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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have 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 XXXX XXXX XXXX XXXX XXXX  I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Checking or savings account

Key Bank branch at XXXX XXXX XXXX XXXX, XXXX, IN XXXX will not allow me to open a Key Express Checking Account and they will not give me a specific reason why. They say it is due to a report on me provided to them by XXXX. I obtained a copy of my report from XXXX. There is nothing negative or adverse on the report. Key Bank will not tell me what is on the report that they find to be objectionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the Fair Credit Reporting Act 15 USC 1681. Let me remind you of 15 USC 1681 ( a ) ( XXXX ) ( XXXX ). This company is simply parroting wrong information sent in by another company which has hurt me and my family tremendously. Your company is reporting a XXXX vehicle lease on my consumer report for this information is wrong this was a phone lease. I have applied for a car loan and place to live and have been denied due to your inaccurate reporting. Your company did not do its due diligence while affecting my livelihood. I have attached documents that you you are indeed in clear violation of 15 USC 1681 ( a ) ( XXXX ) and 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) and 15 USC 1681n XXXX a ) ( XXXX ) ( A ). I am unable to move my kids due to this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/2018 {$150.00} Original creditor : 11 XXXX Was settled with original creditor, and TransUnion will not remove it ... yet XXXX and XXXX has ... 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

I found this debt on my credit report, contacted them. and have not received any information, need this resolved and removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of the following bankruptcy records on my Experian credit report, as they have been inaccurately reported and continue to cause damage to my reputation, creditworthiness, and overall financial standing. The accounts in question are : XXXX XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX Legal Basis for My Dispute & Immediate Removal Request Pursuant to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. After reviewing my credit reports from XXXX and XXXX, I have confirmed that these agencies have removed these bankruptcies from my file, as they were unable to verify them. Therefore, I demand that you remove these bankruptcies from my Experian report immediately.

Furthermore, pursuant to 15 U.S. Code 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my consumer report. I did not provide any written authorization for this information to be reported, and no such consent exists.

The reporting of these bankruptcies without my consent constitutes Identity Theft, and these violations are classified as Aggravated Identity Theft under 18 U.S. Code 1028B ( 1 ) ( A ) ( ii ). Your agency has knowingly transferred, possessed, and used my identifying information without lawful authority, which is a felony punishable by up to two years of imprisonment, in addition to civil liability.

Recent CFPB Enforcement Action Against Experian It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly investigate consumer disputes and for allowing inaccurate information to persist in consumer credit files. The CFPB alleges that Experian conducted superficial investigations into consumer disputes and permitted deleted false information to reappear in credit files, thereby harming consumers ' financial well-being. This enforcement action underscores the seriousness of maintaining accurate credit reporting and the legal obligation of Experian to conduct thorough investigations into consumer disputes. XXXX Damages for Violations Under 15 U.S. Code 1681n Due to these violations, I am invoking my rights under 15 U.S. Code 1681n and demand the following damages per violation : Permissible Purpose Violation : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Creditworthiness : {$1000.00} Damaged Mode of Living : {$1000.00} Infringement on Right to Privacy : {$1000.00}
Product: Checking or savings account

I have two accounts with Bank of America. One account is a checking account ending in XXXX. The other is a savings account ending in XXXX. 


I was the victim of identity theft, and had been unable to access these accounts for many months. I have placed two complaint with this agency, and had to this date not received a response. However, I cant say that they were able to completely lock my XXXX account and I have not been able to get any information at all on anything and they have also been able to tell me invalidate my phone numbers. 

There is at least {$2400.00} worth of outstanding money that the thieves should not have been able to obtain. Apparently they even spoke to Bank of America fraud department and were able to get fraudulently looking. Looking transactions approved as if they were me. 

