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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

they reported a company on my report that I never did business with XXXX XXXX XXXX, they confirmed that, how? 
I sent in my bankruptcy paper and showed I filed and was granted it, for the account number in question.m on XX/XX/XXXX The name of the company was XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. 
the account they referred to was under XXXX XXXX XXXX XXXX this is the company i filed under the bankruptcy. 
now after XXXX and a XX/XX/XXXX XXXX XXXX added it to my credit file on XX/XX/XXXX, after they bought XXXX XXXX XXXX XXXX, how? 
how can they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for about 3 months to solve this problem with the credit agency that reports this negative, incorrect, inaccurate information in which is the second dispute that I make through you for that same problem, because the company was in charge of saying that they could not continue with the investigation because they could not confirm that I was the person, so I hope that this letter will be taken into consideration. 

In the month of XX/XX/2023 I started a dispute with this company and they only update the information claiming that the information is correct and verified but in the attached documents they could see that the information they share is exactly the same, having multiple errors where they first show a verification of 22 months of the account but they only report 20 months of payment history, they show apart only 7 months as payments and the. 

The account to be disputed is that of XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

Nelnet is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Nelnet continues to report this erroneous information on my credit report. I have attempted to speak with a Nelnet representative about this mistake and they are rude each time I call and refuse to remove this information.
Product: Credit card or prepaid card

I want this to reach the eye of the Capital One Corporate Office Vice President in charge of Customer Relations. 
I have ( had ) 2 Credit Cards with Capital One Bank for several years. I have never been delinquent in my payments and currently carry a {$0.00} balance on both cards. I have had Authorized Users, including my wife and child for many years. a few months back, I used the Capital One online service to add some Authorized Users to each of the Accounts. I noticed that they had not reported for over 2 months, so I called to inquire. To my dismay, I was automatically sent to their Fraud Dept. I was told that they needed the Signed SS Cards and the Front and Back of each Authorized User 's Driver License. I have provided ALL but one SS Card but submitted a W2 in lieu ( This compliance with Capital One 's policy to provide these many documented proof should serve as good faith and I should not have my cards remain closed. ) I then called back to confirm receipt. At that point, I was told that the accounts have been permanently CLOSED. No reason was given. I called back several times to get a reasonable explanation and to get the cards reopened because of a possible mistake. I was subsequently told that my accounts were closed due to returned payments on this or other related accounts. That is in fact NOT TRUE. I have NEVER had been delinquent with this company, nor do I have delinquencies with any other account, related or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this matter for the past couple years. This outstanding student loan balance was originally satisfied and closed. It reappeared on my credit and equifax deleted it but now its another account through same lender. This information being reported is incorrect and this account is still reporting on my credit even though the status says closed. I have supporting documents to show when it was deleted before on my credit monitoring site.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated they investigated my account and issue correctly but this is not true because experian is still reporting account name XXXX XXXX  account number XXXX i already got this removed from my other two reports but experian insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation.

15 USC 1681 section 602 A. states i have the right to privacy.

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

The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX  ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX, 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
Product: Debt collection

XXXX  accepted an application from a thief and I sent them my police report that I never had this loan.someone got in my bank account stole money and un knowingly XXXX took money out of my bank account I asked them to send me back the money they stole instead they say it isn't fraud.the application doesn't have my email and contains incorrect facts like I'm on XXXX which I am not .this is wrong my identity was stolen.
Product: Mortgage

On XX/XX/2020 SPS ( Select Portfolio Servicing ) performed an " Audit '' of my mortgage account as documented by notice. Following the " Audit '' the account was paid in full with an escrow balance. The notice they sent claims the previous servicer of the account, XXXX XXXX XXXX XXXX, overcharged interest rates on the ARM, improperly adding a floor rate cap. An overpayment of {$34000.00} on an original {$48000.00} mortgage occurred. The ARM interest charge apparently had been wrong since possibly the inception of the loan, but the lender will not give the borrower the specific loan details over the lifetime of the loan. The most recent interest rate adjustment by SPS was incorrect as documented by notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a critical issue regarding fraudulent files that have been inaccurately reported by XXXX XXXX and XXXX XXXX XXXX on my credit report. The erroneous entries associated with Bank Account Number XXXX by XXXX XXXX and Account Number XXXX by XXXX XXXX XXXX XXXX not pertain to my rightful name or information. These fraudulent files are significantly impacting my XXXX XXXX and financial standing. 

