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

I have noticed that I have had hard inquires on my consumer report that does not belong to me. as well as Bank account listed by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove the following accounts below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$23000.00} XXXX XXXX ( open ) XX/XX/XXXX XXXX It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p All must be removed. I am also opting out of all secondary bureaus holding any negative information must come off reported by Transunion, XXXX, XXXX This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. 




And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, inconsistent, and unverifiable information appearing on my credit report with your bureau. I have noticed significant discrepancies in the reporting of items across XXXX, XXXX, and Equifax. These discrepancies, along with the non-public information shared across reports, have caused confusion and do not align with the requirements of accuracy and validity outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
CAPITAL ONE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Product: Debt collection

It's a medical debt being report on my credit report. XXXX XXXX should not be reporting my credit due to HIPAA law and violations...
Product: Bank account or service

This complaint is filed against the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX and Customer Services Representative XXXX XXXX ( XXXX ) XXXX for transpassing my credit report file information obtaining a " hard '' credit inquire without my permission. 
On XXXX XXXX, 2015, I met XXXX XXXX XXXX at his bank branch located at XXXX XXXX XXXX, XXXX XXXX for banking issues. 
On XXXX XXXX, XXXX the US Bank sent me a letter Ref. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX stating my application for credit is denied. I immediately, visited the bank branch location and requested to remove the HARD INQUIRE from XXXX because I NEVER applied for a " credit line ''. 
On XXXX XXXX, 2015 I mailed the same request via us regular mail, but as of Today, no RESPONSE was received by the US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported multiple times to XXXX, Equifax and XXXX credit report Agencies about being a Victim of Identity Theft. 
I have prove to them that there has been some accounts opened fraudulently like Account name : XXXX  XXXX. Account number : # XXXX. 
I have requested several time this account to be investigated and the response have been always the same " this account has been verify '' I have requested the same investigation to XXXX  XXXX THE CREDITOR HOLDER OF THIS ACCOUNT in multiple time this creditor has affirmed they can not fulfil investigation in this issue since they do not have information about me being liable for this account Honoring 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

so mi question is how the credit bureaus has information about XXXX account that not even the furnisher says having information about? 
XXXX, Equifax and XXXX XXXX XXXX XXXX has violated my consumer right under 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX is not capable to verify this information because they do not have 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 
XXXX, Equifax and XXXX XXXX XXXX XXXX has Violated my consumer right under 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 since XXXXXXXX XXXXXXXX HAS EXPRESED IN WRITTING they " do not have enough information to conduct an investigation '' taking into consideration that I am not LIABLE for account name XXXX XXXX with number : # XXXX I demand from XXXX, Equifax and XXXX XXXX XXXX XXXX to deleted this account from my credit file since they are furnishing FALSE information violating all my right under the FAIR CREDIT REPORTING ACT and specific under15 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.

I request the cfpb be review that my right does not continue violated and that the responsible do not take the law for granted and for once do what is right deleted this account from my credit file
Product: Payday loan, title loan, or personal loan

I received a loan from star of Texas in XXXX since then I been having financial issues and struggling to pay it back my phone was disconnected etc I received a email from Star of Texas today and this is what it said by XX/XX/2022 we will file fraud charges with XXXX XXXX XXXX. Because I havent made a payment also the card they have on file is invalid because I got a new one due to the other one being compromised and totally forgot to update it. I have been threatened and intimidated by star of Texas of charges of fraud because I have not made any loan payments which is totally crazy that they would go to stuff low depth to get a loan payment from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against Equifax and XXXX  regarding my credit report. Both companies have failed to provide any proof that I gave these lenders promission to pull my credit. I never gave these companies any consent to inquiry my credit report. There was a hard pull from XXXX XXXX XXXX  on XX/XX/2017 and another hard pull from XXXX XXXX on XX/XX/2017. I need a signed application stating that I authorized these inquiries. If the credit companies can't provide these signed documents, please have these two hard pulls removed from my credit report. 
XXXX  file # XXXX and Equifax file # XXXX.
Product: Student loan

When consolidating my loans from a private provider, Fedloan rolled them over in parts, then charged me to consolidate, resulting in additional fees. Agents refuse to acknowledge or address this in any way. 