I would like someone to contact me at their earliest convenience. I would like these charges investigated and the criminals prosecuted.
Product: Student loan

I submitted my first set of paperwork for verification of loan payments in XX/XX/XXXX. At this point my loan servicer was changed from XXXX ( had been others ) to FedLoans. As of XX/XX/XXXX Fedloans has still not been able to verify any of my SIX years of loan payments. I have called innumerable times and every time I call they tell me that they don't know when they will be able to verify my past six years of payments. I have made every payment on time and by the book so it is extremely troubling and anxiety provoking that after 2 years of being with Fedloans they are still giving me the run around and can not verify these payments.
Product: Credit card or prepaid card

My brother and I both have XXXX Capital One Credit Cards. I  want to report and wish to request that the proper government bureau investigate their practices on charging interest particularly when there is ongoing Same As Cash deferred interest programs on the account. On both credit cards, we have purchases that have 0 % financing for 6 or 12 months ( deferred interest ). XXXX/Capital One calls this " Same As Cash ''. We have XXXX XXXX and XXXX cards that we also utilize the special financing on. However, only on the XXXX cards do we get charged random interest. I have attached the last two months statements for you to review. I'm complaining that they use an unethical, illogical method that unnecessarily charges the consumer interest at 25.99 %. They apply the payment amount in excess of the minimum payment to the Same As Cash Credit Plan with deferred interest that is ending within 2 months of the actual expiration date rather than paying off the Regular Purchase amount. This defeats the purpose of buying something with special financing. If they are applying my payment to the special finance balance 2 months earlier then it is technically not zero interest for 6 or 12 months. Their method is not industry standards and they fail to mention anywhere on the statement the minimum amount the consumer has to pay to avoid any interest. They did credit the interest to us in both instances but they made it like they did it as a one time courtesy. I am paying off the balance in the next two months and cancelling both cards. I would kindly ask you investigate this to see if what they are doing is legal and ethical because I'm sure many other consumers are being affected like me.
Product: Debt collection

There is a company reporting inaccurate information on my credit report. I have reached out and have been unsuccessful in my opportunity to get those things removed and deleted from my credit report. This creditor is reporting that I owe XXXX and I have not authorize nor did business with this creditor. I am asking for verification that this debt is valid and where did they get this information from.
Product: Mortgage

My mortgage was put in to C or lower paper when I had better credit. Since that time, the mortgage was sold and is being serviced by a handling company- Select Portfolio Services Inc . I have made numerous attempts to move to a HARP loan based on the value of my property vs. the current market value. These attempts have been thwarted, as we can not determine who actually holds the loan. This is very frustrating as I qualify for a much lower interest rate over what the current loan is charging.
Product: Vehicle loan or lease

Capital One Auto Finance is misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and experian about this issue 4 times now. 

US Dept of Vets is reporting incorrect information on my credit report. I have asked the credit bureaus 4 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect : No of Months ( terms ) - there was never an agreement! 

High Credit - This was not a loan! I never borrowed money from them. They OVERPAID me. then sent me to collections, even after they received their money back! 

Payment status - this is not a collection/chargeoff! 

Date Last Active I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Product: Money transfer, virtual currency, or money service

Person selling concert tickets gave me fake information and somehow managed to duplicate one transaction into 4. More phone numbers are using the same method of scamming through app called " XXXX XXXX  XXXX. '' Selling band " XXXX '' tickets at XXXX XXXX XXXX  XXXX on various dates. 
Phone numbers in addition to one who scammed me : XXXX XXXX All out-of-state land lines demanding to use Zelle for payments for same events.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : 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  EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have requested a 1099c for my account that they have written off {$130.00} on but continue to report as past due {$130.00} as past due they have refused to send this information to me or delete this from the credit bureaus. The IRS considers a charge-off to be income doesn't belong on credit report, so this I gross or ordinary income. Income like-this on my report isn't accurate. 


15 USC 1681 5-2 ( a ) ( 1 ) ( A ) : A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information IS inaccurate and ; the information is, in fact, inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I have attempted finding intricate information on this somehow my monthly payment is over XXXX but i only have XXXX available if I wanted to take it out with them. The payoff amount is like XXXX and for every XXXX I put in it only goes down like XXXX bucks
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with ALLY FINANCIAL XXXX Balance -. I have always made my payments on time yet there was a 60-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Describe What Happened United Auto Credit has engaged in multiple harmful practices that have significantly impacted my credit and financial well-being : 1. False Reporting to Credit Bureaus : - They have falsely reported late payments to the three major credit bureaus ( XXXX, XXXX, and XXXX ). 
- These false entries began appearing on my credit report around XX/XX/XXXX and continue to negatively affect my credit score. 
- I have not received any explanation or proof from United Auto Credit to justify these reports.

