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

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

wehave contacted on 3 occasions; XX/XX/XXXX,XX/XX/XXXX, and ,XX/XX/XXXX(certified letter) of XX/XX/XXXX sent corrections in for fraudulent debt to equifax(XXXX XXXX, and XXXX have cleared these debtsand have provided reports when requested)) . i have requested updated complete credit reports, but they have refused to send the updated reports so we would know what to fix next. all we got was a 1 page letter with acknowledgement of contestation with notation stated either deleting debt, or investigating debt but it dosen't state which debt
Product: Credit reporting or other personal consumer reports

Three credit reporting agencies continue to post negative and late Payments Made by XXXX XXXX XXXX, Who has REFUSED to supply the proper documents the the DIFS as to why we did not receive the goods and services we prices but continue to charge us for them. Credit reporting agencies could care less, and are now part of the reason we are having a finical crisis from the banks fraud to the agencies continued reporting. They refuse to address the issue after several complaints have been made and Feed back provide. My husbands score has decreased nearly XXXX points from this banks fraud and being allowed to continue to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Process started XX/XX/2020 and no progress so far on the incorrect credit info
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/2018 I accidently sent {$610.00} from a Bitcoin cash wallet on Coinbase to a Bitcoin Wallet XXXX ) on XXXX. Here is the XXXX. I have tried reaching out to COinbase and XXXX for the last 4-5 days requesting that the funds be credited to the proper account. I have received no response from XXXX or Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 personal loan account opened at XXXX on XX/XX/XXXX with a balance of {$2500.00}, an personal loan XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX with a balance of {$8400.00}, a personal credit card XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$120.00} and the account XXXX, a credit card XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX, XXXX account number XXXX with a balance of {$840.00}, XXXX opened XXXX XX/XX/XXXX with a balance of {$1600.00}, XXXX opened on XX/XX/XXXX with a balance of {$990.00}, a secured XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX account number ending in XXXX with XXXX balances of {$13000.00} and {$4300.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. Inquiries are XXXX XXXX XXXX XXXX and XXXX XXXX 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 # XXXX as proof from the XXXX 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, credit repair services, or other personal consumer reports

DON '' T ASK FOR THE SAME INFO THAT'S PROVIDED HERE TO SUBSTITUTE AS A RESPONSE!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo, XXXX last 4 SSN # XXXX DOB # XX/XX/XXXX CFPB advised that they provided the info you have already asked to find my credit file. So there's no need to ask for it again & claim that is an actual response. Violation # 2 I have attempted on 4 occasions to get the incorrect reporting resolved via XXXX & XXXX. Each time they " claim '' it was verified via XXXX XXXX XXXX ( XXXX & XXXX ) and the account is never corrected. It has been public knowledge that XXXX XXXX XXXX has been negligent in erroneous credit reporting. In my case, I was NEVER 90-120 days late, the account was transferred away from them, however, XXXX XXXX   XXXX continued to report it as 120 days late. Further, how could I be on time XX/XX/XXXX, then XX/XX/XXXX, I am then now 120-149 days late?! That's is not mathematically possible. If the dispute was actually handled & investigated at all, that would have been easily discovered that if someone human actually put their eyes on it to see.This is reported 9 times on this account From XX/XX/XXXX-XX/XX/XXXX. This has done severe damage to my credit access.Please remove these 9 erroneous delinquent entries on my credit reports.
Product: Debt collection

Over the last several years My phone number has been called by various collections-telemarketers as debt has been sold and resold down the line. I have repeatedly asked for my Tel. Number to be removed from the call list concerning this individual whom I do not know. ( XXXX XXXX ). The latest company to call me, after being told they have the wrong number, is continueing to call.
Product: Credit card

Apparently Paypal issued me a credit card at some point ... I honestly have no idea if I applied for it or not. In XXXX I made a transaction for the amount of XXXX via Paypal as I always do and expected the money to be withdrawn from my bank account as it always for over 10 years. For reasons beyond my understanding this particular transaction went on the credit account unbeknownst to me. Late fees and charges totaling over {$60.00} were assessed in XXXX and XXXX of 2016. Paypal was sending me emails but since I had never used Paypal Credit before I had no whitelisted that email address and those were going into my Spam folder so I never saw any of them. Today I got a call finally from them and had no idea what the lady was talking about. She said I had to pay the full amount, which I did, but I argued I had never received actual notification and that a letter or a call earlier would have avoided me having been assessed the late fees. I feel like the delay in contacting me served only to benefit Paypal and I think their policy and procedure regarding cases like this should be changed as it is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I became aware none of the XXXX major credit reporting companies show my XXXX XXXX XXXX/Phillips 66 XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this XXXX credit card account since the XXXX 's and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that Synchrony Bank is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.
Product: Credit reporting or other personal consumer reports

In accordance of the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

THEIR IS A COLLECTION ACCOUNT WHICH IS NOT MINE AND IT VILOATES MY RIGHTS IF IT WERE MINE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX. 

3. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I request that my previoous address be updated accordingly. 

3. Employers : My current employer is XXXX XXXX XXXX XXXX please I request that be updated as my primary employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested updated information for a paid balance in XXXX of XXXX to the State of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my one payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.
Product: Debt collection

On XXXX/XXXX/XXXX at appropriately XXXX I contacted a male by the name of XXXX XXXX who had been harassing a friend in regards to a debt they say is from XXXX. XXXX XXXX of XXXX XXXX and XXXX stated that XXXX XXXX brought this debt from HSBC. He went on to say that they will be serving me papers for court to sue me and if I did not pay they would be garnishing my checks or seizing my bank account unless settled before court. I informed him I do n't recall this debt and how am I sure its mine he presented me with information he had and stated that its clearly is mine. I told him I am not sure of this debt. He went on to say that they will be serving me next week at my home or come to my job. On XXXX/XXXX/XXXX I called the number that he left. A gentlemen answered I asked who was I speaking to he stated XXXX XXXX I asked what is the name of this company he stated XXXX XXXX XXXX. I then asked for the address of the company in which he refused to give me unless I provided him with docket number. I feel as though this is a violation I not sure if one needs to give there docket number in order to receive the address of their business which should be public information. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative. Please repair this account ASAP.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To : CFPB From : XXXX XXXX. Last 4 of social. XXXX. Birthdate XX/XX/XXXX I am again disputing the Honda Financial inquiry dated XXXX from Honda Financial on my credit report. 

I have disputed this several times and seem to get the run around every time. Perhaps I didnt explain it well enough. Hopefully someone will read this and understand what happened. 

Today I talked again to XXXX XXXX who wrote the attached letter to me on XX/XX/XXXX. 

We talked about the unauthorized credit pull on XX/XX/XXXX. We talked about the origin of this pull, and he said that they didnt pull it, that the dealership had. 

I went back to the dealership and asked them to verify it. I did that in XXXX of XXXX and they sent me the attached email, telling me that they didnt pull it. 

So, I have asked Honda to remove it and they said they cant. 

I have asked XXXX to remove it and they come back with a factual statement that obscures their failure to remove an unauthorized pull on my credit report on XX/XX/XXXX. 

It seems that the CFPB wields the power, and they should tell Honda to remove it. 


Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXXXXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : TD BANK/TARGET CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Student loan

In summer 2021, I received notifications to recertify my XXXX despite the COVID-19 forbearance/moratorium on all federal student loan payments. I completed the IDR so as to not default on any PSLF payments, and my amount due tripled. I recently learned that during the COVID-19 forbearance period, I was NOT required to recertify my XXXX payment plan despite reminders from FedLoan Servicing that I needed to complete that paperwork. I'm trying to contact FedLoan to revert back to my old payment plan as I'm legally allowed to do so. FedLoan was VERY misleading and never informed me of this. I only found out about this incredible cost-saving option through XXXXXXXX XXXX PSLF thread. The fact that no one is advertising this will have serious financial implications for those who got married, had children, or other major life events during the pandemic.
Product: Credit reporting or other personal consumer reports

Dear CFPB & Equifax, On XX/XX/2023 I filed a complaint asking for the investigation into account listed on my consumer report that believe to be inaccurate and I requested an investigation. There are still items remaining on my credit report that is not accurate and I request the deletion of these account immediately. XXXXAccount # XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXXXXX XXXX-Account XXXX Furthermore I request the deletion of the unauthorized and unverifiable late payment reporting on my report dated XX/XX/2023 for XXXX XXXX XXXX XXXXXXXX15 U.S. Code 1666b - Timing of payments ( 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.15 U.S. Code 1666b - Timing of payments FCRA , specifically 15 U.S.C. 1681, Section 602 ( A ), affirms my right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( A ), Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c, ( a ) ( 5 ) Section sets forth that no consumer reporting agency may include specific items of information in a consumer report, including " any other adverse item of information, '' except for records of convictions of crimes that predate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I demand the removal of these erroneous accounts and late payment. With the following attached proof that these accounts is not in compliance with the FCRA. The mentioned account has violated my right. I demand immediate deletion of mentioned account and late payment. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), I am seeking a detailed description of the procedure employed by your bureau in providing all relevant information to the original creditor during the processing of my dispute. As stipulated in FCRA 611 ( a ) ( 2 ) ( b ), it is my understanding that your agency is obligated to forward all pertinent information to the original creditor to facilitate a thorough investigation of my dispute. Therefore, I kindly request that you furnish me with ALL information utilized in your investigation, as mandated by FCRA 611 ( a ) ( 7 ). Please ensure that your response is sent via mail to the address listed above. I wish to remind you that, per FCRA regulations, you are required to provide this information within 15 days or, alternatively, delete the negative items from my credit report.