX 'S RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION 8 FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC 8 ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND I'V E GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF XXXX  XXXX THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH XXXX XXXX INTERESTS AND I DON'T HAVE XXXX XXXX I'V E GOT PROOF OF THAT TOO.
Product: Credit reporting or other personal consumer reports

Im really disappoint in how Ive been treated on XXXX XXXX XXXX end throughout this process and this is affecting me and my familys life drastically I reached out on XX/XX/2024 CFPB complaint ID XXXX regarding a original contract for this debt signed by all parties and still havent received it you stated you put the account on hold until it is verified and it is still showing on my credit profile this is in clear violation under The Fair Credit Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified ( 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. 
and XXXX XXXX XXXX has done nothing righteous this is unfair and if they are doing this to me imagine who else they are doing this too.Can you please fix it.
Product: Credit reporting or other personal consumer reports

XXXX credit report shows tradeline XXXX XXXX # XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's XX/XX/XXXX days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides three exceptions relating to educational obligations, These Loans met the criteria for dischargeable as 1 they were not Federal Direct Loans, old Federal Family Education Loans ( FFELs ), and state guaranteed loans 2. A private student loan is not a scholarship or stipend, and the overwhelming body of XXXX XXXX finds that it is not an educational benefit either. See XXXX  v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. Cir. XXXX ) ; In re XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). That a private loan is an educational benefit is inconsistent with the full text of XXXX XXXX. XXXX ( XXXX ), and XXXX did not provide validation that a private student loan is a qualified education loan under the third exception. 
XXXX tradeline shows contradictions in dates of delinquency ( last payment ) XXXX XXXX or XXXX XX/XX/XXXX. 
XXXX does not show inclusion of XXXX  XXXX claim status.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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 XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

XXXX 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 card or prepaid card

I paid {$140.00} minimum monthly payment on XX/XX/XXXX and {$270.00} on XX/XX/XXXX. 
-- -- -- -- -- -- -- -- -- - My minimum payment is {$140.00}. 
I requested the extra payment of {$270.00} be applied to the promotion that has a balance of {$510.00}. 
PLEASE APPLY BOTH PAYMENTS TO MY ACCOUNT TODAY. 
-- -- -- -- -- -- -- -- -- -- After both payments are applied, then the promotion with a balance of {$510.00} should have {$44.00} from the monthly payment & {$270.00} from the extra payment. 
-- -- -- -- -- -- -- -- -- -- - The new balance should be {$190.00} for the promotion that ends XX/XX/2019. The credit card company says I have to wait 2 months for these payment to be applied. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- I need this applied to my account now as I should not have to wait 2 months for payments to be applied. That is insane and I do not believe past payments were applied correctly during the wait. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Whenever I wait 2 months the payments are never applied correctly and then I get a late payment notice reported to credit bureau. 
-- -- -- -- -- -- -- -- - This card company does not like the promotions to be paid off early.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX  XXXX, and portfolio recovery, and other financial institutions. 

# # Demand for XXXX  Account Deletion TransUnion has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # XXXX of XXXX Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : XXXX. The failure of these financial institutions to issue required XXXX forms for allegedly canceled debts. 
XXXX. The continued reporting of these accounts despite the lack of proper documentation. 
XXXX. The sudden deletion of these accounts when pressed for XXXX records. 

# # Demands for XXXX XXXX XXXX. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. 
XXXX. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. 
XXXX. Initiate an investigation into the reporting practices of XXXX  XXXX, portfolio recovery and other involved institutions. 
XXXX. Provide written confirmation of these actions within XXXX business days. 

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX may constitute : XXXX. Negligent or willful noncompliance with the FCRA XXXX. Complicity in the financial institutions ' fraudulent practices XXXX. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : XXXX. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) XXXX. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees XXXX. Seeking punitive damages for willful noncompliance Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

Abo ut 7-8 y rs ago I went to a casino in  XXXX  and signed up for a MasterCard/Total Rewards at   XXXX   XXXX   XXXX   . I a lso signed up for insurance coverage agreement that came with the card. The agreement states that through   XXXX   XXXX    XXXX   ( a product of Comenity ) if I becam me  XXXX  the bal ance would go away, and they would not harass me for money. I became  XXXX  and provided all the requested info to collect the money, but the insurance/credit card people kept asking for more docs. I am owed {$2700.00} that should b e removed from my credit and my credit score should indicate that this was an error by Comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX PXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Someone use my personal information to apply for credit from those companies and they just pulled credit report without my permission, thats why I locked my accounts on experian and XXXX XXXX. 
Institutions. Date of credit check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re : Acct # XXXX, XXXX To Whom It May Concern : This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that my claim is disputed.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. -- The term ''breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 15 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting or other personal consumer reports

I have a account from XXXX XXXX  XXXX that is not mine
Product: Checking or savings account

Sofi has locked my account since XX/XX/2024. I called everyday to see what was going on with it, since every XXXX  I have is in the account. Finally XX/XX/XXXX they tell me the IRS is requesting the money to be returned. I call the IRS and remain on the phone for hours to find that the IRS did not request anything from so fi in regards to my account. I call so fi and they say that the investigative team said they were closing My account and to call the irs back. I am on hold but the IRS is likely to tell me the same thing again. I just want my money. Sofi is in the business of taking peoples money and doing what they please XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Is the complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : 1. 
XXXX XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information XXXX XXXX 2. **Credit Reporting Agency ( CRA ) - Name of CRA :, Equifax , Experian, TransUnion ] - Date Dispute XXXX - Method of Dispute Submission : [ Online, - Description of Dispute : [ validation of debt 3. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, more than 30 days have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

I have attached copies of any relevant documentation, including [ list any supporting documents, e.g., dispute confirmation, correspondence with the CRA, etc. ]. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX