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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

Yesterday the company responded by saying they havent received ANY forms of documentation after their rep said they were updating and to call back in the afternoon. Still can not use my card!
Product: Debt collection

I am writing to dispute the necessary steps to rectify this issue. If isn't completed within 10 days, I'll file a complaint with the FTC. You must respond within 15 days, as required by law, to avoid violation. Failure to comply may result in fines of up to {$1000.00}. Please remove the inaccurate information reported for XXXX XXXX XXXX  within 10 days to prevent further escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have contacted you about this company and I'm about to get an atty, this account does jot belong to me. 

below is the info, this account dropped my credit score XXXX points and its stopping me from biyung my home. 

XXXX opened XX/XX/2018 ( I think, Im not sure now ) its reports closed
Product: Checking or savings account

I went to XXXX XXXX to workout on XX/XX/XXXX around XXXX for about 3-4 hours I put my gym bag in the locker room along with my personal items like my wallet, phone and other belongings. 


While I was working out someone went into the locker room and stole my belongings they were able to get XXXX $ out of my Us bank account and spend money on my credit cards as well. 

XXXX XXXX  started their on investigation and we both contacted the XXXX police department
Product: Payday loan, title loan, or personal loan

Mariner Finance have been reporting late payments and ruining my credit score. I've tried speaking to them several times about this issue and no one will talk to me about this account. One representative actually informed me that there's no account listed in my name. This has been going on since 2013 and I want to be compensated for this company ruining my credit score over six years.
Product: Credit card

This is a complaint against Chase Credit Card Business. The reason is that I am in a state of shock I do n't know the reason for you taking the decision to close the credit card of business for my company without contacting me in anyway to warn me or explain to me why they are doing this. They took a very drastic decision, violating my rights as a costumer. I consider that the decision they took is out the protecting of a consumer. I consider too that it is a disrespect towards my person and discrimination and lack of ethic financially. They closed the account and only sent me a letter after already closed that does n't say anything about the reason why they closed that account, because it is because of the letter I have a credit score XXXX which is a good score, I have been rightly paying of the card, so I do n't understand why you have abused of this and me and making me look like an XXXX and the card being declined without me knowing anything about it. I want to know if this is going to continue because Chase Auto has approved a car very expensive, that I have also paid off, I do n't want it that one day to find out I do n't have a car like you have done with the credit card. What type of institution have you have to be to be like this to the consumer where the consumer is in the right. What else do I have to wait from you? That you take my car and my house? Already that I have had a lot of products with you. I request that you clarify why you have closed my account and if you are going to continue this?
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up in accordance with the Fair Credit Reporting act XXXX  Account XXXX Account XXXX XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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, false information and, fraudulent accounts consist of a personal credit card account opened XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX  XXXX XXXX, XXXX under the account number ( private ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number ( private ), another collection account that was used for an apartment opened at XXXX XXXX XXXX on XXXX under account number ( private ), and another collection account that was used for a different apartment opened at XXXX XXXX XXXX XXXX XXXX XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US 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 or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 
XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. EQUIFAX MORTAGE SER The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on 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: Mortgage

The mortgage company refuses to stop withholding escrow. They transferred our loan to another division in their company so that they would not have to evaluate our mortgage. We submitted to them a letter stating we are except from taxes and they sent us a check for all of our taxes at the end of the year ( XXXX  ) so they know we have an exemption on file, in addition they refuse to pay our insurance so we have to pay for it on a monthly basis out directly to the insurance company and they send the information to the mortgage company letting them know we pay them directly. They refuse to discuss with us why they are still collecting escrow and where is the escrow money going. They are just collecting additional money from us without any reason or rationale. We are XXXX month behind and they are threatening foreclosure even though they have more than more than XXXX mortgage in escrow that doesn't belong to them.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received a text message from Moneylion stating that there was fraudulent activity on my account with a credit card that doesn't belong to me.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a victim of the large Equifax breech, it has taken me nearly 3 years to remove items from my reports. I have 2 accounts and a few inquiries that are being defiant. Please assist me in removing the remaining accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX/XXXX  Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX2024 and XXXX/XXXX/2024 ), the reported discrepancies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Date of Last Activity : XX/XX/XXXX/XXXX  Date Reported : XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Creditor Remarks : Account has been closed due to inactivity Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inaccurate. Other bureaus and my own records indicate no late payments during these months. 
Legal Violations : FCRA Violations : Failure to maintain accurate consumer information ( 15 U.S. Code 1681i ).

Failure to ensure proper notification of payment requirements ( 15 U.S. Code 1666b ).

TILA Violations : The Truth in Lending Act mandates accurate reporting to protect consumers creditworthiness.

Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction.

I urge Experian to address this matter promptly. Should the issue persist, I will escalate my complaint to relevant regulatory agencies, including the CFPB. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.
Product: Credit card

I ordered a XXXX radio from geejfone website. I received conference email from PayPal. PayPal then sent emails I set up daily payments that automatically withdraw payment of and equal to the purchase payment I already paid. 

Customer service has offered nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with Experian over a year ago. They kept putting incorrect information on my credit report, bringing my score down. In    XX/XX/XXXX    I had a  credit score  of  XXXX . On   XX/XX/XXXX  my score went down to  XXXX  due to a payment of {$140.00} that brought my credit card balance to  XXXX . My score has gone up  XXXX  points to  XXXX  as of  XX/XX/XXXX  with about $ 75k less debt. I find it interesting that the other credit bureaus have been changing a few points up/down depending on balances. Experian stays flat. FOR ALMOST A YEAR? that makes absolutely no sense. It also does n't make sense that my score would drop because I PAID OFF a {$140.00} debt. I am typically debt free. I have over $ 85k in credit available and pay off each credit card prior to the statement due date ( so I have no debt ). I 've paid massive amounts towards my auto and home loans, and have never been late, yet my Experian score has not changed since the  XXXX  point drop. That does n't seem right, does it?
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 has violated my rights. 

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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have added a credit freeze on my report since XX/XX/XXXX. I was a victim of a robbery in XXXX and XXXX. My social security number was also exposed through Equifax XXXX XXXX breach and XXXX information breach.. I am still getting letters in the mail for credit getting denied for things I have not applied for. I still have over 22 credit inquiries on my report from the XXXX and current. I was told I needed to send a copy of my ID, and ssn, and bill. I did that last time the lost it. I want all inquiries removed from XXXX, all the way through XXXX. Also they even have a address that is incorrect and the information on all 3 reporting agencieshave different incorrect information.Their should be no credit report. No car no credit cards no loans. Why I am I still getting credit inquiries with a freeze on my report. I also want to be compensated for there mess up
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX  Acccount XXXX Your company is in clear violation of the law. Under 15 USC 168b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) and consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions -- Except as provided in paragraph 3, the term consumer credit report include -- ( A ) Subject to section 1681s-3 of this title any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681 ( 2 ) ( a ) ( i )
Product: Debt collection

American First Finance company is scaming people out of money for payments. They charged me XXXX in leasing services and fees on top of the XXXX i owed on the furniture. 
I made a total of XXXX in payments on the furniture that i took out which are : bed XXXX mattress XXXX box spring XXXX dinette set XXXX dresser/mirror XXXX chest XXXX sectional and ottoman XXXX night statnd XXXX mattress protector- XXXX I sent back the sofa, dinette, dressor/mirror ( to a charity of choice which they said do and keep the reciept and send to them ). I sent them the reciept and they are still saying i owe XXXX. I have read severl reviews on this company and they are doing that to everyone. 

i have called the company on more than one occasion and they cant tell me what XXXX in leasing fees and serivces comes from or how they break it down " its just something the computer generates ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Equifax is reporting inaccurate account information from XX/XX/XXXX which is causing my score to be significantly lower than it should be. It shows last reported date as XX/XX/XXXX with a {$1000.00} balance and current, it is XX/XX/XXXX. Last report by my credit Union was on XX/XX/XXXX  and showed a balance of {$0.00}.

2 ) I can not submit a complaint with Equifax because they refuse to update my address back to my XXXX XXXX XXXX. I have had all of my personal sensitive information sent to my XXXX XXXX   after my second identity theft incident in mid XX/XX/XXXX. Equifax continues to arbitrarily update my address based on inquires when I have expressed that the mailing address should never change to ensure I am not a victim of identity theft again or via a formal written request submitted by me.
Product: Credit reporting or other personal consumer reports

The same collection LVNV FUNDING XXXX and XXXX XXXX XXXX XXXX reporting on my credit report twice according to section 609 section 611 I have the right to dispute an accurate information on my credit report and have it removed. I believe these two entries represent the same day and should not both be listed on my credit report. I have already submitted for reinvestigation and it came back verified without Sending me the proper verification.
Product: Checking or savings account

On XX/XX/2018 I logged onto my capital one 360 money market and checking account and noticed that it said my funds were not available for me to withdraw. I called capital one this same.day and was told to submit a driver 's license photo, verify my identity through a list of questions ( which I did ) and after all that I was told that my account was being investigated because of two XXXX payments that failed to process on my account. I was told that because of this I would no longer be able to have a relationship with capital one bank, but they were still not giving me access to the over {$5700.00} I have in my money market and checking accounts. If capital one is going to close my accounts, why is there an investigation going On? It makes no sense. And then when I asked when my funds would be available for me to transfer the said they had no idea and it could take weeks sometimes months. Banks have guidelines and know exactly how long they are able to withhold money from people. They are being very shady and I need access to my money. Every time I call they give me an attitude and treat me like a an idiot. They are taking advantage of me and still have no answers for me. They put my account under investigation for an outside XXXX payment that didn't go through and are now keeping MY money from me indefinitely even though I was told my account would be closed. THIS MAKES NO SENSE