As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ), credit reporting agencies and debt XXXX are mandated to ensure the accuracy, fairness, and privacy of consumers ' credit information. The presence of fraudulent files by XXXX XXXX and XXXX XXXX XXXX on my credit report is a clear violation of these laws and my consumer rights. 

I have previously engaged with representatives from both XXXX XXXX and XXXX XXXX XXXX regarding these fraudulent entries. Despite my inquiries, the representatives were unable to provide any substantiated information or documentation related to the files. Furthermore, the original companies associated with the accounts have confirmed that they have no record of any information pertaining to my rightful name or details. 

In light of the aforementioned circumstances, I am formally requesting the immediate removal of the fraudulent files associated with Bank Account Number XXXX by XXXX XXXX and Account Number XXXX by XXXX XXXX XXXX XXXX XXXX credit report. These inaccurate entries not only misrepresent my financial history but also pose a significant hindrance to my creditworthiness and financial well-being. 

I implore Consumer Finance to take prompt and decisive action in accordance with the FCRA, XXXX, and FDCPA to ensure the expeditious removal of these fraudulent files from my credit report. It is imperative that these violations of consumer rights and financial integrity are rectified without delay. 

I kindly request that you provide me with written confirmation once the fraudulent files have been successfully removed from my credit report.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I am providing you with my former employers  EIN numbers received from social security. In  XX/XX/XXXX . I worked for   XXXX   XXXX  . From  XX/XX/XXXX - XX/XX/XXXX  I was employed with   XXXX   XXXX  . I was employed with   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX . Their EIN # is  XXXX . I was employed with   XXXX   XXXX   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX .Their EIN  # is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased.  XXXX  is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing XXXX, XXXX to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX   XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I requested the company to provide me with an original sign contract which stated I had a contract with them. Thy could not provide a contract stating that I had a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of X/X/17 Equifax credit reporting had a massive data breach of potentially every user with a credit scores personal information including name, address, social security number, and date of birth. More than enough information to allow for identity theft of every user. After discovering the breach rather than immediately reporting they waited a week and executives sold stock in a blatant attempt at insider trading before the fallout of thge breach.
Product: Payday loan, title loan, or personal loan

Good afternoon! 

I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! 

Let me inform your company of some Laws protecting consumers. 
12 cfr part 1002 talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. 
Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. 

Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. 
Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. 

These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. 
This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! 
There is civil liability for violation of these laws! Please see 15 usc 1692k. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. 
Please forward this to your XXXX or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! 

Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! 

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

They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.
Product: Credit card or prepaid card

On XXXX XXXX  of XXXX. I went online to load more money to the account ( paid off previous balance ). My paid off balance did not go through due to Banking Holidays or unknown reason. 
The bank nor credit card company never notified me about the incident nor explained to me that the credit limit on my secured credit card is the deposit minus annual fee. Since the First Progress card is technically a prepaid card with my {$300.00} deposit hence {$300.00} credit limit. I used the card mainly to buy gasoline so I can have a better control and not exceed the so called credit limit. 
However some retailers ( Gas station ) do not generate or post a credit card sale at the same day. And I did not check my credit balance until the XXXX statement showed up in my mail box. I was confused about the charge. 
In XX/XX/XXXX, I contacted the Bank to discuss the charge and want to resolve the issue but they opposed it and add an extra fee for late payment and over credit limit amounted to {$100.00}. They closed my account on XX/XX/XXXX and gave me the negative report to date. I now can not get a Bridge Loan to cover my expense during this COVID-19 because of this mark on my credit and the credit card company will not help me with this unfair situation.