23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX I submitted a dispute regarding the following accounts below that are on my credit report. 


XXXX Account number XXXX Date opened XX/XX/XXXX I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of the reporting, with inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX refuse to allow update of Consumer Statement to reflect XXXX and XXXX XXXX  deceptive and fraudulent business practices. The account in question was deleted from XXXX. Arbitrary {$120.00} restock fee was imposed for a defective XXXX XXXX upon its return within the 14-day return policy time frame. I am not responsible for a defective phone, and the arbitrary {$120.00} restocking fee should be deleted from my other credit reports. The phone 's symptoms included overheating, running slowly, acted in unexpected ways, spiking data usage, poor battery performance, frequent pop-up ads of a phishing nature, and the apps crashed. XXXX apparently just wants to restock it to be sold to another unsuspecting customer. The phone was purchased on XXXX and returned on XXXX within the 14-day window given on the receipt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the middle of closing on a mortgage XX/XX/XXXX. I've been in this process since last quarter of XXXX. I purchased products from XXXX payment plan provider Affirm who offered per terms ( soft credit pull only, no reporting unless delinquent or payment problems ). This was great due to no cc use allowed and monitoring of my credit cards and bank acct every 30 days until close. 

The account in questionXXXX Had a return item to XXXX which the processed the adjustment and updated AFFIRM as required. Payments were still automatically deducted with no missed or late payments. Completed terms XX/XX/XXXX. They in turn reported as of XX/XX/XXXX this acct to XXXX as a collection that's never been late but has a balance of {$90.00} remaining which is oddly the adjustment amount XXXX had them complete. This has not only out me in jeopardy of delaying nor losing out on my home. It is incorrect, was not supposed to be reported on my credit and their process of resolution has not worked in my favor. I've completed all terms and per the terms of my contract which I read prior to signing they've botched all agreed. No removal was completed nor updated information to the balance as the letter indicates. 

They have it listed as : 1. Collection account ( false ) 2. {$90.00} Balance owed ( false ) 3. But in good standing ( contradictory and misleading )
Product: Debt collection

I called CapStone collections a representative named XXXX XXXX answers the phone, I told him I think this account does not belong to me and that I have a police report, he said that I was a lair and that he do n't believe anything I say, that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and the only way to get it fix was me paying the whole amount that they do n't do payment plans to stop calling them and he hung up on me twice. 

This is very upsetting, I do n't even think they are a local or a real collection agency, now every time I called he is the only one who answers the phone and he keeps hanging the phone. 

Please help me with this matter I do n't think they are fallowing the collection laws and I feel discriminated and harassed by this company and indivivual.
Product: Debt collection

I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.
Product: Mortgage

I am unsure if I filed this in the right category but I had a garage fire on XX/XX/24 I filed a claim with XXXX ( insurance ) they sent a contractor out to do an estimate which claimed I need the siding the overhead garage door the frame the side door and frame all electrical the garage door opener 2 studs replaced and some sort of blasting to clean up the soot in reality I need to replace the garage door opener and over head garage door and pressure wash the soot. well I requested 500 multiple times for a dumpster and Flagstar said it is the insurance problem and insurance said they issued the check so it is the mortgage and that I also have to have a contractor do all {$27000.00} of repairs before any funds will be released skip to XX/XX/24 Flagstar is not taking my calls the constantly hang up on me I have talked to the XXXX  XXXX  and they informed me that I only need a contractor if the damage is structural which it is not and if Flagstar wants to keep the games up I can request the insurance money go towards my mortgage and not pay till the insurance money is up due to the games between XXXX and XXXX I am behind on my car insurance my mortgage multiple credit card payments and other bills and has effectively destroyed my credit putting my military career in jeopardy and Flagstar has not a care in the world the induvial departments refuse to talk to each other and use me as a middle man but again the insurance claims department is always hanging up on me I am currently looking for the money to go towards my mortgage for the next 2 years or 25 months till the funds are used up and I make no payments during that time to fix my credit due to their negligent
Product: Debt collection

Santander is reporting an auto loan on my credit reports with XXXX, XXXX, XXXX  that is erroneous. 

I have disputed the account with XXXX, XXXX, and XXXX  and no on ehas provided validation for the Santander account. 

I demand that this account be removed from the credit reports with XXXX, XXXX, and XXXX. 