Formally, I was a government employed teacher that qualified for loan forgiveness. None of my qualifying payments were entered. I have since quit teaching as I no longer trust this program. 

In addition, I have asked repeatedly over the last couple months for information regarding the percentage of interest charged on loans and they refuse to provide this information. I was sent statements days after each time I reach out that include only an overview, but not the information I requested. 

The first and last issue I would like addressed ASAP so I am not over charged as I pay off these loans.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX 2014. XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* XXXX XXXX XX/XX/2020 *Lighstream XX/XX/2020 *XXXX XX/XX/2020 *XXXX XXXX XXXX XX/XX/2020 *XXXX XX/XX/2020
Product: Checking or savings account

Capital one 360 gave me misinformation about interest rates and I fell on hard times whilst putting my life savings in this savings accounts. Whilst anticipating the 4.75 % as promised I never got anything close to that
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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. List all accounts : 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: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Product: Checking or savings account

I have {$530.00} bank fees due to a XXXX error. I contacted XXXX and they stated they would provide me a letter by email to give to Compass. I waited two weeks and never received the letter. They continued to submit for payment out of an account that I requested that compass close prior to the error. I contacted compass to o let them know the drafts were without my permission and requested that I receive a reversal of fees and to not allow any more drafts were I would receive more NSF and other fees. I contacted compass several times by email and by phone. They continue to allow the drafts and continue to charge me NSF. I was told by they fraud department that it was up to me to talk to the merchant I explained that I tried several times and they have not fixed the issue. Compass still had not done anything regarding the credits or closure.
Product: Money transfer, virtual currency, or money service

This platform allowed me to spent my whole wallet balance on purchasing XXXX, in a few clicks, very simple. 

After I bought it, I attempted to withdraw it, that's when it got complicated ( of course ). An ID verification window prompted. It said that for safety reasons I had to verify my identity. Good, I'm ok with that. Then, a second screen comes with a set of options for ID, all with XXXX thing in common : any type of government ID must be an XXXX ID. I'm not in possession of any XXXX ID, so I tried with the ones I have, passport and driver 's license from a different country. It didn't work. 

I reached out to their support and they keep telling me that I have to use an XXXX ID, and I keep explaining that I don't have one. 

XXXX of them suggested me to just sell the XXXX there, so I'd get my USD in the wallet, which I can use freely without ID verification, as I've been doing for the last XXXX or 3 years. However, it means that I'd have to pay them again their fee and commission, which I did earlier when buying, and now forced to do it when selling. This is the most unfair solution they could provide me with. 

I was not warned about these strict policies before buying the XXXX. Why would they be so strict about moving the XXXX but so friendly when purchasing it? To take advantage of clients? 
There were no policies nor Terms for me to accept when I first entered the XXXX interface of this platform. Nothing prompted out when I was buying telling me about ID verification process, much less that they will only consider valid an ID issue by the US government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned looking at my recent credit report from Equifax that an account that had been deleted off of credit file as reappeared. I received no notice from Equifax stating that this account would be placed back on my file. This account was disputed in 2017 and was removed in 2017. The account from XXXX XXXX and XXXX XXXX was removed then reappeared without anything being sent to me is against the law. This happened when I called Equifax. They had two accounts for me then they combined them and now it separate again. I would also like that to be fixed as well.
Product: Credit reporting or other personal consumer reports

