23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed the account XXXX  XXXX XXXX XXXX, was reporting some inaccurate information to the major Credit Bureau Experian. I noticed that the Date of Last Activity, Date Opened, and Payment Frequency was reporting differently across all three credit reporting agencies. I submitted a factual dispute to Experian showing them the errors on my credit report. Based on the information I provided them, I told them that based on the inaccurate information that was being reported on my credit report, the resolution I would like is for the erroneous information to be deleted off of my credit report. Experian performed and investigation but did not give me the results that i requested, nor did they update any information that was reporting inaccurately. I will submit documentation of the letter that I sent them and I will also provide their correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an 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 1681 s-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. 


XXXX ACCOUNT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint because Equifax because this is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. On XX/XX/2022, I spoke to a representative in the consumer affairs department for hour and 46 minutes and I was promised the account will be removed from my credit report. My Information has been compromised and there has been an account open with XXXX XXXX ( Original Creditor : XXXX XXXX  ) without my authorization. I have contacted original creditor and they have agreed and close out the account because I have no signature on file with them to open in any accounts in my name. XXXX removed the account from my credit on XXXX XXXX and XX/XX/2022 XXXX has removed the account from my credit report. Admission is to deletion, the other credit bureaus have removed it then Equifax should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Equifax has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Equifax also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, Equifax did not REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but they gave me the run around and read of scripts to get me off the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Discover bank are fraudulent accounts please remove these from my credit report immediately. 

I have no recognition of either account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ChexSystems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Consumer ID : XXXX SSN : XXXX XXXX To Whom It May Concern : My bank has informed me that there is negative information reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$580.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing Account Abuse, and Checking Account Fraud. Issued date XX/XX/XXXX : XX/XX/XXXX and XX/XX/XXXX. Please validate this information with XXXX and XXXX XXXX XXXX and provide me with copies of any documentation associated with Account Abuse and checking account fraud. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. 
Sincerely, XXXX XXXX
Product: Credit card

I purchased some goods from an XXXX XXXX  site. The store owner ended up being a scam artist and took two payments totaling in {$750.00} and never sent the goods that I paid for. I reached out to my bank ( Chime Financial Inc. ) four separate times to file a dispute and each time they denied my dispute claiming there was no error found I sent over 20 documents supporting That I had a case of non-receipt of goods. Currently still, Chime has denied my most recent claim. They also sent me a link, providing documentation from the merchant, which held nothing. I was also told by an agent that they had no information from the merchant to support there was no error found. I have tracking numbers multiple email screenshots and message screenshots from the XXXX XXXX. I also have confirmed that the XXXX XXXX  owner has been removed for doing this scam to multiple people. The scam now is that Chime will not send me my money back after I was taken advantage of.
Product: Debt collection

I have this secured credit card since XXXX  And I owe {$110.00} and i try calling but no one can resolve this issues. I dispute this also
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from any credit report, immediately : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 


How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was under the mortgage modification program with XXXX XXXX. I follow the plan with payments. All payments were on time. XXXX XXXX reported my mortgage late 60 days to all credit bureaus. I called to dispute this with XXXX XXXX and they said there is nothing they could do for me to correct the mistake. I disputed the information with the credit bureaus and XXXX XXXX did not correct the error. I received a letter from XXXX XXXX XXXX saying they made the error. This error caused my refi request from XXXX XXXX XXXX to be declined. This error cost me Thousands of Dollars in interest because I could not refi the XXXX XXXX Loan. I am still paying 1.0 % over the current rates today.
Product: Credit card

This account constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The account in question is : U.S. BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I opened an account with Santander Auto Loans for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manager. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from Santander and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by Santander XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested validation and verification of a bankruptcy with Lexis Nexis that has been reporting to the credit bureaus. After 30 days I received a response from XXXX stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how XXXX or Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Product: Mortgage

We suffered water damage to our home which resulted in an insurance claim.  We followed the recovery procedure beginning with our insurance company.  They estimated the damage, and as required forwarded insurance claim documents to our lender including a check for XXXX.Our lender advanced us XXXX on XX/XX/XXXX.  On XX/XX/XXXX, we submitted a request for an inspection to release the remaining funds as the repair work was almost completed.  We have been advised by our lender that no additional funds can be released until an inspection has been made verifying the repairs.  Since XXXX XXXX, we have spoken to a representative of the lender's insurance claim department 11 times informing them that we have not been contacted by an inspector.  Each time they advised us they would ask for a new inspection and were told we will be contacted by an inspector to schedule an inspection.  We have never received that call.On XX/XX/XXXX, the project was completed.  On XX/XX/XXXX our insurance company gave us a final payment of XXXX which I am reluctant to forward to our lender.  During this entire time, we have used money from our savings to pay our contractor's bills.The name of the lender is Loancare.  Their insurance processing center is located at XXXX XXXX  XXXX, XXXX, SC XXXX.  Loancare's tracking No. for my claim is XXXX.We appreciate your assistance with this matter as we have no other recourse.
Product: Debt collection

The creditor, XXXX XXXX XXXX XXXX of XXXX University, has contacted me repeatedly throughout XXXX attempting to collect a debt they allege I owe. I resigned from their organization in XXXX of XXXX. I responded to every email with a request for an itemized bill of my " outstanding balance '' but was never once received a response. My last contact with them directly was XXXX of XXXX. In XX/XX/XXXX, I received a collections notice from TSI systems stating I owe {$190.00}. I later received what I believe is supposed to be a Notice of Debt from TSI, but it did not include any itemized or detailed information about the debt in question. It listed the account number and amount due but no further details. I believe the pursuit of debt in question is invalid on the basis of never receiving a requested bill in the first place, but it is my perception that TSI has violated the new regulations under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting

I am disputing the findings of TransUnion Consumer Reporting Agency because it failed to properly and adequately investigate my claims in the dispute against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead TransUnion Consumer Reporting Agency supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. TransUnion Consumer Reporting Agency did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX that its summary of statements were accurate, hence unfairly confirming the position of XXXX against me based on inaccurate accounting ( attachment G, H ). 
5. TransUnion Consumer Reporting Agency did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
XXXX. TransUnion Consumer Reporting Agency refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.