2. Predatory Lending Practices : - United Auto Credit used unclear and deceptive lending terms, which I now believe qualify as predatory practices. 
- They did not provide clear disclosure forms or proper documentation at the time the account was opened or during its servicing. 

3. Actions I Took : - I contacted United Auto Credit several times between XX/XX/XXXX until XX/XX/XXXX to dispute the late payment entries and requested supporting documentation, but they failed to respond adequately. 
- I reviewed my records and confirmed that the information they reported does not match my payment history. 

4. Actions by the Company : - Despite multiple attempts to address these concerns, United Auto Credit has not provided any disclosures or evidence to justify their reporting. 
- They continue to share incorrect information with the credit bureaus, causing ongoing damage to my credit profile. 

Specific Request : Cease All Contact : I request that United Auto Credit stop all direct communication with me. 
- Correct Credit Reporting : The company should amend my credit report to remove all inaccurate late payment entries. 
-Delete the Account : I am requesting a full deletion of this account from my credit reports with XXXX XXXX XXXX XXXX and XXXX XXXX 
-Provide Disclosures : United Auto Credit must provide all disclosures and documentation that validate their credit reporting actions, as required by law. 

Impact : These false reports have harmed my credit score, affecting my ability to obtain credit or loans under reasonable terms. Additionally, the lack of disclosure and transparency has caused me undue stress and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of XXXX/XXXX/XXXX I learned, via The XXXX XXXX that Equifax experienced a data breach starting in XXXX XXXX lasting until XXXX XXXX that included significant personal identifying information, including social security numbers and credit card numbers. I subsequently learned that they had set up http : //www.equifaxsecurity2017.com/ and used that website to check if my data was included in the breach. 

According to the website, they thought I might have been. I tried to make sure I had not agreed to their arbitration clause and did not sign up for their " free '' credit monitoring program, and mailed them a letter to that effect. I expect it to be postmarked XXXX/XXXX/XXXX. 

I also called XXXX to initiate a 90 day fraud alert. The call was placed at XXXX PM on XXXX/XXXX/XXXX from my cellphone and lasted 3 minutes and 49 seconds. 

I have been told that I should freeze my credit, but also that it costs money to do so, as well as to later thaw it, and that I would have to do so with Equifax as well as XXXX and XXXX. This is unacceptable since Equifax is responsible for losing my data. 

Additionally, Equifax did not notify me that they had a breach, and they did not publically announce it via press release until well over a month after it happened. Their equifaxsecurity2017 website looks like a phishing scam and has a forced arbitration clause as well as a class action waiver in its terms of service, and it never presented any such terms to me nor did it ask if I agreed to them, rather I later learned of them via social media.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2022 I noticed that I had a charge off that came up on all three credit reports. I immediately called the financing company that submitted the charge off and found out the company had a charge for XXXX XXXX. I immediately contacted the dentist who told me that I was not the patient that had the work done and it was an obvious case of fraud. I called the financing company back in XXXX with a letter from the dentist stating that I was not a patient nor had I ever been in their office. 
I was able to get XXXX, XXXX and TransUnion to get this removed. However every XXXX to XXXX months TransUnion posts the XXXX XXXX XXXX on my credit report causing my credit score to drop even lower than it already is. 

Not only reporting this again but also harrassing me with phone calls. Please help me to get this taken care of so it doesn't reappear every few months. This is not my account. This is for a dentist who I have never been to in my life and the time the procedure was preformed, I was in XXXX XXXX on vacation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING FOR TWO YEARS SINCE EQUIFAX HAD THEIR FILES STOLEN TO GET MY NAME CORRECTED AND THREE ITEMS REMOVED FROM MY CREDIT REPORT WITH NO AVAIL.SO THIS IS THE SECOND COMPLIANT THAT I HAVE FILED WITH CFPB, THEY JUST LIE AND IGNORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.