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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/2019 Balance {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, trans union actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that there are multiple errors when it comes to my personal information. And I need all of this fixed immediately. 

My only name is : XXXX XXXX XXXX My date of birth is : XX/XX/1984 My Social Security number is : XXXX My only address is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX My only phone number is : ( XXXX ) XXXX Any personal information other than the information listed above is inaccurate, fraudulent, and I do not recognize it. Therefore, I want the personal information listed above to be the only personal information that appears on my credit report.
Product: Mortgage

In XXXX of XXXX, I began working with XXXX XXXX XXXX to receive a loan modification. I was told by XXXX XXXX XXXX not to make my house payment during the modification process. I provided information for them to work with Citifinancial to ensure that I would receive a loan modification. In XXXX of XXXX Citifinacial offered a forbearance and XXXX XXXX XXXX rejected the offer and submitted more information to Citifinacial for a loan modification. In XXXX XXXX XXXX XXXX had me sign a waiver allowing them to have power of attorney so that they could continue to work with Citifincial. XXXX XXXX XXXX told me Citifinacial refused to work with them any further without the waiver. So I sent a power of attorney to XXXX XXXX XXXX. I have tried to contact XXXX XXXX XXXX but was not getting call backs. I never heard anything from Citifinancial stating they had lost contact with XXXX XXXX XXXX and were not going to offer me a loan modification. In XXXX XXXX I received paperwork stating my home was be foreclosed and sold XXXX XXXX, XXXX. This is when I realized XXXX XXXX XXXX had closed its doors and scammed me and my family. I have been in contact with Citifinacial and would like to either have a loan modification or just start making payments. I do not want to lose my home. This has been a very stressful and unsettling time for myself and my family.
Product: Checking or savings account

I XXXX a deposit a total of {$700.00} to a company I was communicating with concerning renting a home turned out to be a scam.
Product: Payday loan, title loan, personal loan, or advance loan

I applied as a joint applicant for a personal loan on XX/XX/year> online on the Penfed Credit Union website for the loan amount of {$13000.00} after my husband was denied for a personal loan. We were denied on the joint application. I spoke to Penfed to understand the reason for the denial as I have an outstanding credit score/history. Penfed indicated that they would be mailing a letter of denial with the denial reason. We both received the letter of denial with the same reasons of denial as follows : utilization of accounts, number of accounts, and/or occurrence of a derogatory event.

The reasons provided by Penfed for denial are ambiguous due to the fact that : - On the same date, XX/XX/year> after the denial from PenFed my husband applied as a single applicant for the same amount and loan type with another lender online and was approved in minutes. 

In addition my credit details are as follows : - Credit score of XXXX ( according to Penfed ) and XXXX reported by XXXX - A credit usage percentage of 28 % ( less than 30 % is considered good ) - No history of late payments - No negative or derogatory history Due to the reasons for denial being untrue and my strong and solid credit history. I have no other reason to believe that disparity is confirmed and that I was denied due to the fact of being an XXXX XXXX with a XXXX name. This leads me to believe that PenFed is engaged in unfair credit lending practices.
Product: Credit card

On XX/XX/year> I received a letter stating that the interest rate for my Sears Citibank card will go up to 34.24 %. Isn't this an exorbitant amount? Isn't this XXXX? I would like to know if this is legal. Wasn't 22-24 % enough? 

Thank you, XXXX XXXX
Product: Debt collection

on XXXX XXXX, i sent merchant adjustment services a letter requesting the validity of the alleged debts as follows : MERCHANTS ADJUSTMENT SERVICE, INC ATTN : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : DELETION OF INACCURATE ITEMS ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal co
llection activities on any account that may be time-barred as well as violation of MISSISSIPPI medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me XXXX XXXX. Please rectify this error promptly by updating my account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
Product: Mortgage

I hold a mortgage, 2 checking accounts and a money market with Navy Federal Credit Union. For 3 days NFCU 2 factor authentication has refused to let me into the account. I have tried to verify through the app, e-mail and text message but clearly there system is not working. Given that I have a access number, telephone passcode, a drivers license and multiple other ways to prove my identity this should not be a problem. I have called 7 times spoke to 11 different people none of whom have even attempted to assist. NFCU is engaging in a denial of service and account access to include fraud. Representatives have lied repeatedly, Including one who refused to help because I did not receive a text that she " sent '' which she obviously malicely lied about sending it in the first place because the agent after her also manually sent a text and that one I got. I ask for a supervisor and never get one, they just hangup when they say hold for transfer. No one will admit this is their problem or even attempt to assist. The agents are rude, and unprofessional, who go out of there way to not help. After trying to resolve this on XXXX XXXX and XXXX it is clear that this is a deliberate act by NFCU. I formally allege NFCU is engaging in fraud by deliberately locking customers out of their accounts and then refusing to assist them. I respectfully ask CFPB to intercede and help bring this to a resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple inaccuracies on my credit report that are causing significant harm to my credit score and overall financial standing. Specifically, Ive noticed several charged-off accounts and late payments that are being misreported. These accounts are inaccurately listed with details such as credit limits, past-due balances, and late payments, which are inconsistent with how charged-off accounts and timely payments should be reported. These errors are not only misleading to potential lenders but also unfairly damaging my credit profile, making it more difficult for me to access financial opportunities. The late payments reported are not accurate, as I made all payments on time, and yet these incorrect marks continue to appear, further harming my credit score. Ive worked hard to maintain accurate financial records, and it is deeply frustrating to see these mistakes persist on my report.
Product: Credit reporting or other personal consumer reports