SANTANDER Account number : XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX  account # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  account XXXX XXXX XX/XX/XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXX account # 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 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Reported balance- {$2800.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

noticed various problems with my credit reports and need them to be fixed there is a letter describing all of these issuses
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized hard inquiries appearing on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), Section 604, hard inquiries can only be listed on my credit report when authorized by me or initiated as part of a permissible credit transaction. I have no recollection of authorizing these entities to perform hard inquiries into my credit file. Under the FCRA, unauthorized inquiries constitute a violation of my consumer rights. As such, I am requesting immediate removal of these inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX  XXXX BANK XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX  XXXX BANK, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my debts until final divorce, which was XX/XX/XXXX, ( proof attached ). I was unfairly sent to collection since I was not employed nor am I currently working. This account was sent to collection about spring of XX/XX/XXXXand Divorce was XX/XX/XXXX, which means it was responsibility of ( ex ) husband. ACCOUNT WAS CLOSED XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights 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 XXXXXXXX Personal Loans Companies XX/XX/2021 Equifax 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15U.S.C. 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I paid XXXX for foreclosure help..The attorney that was assisting me ..never filed anything with my loan service..and now Im going 2 lose my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2022 with XXXX XXXX and Experian, XXXX, and XXXX. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 1681a-Definitions : rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 

I would like to know who they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX  XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and Experian is stating " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting and Request for Balance Non-Disclosure Re : Dispute of Late Payment Reporting and Balance Disclosure XXXX XXXX XXXX XXXX Account ( Account # : XXXX ) Dear credit report agencies I am writing to formally dispute the inaccurate reporting of late payments and the display of my balance associated with my XXXX XXXX XXXX XXXX ( Account # : XXXX ) on my credit report. The information being reported is inaccurate and conflicts with my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ). 

Account Details in Dispute : Account Type : Auto Loan Date Opened : XX/XX/2024 Balance Reported : {$50000.00} ( as of XX/XX/2024 ) Past Due Amount : {$990.00} ( as of XX/XX/2024 ) Original Balance : {$49000.00} Basis for Dispute and Balance Non-Disclosure Request 1. Inaccurate Late Payment Reporting : The reported past-due amount of {$990.00} is incorrect and has not been properly validated. Under the FCRA ( 15 U.S.C. 1681e ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. If the late payment information can not be verified, it must be removed. 
2. Right to Privacy and Non-Disclosure of Balance : Section 913 of the CCPA ( 15 U.S.C. 1693k ) prohibits the display of financial account information, including balances, without lawful justification or explicit consent. I do not consent to the reporting or display of my account balance on my credit report and request its immediate removal. 
3. Violation of Consumer Protection Standards : The FCRA mandates that consumer information be reported fairly, accurately, and only for permissible purposes. The continued reporting of this accounts balance and late payments in their current form is neither fair nor compliant with federal law. 

Requested Actions : 1. Remove the inaccurate late payment information from my credit report immediately.

2. Remove the balance information for this account from my credit report in accordance with my rights under federal law.

3. Provide written confirmation of all corrections made to my credit report. 

Supporting Documentation : I have attached the following documents to assist in resolving this matter : A copy of my credit report with the disputed account highlighted. 


Conclusion : Please investigate this matter and provide a resolution within the 30-day timeframe required under the FCRA. If the information can not be verified as accurate, it must be deleted from my credit report. Additionally, my balance information must no longer be displayed to protect my privacy rights under the CCPA. 

Thank you for your immediate attention to this matter. If you require further information or documentation, please contact me directly at XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX with account XXXX XXXXXXXXhas been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a dispute with Experian regarding inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian to address discrepancies in my credit report, and to date, I have not received a response. I am seeking your assistance in resolving this matter promptly. 
The inaccuracies in question involve the following accounts : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$88.00} I affirm that the XXXX XXXX account was never late. Please correct this inaccurate information on my credit report. 


XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The account identified as XXXX XXXX is not mine. I request that Experian promptly removes it from my credit report. 


XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} The account identified as XXXX is not mine. I request that Experian promptly removes it from my credit report. 


XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} The account identified as XXXX XXXX is not mine. I request that Experian promptly removes it from my credit report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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

We were working with a doctor in XXXX who told us he was going to help us iwth our son who suffers from XXXX. He claimed to be able to help with XXXX and XXXX  issues as well as improving communication skills ( our son is non-verbal ) His " treatments '' did absolutely nothing except cost us close to XXXX $ We attempted to dispute the charges with American Express however they states that the Dr. had provided adequate documentation to uphold the charges. 

While our dispute was ongoing, the Dr. was accused, convicted, and plead guilty to tax evasion charges ( charges which included providing false information to the IRS ) https : //www.justice.gov/usao-sdny/pr/westchester-neurologist-pleads-guilty-manhattan-federal-court-tax-fraud-violation We argued with XXXX that his conviction on tax fraud and willingness to defraud the govt and provide them false documentation should be taken into account when considering our claim. An individual who had no qualms about lying to the govt would surely have no issues with lying to his credit card company. 

In the end, XXXX ruled in favor of the doctor. We had to take out a personal loan to cover the XXXX $ bill.