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

This account continues to report on my credit reports after I have asked this company nicely to remove and delete from my credit reports due to the inaccuracy of the information. XXXX : 15 USC1681. The dates closed are different as well as additional information on this account.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$2500.00} ; XXXXXX/XX/XXXX XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance XXXX {$8600.00} ; XX/XX/XXXXBalance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute letter in regards to the incorrect items on my credit report. Its been week over 30 days and I haven't received information or results.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LENTEGRITY LLC reports an late account on my credit report XXXX XXXX XXXX reports on my credit report Theses two accounts do not belong to me XXXX XXXX XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company the XXXX XXXX XXXX GEORGIA is reporting a XXXX XXXXXXXX to XXXX, XXXX and XXXX Credit Bureaus and its reflecting on my credit reports
Product: Checking or savings account

Due to personal reasons, I chose to end my relationship with USAA back in XXXX and closed all open accounts that I had with them. I continually receive letters from USAA regarding their privacy practices and my personal information they are storing on their computer file systems. I called to " opt out '' of their privacy sharing practices and requested to have all of my personal data deleted from their file systems. The USAA representatives say they can not comply with my requests because I do not have any accounts, and therefore, they are unable to verify my identity. 
I know that I have rights concerning companies who store secret dossier 's consisting of my sensitive personal data without my permission, and a large bank like USAA is no exception to the law. 
My old USAA member number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX- XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding LLC has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, XXXX. XXXX reached out to me offering to settle the account. I paid XXXX {$520.00} on XXXX XXXX, 2020. I was told that they would notify Midland Funding who would then remove it from my credit. After a month I called Midland Funding to check the status and they told me that they had not received notice from XXXX  that I had settled the account and that I should call them. I called XXXX to get the process moving and after 1 month and several calls I was informed by XXXX that they had given the information to Midland Funding. Midland Funding still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.
Product: Credit card

I tried to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters. They chose not too and I eventually canceled my card even after stating I would due to their non-complience
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

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

15 U.S.C 1681 Section 604 A Section XXXX : 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. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not identify the following information appearing on my credit report : XXXX XXXX XXXX Type of Industry : Other Collection Agencies Account Number : XXXX Address:XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone Number : ( undefined ) undefined
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 

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 or other personal consumer reports

I checked my credit report and noticed there were unauthorized remarks being reported. Please have these accounts/remarks removed immediately
Product: Debt collection

XXXX XXXX XXXX started contacting me during the national pandemic to collect a 16 year old debt from Bank of America.
Product: Credit card or prepaid card

On or about XXXX XX/XX/2020 I had to travel to XXXX for personal emergency XXXX Father in XXXX passed away ). I was going from XXXX XXXX XXXX XXXX TX XXXX to XXXX XXXX New Jersey ) to XXXX. I used my credit card for buying some food at XXXX and XXXX. 
It seems that there was a XXXX vending machine which might have done some dummy {$10.00} transactions ( 3 in number ) and none of them were successful. As it is XXXX and personal emergency plus being in XXXX ( away ) from USA - I have no way to contact Citi Master card. I am having this card for at least 5+ years. 
Later I saw that Citi Master card reached out to me and expected to do the dispute for this authorization kind of charges from XXXX. It was expected that if i want to dispute them - I am forced with a new credit card being delivered to my USA address XXXX XXXX TX ). For me it is unacceptable to get a replacement card in USA- I just wanted to continue the services with this little inconvenience ( may be {$30.00} kind of 3 charges of {$10.00} each from XXXX XXXX rather than getting a replacement card being sent to my USA address and I am not having any credit card in XXXX as I am not sure how long I am here in XXXX now ( 3 weeks or 2 months ). 

What i am seeing is that Citi master card blocked my account access. This block means blocking Citi master card as well as Costco Citi visa card. My family is still in USA and they have mine Citi Costco VISA card for costco and other purchases. 

This is so ridiculous that Citi want me to call them in USA ( i can't make international calls ) and go thru some useless IVR/Robot to get nothing out of it. 
Why can't Citi upgrade their Artificial intelligence and machine learning algorithms to do better fraud detection. If a person made some other transactions in that place - why some other failed transactions is an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times with a bankruptcy on there reporting. Side
Product: Credit reporting or other personal consumer reports

Experian Has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer financial Protection Bureau ( CFPB ) Has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed accounts.
Product: Credit reporting or other personal consumer reports

XXXX, and Transunion has been violating my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am seeking {$1000.00} per violation for : Damages for a Willful Violation 15 U.S. Code 1681n - Civil liability for willful noncompliance Damages for a Negligent Violation 15 U.S.C. 1681o I asked several times for my credit report to be properly reported, and my demands have been neglected. In my most recent credit dispute, i specifically highlighted the accounts i was disputing, but instead XXXX, and Transunion deleted other positive accounts that i did not include in my dispute, and verified the accounts i disputed as accurate, without a complete report. They Deleted my XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX loan accounts which I've had for at lease XXXX  years, over XXXX  years for my auto loan account. I have asked several times for proof of investigation, and proof of method of verification, and also my demands have been ignored or neglected. They are willingly neglecting me, damaging my image and personality by improperly reporting my credit, and getting me denied for applications. I was recently denied a rental application because of this. I am unable to obtain any other items because I get told I don't have any old accounts on my credit, and it has tremendously affected my life, to the point my family and I are homeless. I am seeking {$1000.00} per violation.
Product: Debt collection

I went into the XXXX XXXX XX/XX/XXXX. Before I left the US, I closed or suspended all accounts that would not be used while I was gone. I contacted XXXX XXXX XXXX XXXX. Because they did not allow for more than 6 months suspension, I closed my account, with the intention of reopening the account upon return XX/XX/XXXX. 
I paid my final bill of {$52.00} on XX/XX/XXXX and closed my account. I no longer received the e-Bill through my on-line banking bill pay. 
I returned in XXXX to find letters ( all mail had been forwarded to my mothers home ) from Credence ( collection agency ). They were very nice and helped me dispute the charges ... twice. 
I have contacted XXXX XXXX XXXX ... they did NOT listen. They simply asked me to pay their bill! 
I have been with XXXX XXXX XXXX for many years and have paid on time. Although, they would notify me about my e-Bill, they never notified/emailed me that these charges were going unpaid. If they had, I would have known a mistake had been made, and in turn, reminded them that the account was closed while I was in the XXXX XXXX. Does XXXX XXXX XXXX do this to other customers who are serving our country?
Product: Student loan

I am still being charged daily interest since XX/XX/XXXX. Presidential order was it would be handled within 7 days. No response from them.
Product: Credit card or prepaid card

XX/XX/2011 {$1500.00} I paid off this credit card late cause I went through some financial hardships when I was younger and I really wasn't too familiar with late payments and I really got backed up. I want to see if possible I cant get the account sponged out from bad credit I would really appreciate it. 


thanks
Product: Debt collection

HOW MANY LETTERS DOES A PERSON NEED TO SEND THAT SAYS CEASE AND DESIST? BECAUSE I HAVE SENT XXXX TO THE COMPANY. THEY ARE CALLING AND HAVE IT UP ON MY CREDIT STILL
Product: Debt collection

The phone will ring once and hang-up several times a day from the same phone number. The calls are 7 days a week at all times of the early morning to late at night. Harassment is the intended purpose. I do not owe any debts and this company needs to produce documentation saying otherwise or stop calling. They call from this number ( XXXX ) and after doing a reverse look-up of the number it belongs to Firstsource Advantage , LLC XXXX XXXX XXXX, XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.