I am submitting to contest the accuracy of my credit reports. Following an examination of my reports, I have identified an erroneous account that is adversely impacting my credit score. In accordance with the Fair Credit Reporting Act ( FCRA ), it is incumbent upon credit reporting agencies to ensure the precision and currency of information contained in credit reports. Consequently, I am requesting that you conduct an investigation into this account and effect the requisite updates to ensure the accuracy of my credit reports. The following accounts per bureau are erroneous and necessitate correction from my credit reports : XXXX : XXXX XXXX XXXX Balance Owed : {$14000.00} -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance Owed : {$14000.00} -- -- -- -- -- -TransUnion : XXXX  XXXX XXXX Balance Owed : {$14000.00}. I have included a copy of my personal documents highlighting my identity for your reference. I would appreciate it if you could furnish me with an update on the status of my dispute within 30 days as mandated by the FCRA. Thank you for your attention to this matter. Please inform me if you require any additional information or documentation to assist with the investigation of these accounts.
Product: Credit reporting or other personal consumer reports

The credit bureau are still reporting an issue with this account when XXXX XXXX XXXX  have stated this isnt correct and it need to be updated Ill attach a letter of this information also Im it sure why XXXX, XXXX, and experian is still reporting this issue. Well its really still showing on XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries on my report that I do not recognize.
Product: Credit card or prepaid card

Goldman Sachs issued me an apple credit Card through an XXXX account I had separate on my XXXX. XXXX was stolen and i called right away to report it. Unable to retrieve it I endured unauthorized charges to which the company couldnt explain yet Im being billed continuously monthly for charges that are not listed on my bank statement or that they can explain. They told me they cant access the transactions and only I could do it through an XXXX  account I cant get into. This being said, they offered to mail me the itemized statement. I received an itemized statement with no charges shown but a total amount of {$430.00} to Be paid. They wont dispute or close my account
Product: Student loan

I have been trying to log into my loan servicing account with AidVantage, which will not let me log in with my current UserID or Password, nor let me create a new account, nor let me reset my password or UserID because it won't send the email to the address on file. Not allowing me to access my account is absoslutely unacceptable, not being able to send me emails is unacceptable, and this is a massive data security issue.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report XXXX  XXXX ( {$2800.00} ) XXXX XXXX  ( {$2700.00} ) XXXX XXXX  ( {$0.00} ) Roundpoint ( {$0.00} )
Product: Credit reporting or other personal consumer reports

I filed several disputes on Inaccurate information on my Credit Report. The Company sent my personal information to Debt XXXX and Creditors and Ruled in their Favor Resulting the Information is correct and Mine. They failed to do a proper investigation under the FCRA XXXX
Product: Credit card or prepaid card

During the financial crisis of 2008 to protect our small business a cash withdrawal was made against my Bank of America Master Card. Since then payments have continuously been made. Bank of America explained that the payments are not made to the higher interest cash loan. All payments that were made went to the balance of the credit card while the higher interest rate cash loaned increased the amount owed. I have repeatedly contacted Bank of America to reduce the interest rate. They continue to decline my requests even though the balance of the past due amount has been paid off and the payments higher than the minimum due have been paid. Bank of America for years advised me that they review the accounts to reduce interest rates if there are no late payments and a substantial monthly payment has been made, all of which has been accomplished. 

My complaint is to have my interest rate reduced and any credits applied to my account if it is deemed that Bank of America has acted unfairly and has taken advantage of consumers during the financial crisis of 2008.
Product: Credit card

I made a payment to Capital One 's Savor Credit Card for {$70.00} on XX/XX/year> and these guys rejected my payment for no reason. The bank account 's routing number and account number I used is correct and they provided no reason for the rejection. Force these people to accept the payment so I can close this worthless credit card that these guys are trying to make into a late payment. I have started another attempt of payment today and I want these guys aware that if they continue discriminating against my bank account, which has the funds, they will be dragged into a small claims court.
Product: Debt collection

in XX/XX/2014 i have moved out a apartment complex called XXXX in XXXX TX and they reported some fees to a collection company called National credit XXXX i advised them i have a letter that i turned my keys and garage opener and that they done the walk through with me and they kep saying that im refusing to pay and that they will take me to court i want some of the fees lowered and for them to work with me and they refuse
Product: Credit reporting or other personal consumer reports

I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as Equifax and XXXX, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. Equifax, XXXX, XXXX, and all relevant entities must uphold their obligations under these statutes.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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.

This company 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.