For the record, your response about specific, is a simple, if its not benefit to my interest, it my right to privacy to have it removed. 

I am the beneficiary, your are the trustee and you serve the needs of this account. 

There is not a need to verify with other companies, this is about my profile, and we do not benefit from adverse claims. 

So charge offs, late payments, delinquencies. 

It took 30 days for you to respond to my questions, which werent answered, instead you tell me be specific. 

If its not good, its gone. If you have discussion to remove or keep things, then you are my servant. I am your master. I am beneficiary, you are trustee, ok. 

Take these adverse claims and remove them at once, its your responsibility to have my best interest being a fiduciary capacity. 

You are trustee and serve me the beneficiary, got it no more usury and denial of due process. Get to work, you have dispute to remove. :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in hope that you may be able to help me, I have been trying to get Inaccurately reported information remove from my credit report that is being sent in from Bank of America. 
Bank of America has reported to the three-credit bureau XXXX XXXX XXXX, XXXX, and XXXX ) erroneous and misrepresenting claims, I have sent in dispute letters to the credit bureau 's , showing that this is derogatory information and to no avail Bank of America still sends in misrepresenting and derogatory information, I respectfully request that this misleading information be remove from my credit report under the fair credit reporting act.
Product: Debt collection

Company is reporting to XXXX and XXXX but has failed to produce accurate and complete information regarding debt. For example the bills of XXXX different patients were combined on XXXX statement but there are no signed patient responsibility forms for XXXX of the XXXX patients. Also there is no indication which patient 's bills were credited with payments and insurance reimbursements and therefore it is impossible to determine whether I am responsible for any of the bills presented. Attempts to get more info from company by phone is met with hostility and a demand for payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed ; According to 15 USC 1681 : I have the right to privacy and i did give Equifax written permission to furnish these accounts. Furtheremore, These accounts are a product of IDENTITY THEFT. 
Under 15 USC 1681b ( C ) : Furnishing reports with credit or insurance transactions that are not issued by the consumer, ( 3 ) information regarding inquiries, A consumer reporting agency shall NOT furnish to any persons a record of inquiries in connection with credit and insurance transactions that is not initiated by ( ME ) the consumer.

15 USC 1682c ( 2 ) " BLOCK OF INFORMATION RESULTING IN IDENTITY THEFT '' I have called and spoken to supervisors at Equifax consumer reporting agency to address this matter and have been disrespected, when i have tried to have them remove these false accounts and inquiries. They have continued to violate my rights under the FAIR CREDIT REPORTING ACT. These accounts are a product of Identity Theft : XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXX. XXXX XXXX XXXX, Acct # XXXX XXXX. XXXX XXXX XXXX, Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that have been fraudulently reported under my credit profile. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), as my personal information and identity were compromised, resulting in the unauthorized opening and reporting of the following accounts : 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 XXXXXXXX These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 15 U.S.C. 1681 Section 602 ( a ) Protecting my right to privacy and safeguarding against inaccurate reporting of accounts not belonging to me. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent. I have attached supporting documentation to substantiate my dispute, including : A personal statement detailing the circumstances surrounding the compromise of my identity. Records pertinent to my case. I respectfully request that the CFPB initiate a thorough investigation into these accounts, verify their validity, and ensure their removal from my credit profile. Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.
Product: Credit card or prepaid card

Capital one, has two fraudulent accounts reporting to my personal consumer credit report, which is encumbrances to me, this is effecting my credit worthiness, and causing me harm. I used this verbiage Capital one does not have my consent to use any identifying information and all said information is to be purged immediately or destroy immediately from their system. Any further use of identifying information pertaining to ( XXXX XXXX ) is deemed aggravated identity theft as described in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the XXXX, XXXX includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the XXXX 's XXXX, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the XXXX Moreover, if my XXXX has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. 

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so XXXX result in penalties outlined in the GLBA, including fines and potential legal action. 

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.